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Data:2009-12-12 2:34
In November 2003, Zhoucun District, Ms Cheung at a friend's recommendation, from the China Pacific Life Insurance Co., Ltd. Zibo center branch handled a foolproof system for life insurance major diseases. The very fact that selected the 5-year paid the way in November 2003 two handled the insurance money paid 4320 yuan.
Apply for insurance, Ms. Zhang and relatives that he wanted surrender of such insurance is not affordable. In November 2004, she came to surrender insurance companies, the staff told her to charge 100% of the fee. The very fact that the insurance companies charge a handling fee is too high.
Reporter dialed China Pacific Life Insurance Co., Ltd. Zibo center branch of the service hotline after that, Ms. Zhang policy signed by-laws provides that: if the first three years of surrender, then the insurance cash value is 0. How to calculate the cash value? Service Hotline staff said remaining after deducting fees is the cash value, and the company provides foolproof lifetime risk of major diseases of the fee to 100%.
Counsel Comments:
Shandong Chia Tai sincere Law Firm lawyer Zhang told reporters, according to "Insurance Law" stipulates that the insured surrender less than two years, insurers should be refunded after deduction of fees, insurance, but insurance companies will be set at 100% of fee unfair; Shandong earth person law firm Wang Fan Xiao Counsel argues that the policy is that the two sides signed a contract, if the very fact that surrender part of breach of contract, breach of contract should bear the responsibility. Insurance companies charge fees equivalent to liquidated damages, and liquidated damages will be set at 100% is unreasonable.
Consumer Association to remind:
At present, the Consumer Association of Zibo City staff are investigating and coordinating the matter. Consumer Association reminds consumers to: in buying insurance, must carefully consider their own needs are not covered by insurance, can not be blindly believed him and recommended purchase; the signing of the policy when you have to open their eyes wide, carefully review the terms of the policy to see if there are negative aspects of their own , if found unreasonable terms and to consult professionals or to apply for identification of industrial and commercial administrative organs.
