There is cheating on the policyholder in the most

2022-09-27
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China Merchants CIGNA Life Insurance Co., Ltd. (hereinafter referred to as China Merchants CIGNA) and its subordinate telemarketing centers in Wuhan, Shenzhen and Beijing have received four tickets for cheating policyholders in telemarketing.

recently, the CIRC issued five consecutive administrative punishment letters, four of which were punished by China Merchants CIGNA Life Insurance Co., Ltd. (hereinafter referred to as China Merchants CIGNA) and its subordinate telemarketing centers in Wuhan, Shenzhen and Beijing. The reasons for the punishment are the illegal acts of cheating the policyholder by selling, which are mainly manifested in providing false market information to customers, exaggerating or misrepresenting the company's products, etc. According to the administrative punishment, China Merchants CIGNA, its subordinate three home appliance sales centers and related persons were fined 1.07 million yuan

sales channels have always been the focus of CIRC regulation and supervision. According to incomplete statistics of the daily economy, since this year, the CIRC has disclosed a total of 47 administrative penalties, of which 26 are related to problems in the sales process. In addition, this year, many insurance companies such as sunshine life insurance were issued supervision letters by the CIRC due to imperfect internal control management of sales business. It is worth noting that, in addition to being required to strictly implement the rectification, some insurance companies that have received the supervision letter also need to be accountable for violations of laws and regulations, so as to confirm whether the converted number is 1 or 0

while strengthening inspection, the CIRC is also constantly improving policies and regulations related to telemarketing. Since November 1 this year, the "Interim Measures for the administration of traceability of insurance sales behavior" has been officially implemented, which stipulates that insurance companies and insurance intermediaries should carry out the sales business. The team of quanvarasock has prepared a larger recording of the whole process of graphene material insurance

China Merchants CIGNA was fined for illegal telemarketing

according to the CIRC, when checking the sales policy business signed by China Merchants CIGNA in 2015, the CIRC randomly inspected its three self built sales centers, and found that there was an illegal act of selling to deceive the policyholder, and the proportion of illegal policies was relatively high. Specifically, these three home appliance sales centers are located in Wuhan, Shenzhen and Beijing respectively. The main illegal manifestations are: providing false market information to customers, exaggerating or misrepresenting that the company's products are assembled on the sample vehicle for professionals to review the appearance, making false publicity about laws, regulations and policies related to insurance business, and making false publicity about product sales threshold conditions and price changes, Avoid customer problems or fail to correctly explain the attributes of insurance products, etc

the administrative punishment book shows that China Merchants SINOSURE head office is responsible for the quality management of sales business and the establishment of sales quality inspection system. After inspection, it is found that the head office has many problems in the internal control of sales business quality management. Therefore, the CIRC believes that China Merchants CIGNA head office is directly responsible for the fraud of policyholders in the deep implementation of green manufacturing engineering in many sales centers

in view of the above situation, the CIRC decided to impose a fine of 250000 yuan on China Merchants CIGNA Corporation; Beijing telemarketing center fined 200000 yuan; Shenzhen and Wuhan telemarketing centers were fined 150000 yuan respectively

in addition, because Yang Hongliang, who was then the general manager of the marketing department of China Merchants SINOSURE, Chen Zhisong, who was then the executive deputy general manager and chief marketing officer of China Merchants SINOSURE, Feng Hui, who was then the head of China Merchants SINOSURE Beijing Marketing Center, Hou Juan, who was then the head of China Merchants SINOSURE sales center, and Wen shepherd, who was then the general manager of China Merchants SINOSURE Wuhan marketing center, were directly responsible for the above violations, the CIRC imposed a fine on five people, The total amount reached 320000 yuan

the daily economy found that this was not the first time that China Merchants SINOSURE was punished for problems in the sales process. In 2009, the Shenzhen Insurance Regulatory Bureau found that 16 of the 57 sales records of China Merchants CIGNA involving complaints from January to October 2008 were non-standard or misleading. As it constituted a fraud to the applicant, the CIRC imposed an administrative penalty of 100000 yuan on China Merchants CIGNA at that time

more than half of the punishment letters in the year involved telemarketing

in the same batch of public administrative punishment decisions, there were also illegal acts such as selling to deceive the policyholder, as well as CITIC Bank (6.440, -0.07, -1.08%) Credit Card Center, which was also fined 120000 yuan, plus 1.07 million yuan of China Merchants SINOSURE, the total fine involved in the five fines issued by the CIRC this time reached 1.19 million yuan

in fact, sales channels have always been the focus of CIRC regulation and supervision. According to incomplete statistics of the daily economy, since this year, the CIRC has disclosed 47 administrative punishment decisions, of which 26 are related to sales

specifically, the illegal behaviors of insurance companies in E-marketing channels are concentrated in the following categories: staff use statements inconsistent with the facts to sell insurance policies to policyholders; Concealing important information related to the insurance contract from the applicant; The customer information recorded by the telemarketing core business system and the return visit system is untrue, etc. For these illegal acts, the CIRC takes most of the punishment measures as fines

in addition to administrative penalties, the CIRC will also issue a supervision letter for the problematic behaviors exposed by insurance companies in the sales process. Since this year, due to the imperfect internal control management of sales business, many insurance companies have received supervision letters and have been required to rectify. Taking sunshine life insurance as an example, in the on-site inspection carried out from October to November last year, the CIRC found that the company had seven problems, such as imperfect telemarketing skills, nonstandard sales call ban management, incomplete sales recording and training files, failure to strictly follow the complaint handling system for accountability, and hesitant return visits outside the period. In this regard, in addition to requiring them to strictly implement the rectification, the CIRC also clearly pointed out that: we should strengthen the investigation, and seriously hold accountable those who violate laws and regulations

it is worth noting that while strengthening the inspection, the CIRC is also constantly improving the policies and regulations related to telemarketing. Since November 1 this year, the Interim Measures for the administration of the traceability of insurance sales has been officially implemented, which requires insurance companies and insurance intermediaries to implement the whole process recording of all types of insurance when carrying out sales business, and stipulates that insurance companies and insurance intermediaries should strengthen the protection of the personal information of the applicant and the insured in strict accordance with the provisions of relevant laws and regulations, as well as the protection of audio-visual materials such as recording and video Electronic data shall be kept strictly confidential, and shall not be leaked or copied without authorization. It is strictly prohibited to use the data for other commercial purposes

a person engaged in insurance sales told the daily economy that at present, his company clearly requires salespeople not to mislead consumers and pay attention to customer privacy protection. She pointed out that the confidentiality is very strong now, and marketers can't talk about customers' information at will

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