1. Taikang Life Insurance started from the customer experience, combining WeChat service with policy loans, and initiated the "Taikang Micro-loan" service in the life insurance industry. Customers can apply for loans through WeChat without going to the door or submitting a paper application. The process is simple. For customers with Taikang insurance policies, it takes only three steps to open WeChat:
(1) Pay attention to "Taikang Life Insurance" WeChat;
(2) Send a "loan" and fill in the policy number and loan amount according to the customer service staff's prompt;
(3) Take a photo with your ID card and upload it, and then you can complete the policy loan application, thus alleviating the urgent needs of customers.
2. The relevant person in charge of Taikang Life Insurance said that "Taikang Microfinance" has set up three security lines: authentication, account limit and amount limit. The loan will be transferred to the customer's original premium account. Only when the account names are consistent can it be successfully paid, so that the people can enjoy convenient services and ensure the safety of funds.
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20 1 1 On August 29th, 2008, the China Insurance Regulatory Commission issued the Notice on Strengthening the Management of Policy Business Cooperation between Insurance Companies and Commercial Banks, requiring insurance companies to cooperate in the review of matters contained in pledged policies and the transfer of rights and interests of pledged policies.
The Notice on Strengthening the Cooperative Management of Insurance Companies and Commercial Banks' Policy Business points out that some commercial banks require customers to purchase insurance first, and then pledge their policies to banks, or purchase insurance at a certain percentage of loans, and then pledge them to banks to obtain handling fees.
The CIRC clearly pointed out that this practice violates the principle of voluntary insurance in the Insurance Law, and the insurance business sold is not the real demand of customers, so it is more likely to surrender after the loan expires. Insurance companies should strictly ensure that commercial banks respect customers' willingness to buy insurance when selling insurance as agents, and stop the agent banks from forcing customers to buy insurance in time.