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Data:2009-12-12 2:34
Difficult to insure easy to surrender
Many consumers reflected in insurance easy to surrender hard. Especially for non-payment of insurance premiums the insured for two years, since without prior knowledge or attention to the standard surrender fee, to find problems when you really want to surrender.
In 2001, Chen, Beijing's policyholders in insurance companies life insurance after one year, for personal economic reasons want to surrender the insurance company to deduct the fees already paid premiums to reach 75.5%; in Shanghai in the insurance Dongmou Mother A year later the company wishes to surrender the insured, the insurance company claimed that they will deduct 50% of the premium paid by a fee, consumers asked how the fee determined by the company within the grasp of his answer; Jilin Zhao at the end of 2003 to the A life insurance, insurance companies, the latter due to serious illness of family members apply for surrender, but after insurance tips, Zhao was noted that the insurance contract, such as the first year of the surrender, the insurance company has paid premiums to be deducted 80 % as handling fee. Consumers believe that insurance companies inform consumers in advance not to surrender fee standards or tips to give a clear violation of the provisions of relevant laws, violating the consumer's right to know.
"Contract Law" 39th stipulates: "The use of standard terms for concluding a contract to provide the terms of the party should follow the format of the principle of fairness to determine the rights and obligations between the parties and take other reasonable way to draw attention to waive or limit its liability provisions, in accordance with the requirements of the other party an explanation of the provision. "" Insurance Law "under Article XVII:" enter into insurance contracts, insurance, the insured shall explain to the insurance contract are the terms ... ... "" Insurance Companies provides that "60th 4 also provides for: the insurance agency of insurance contract exclusion or exclusion of liability, surrender and other costs deducted from the cash value, such matters should be hesitant to take a clear view to the way the special tips.
Prompt attention to terms of surrender in the consumer association
China Consumer Association reporter learned that the person in charge, consumers should pay attention to the following questions in the insured to avoid damage to the interests.
First, insurance companies have the information disclosure obligations. In this regard, "Insurance Law" clearly provides that contracts for insurance, the insurer shall explain to the insured are the terms of insurance contracts, including of course the issue surrender. Although some insurance companies in the cash value in the table sets out the refund requirements and standards, but does not take appropriate reminder of the insured pay attention, resulting in the insured ignore the contents of a dilemma. Either to abandon surrender or face the risk of economic loss has been deducted to pay premiums of up to 50% or even 80% of the surrender charge. In view of this situation, "insurance companies provides that" it clear that the insurance company issuing the policy before the surrender and other costs of excluding such matters should be taken to clear the way special tips.
Second, on the surrender of the amount of problems, "Insurance Law" stipulates that an insurer may be deducted in accordance with the contract fee. But in the past the insurance company drafted the contract unilaterally, often only on the method for calculating fees and make vague explanation, that "fee is the sum of ... ...", the specific amount in the end what is not clearly defined. Moreover, the insurance company listed in the company's operating expenses, commission and undertaken by the insurance liability insurance fees and so on, due to due to insurance easily understood, are not as obvious, which gives insurance companies free to change the standards of the refund convenience.
To this end, China Insurance Regulatory Commission has formulated regulations relating to actuarial life insurance, personal insurance, actuarial requirements and new products Interim Measures, such as information disclosure, strengthening the management for the insurance companies, requiring the issuance of the policy prior to the cash value of insured table (including the policy one year before the end of the annual value) in order to clear surrender charges. In response, insurers have the duty to make clear to consumers should also be psychologically prepared for the surrender fee is too high to be careful to buy the product.
Third, at present, the insurers according to different products to determine their own premium rates (including the surrender charge). The signing of the contract, consumers should ask insurance agents to provide specific contract terms and premium rates table, and according to their own needs, carefully read and examine the differences in terms of the contract, compare the rate of insurance premiums, select the most suitable for their own products, not to blindly signed. For the do not know the contents of the insured should be required to make further explanations insurance companies, and explain the contents of the implementation of a text, as an integral part of the contract as performance of the contract, and an important basis for resolving disputes. Before signing the insurance salesman for the product is only available for instructions, not to produce insurance contracts, premium rate and other relevant information, consumers should refuse to buy. For long-term life insurance, you receive the policy, the average consumer there is a 10-day period of hesitation. Within that period, consumers should re-examine the insurance contracts and related information, identify problems promptly asked if he is dissatisfied demand surrender, most insurance companies will make full refund of insurance premiums, and some will charge a nominal fee up to 10 yuan.
