2011August16 August 0 1:49 National Business Daily [Weibo] I want to comment (532).
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Recently, seven local insurance regulatory bureaus, including Beijing, Tianjin, Qingdao, Henan, Shaanxi, Guangxi and Liaoning, announced the complaints of insurance institutions in the first half of this year. According to statistics, the National Business Daily (Weibo) reporter found that PICC P&C ranked first in the complaint list of property insurance companies; China Life ranked first in the complaint list of life insurance companies.
Qingdao and Shaanxi Insurance Regulatory Bureau said that violations of laws and regulations accounted for more than half of the complaints, and insurance contract disputes were also the focus of complaints. It is understood that in the first half of this year, Qingdao Insurance Regulatory Bureau imposed administrative penalties on 1 insurance institutions and 1 individuals according to the clues provided by letters and visits, issued supervision letters to three insurance institutions, and held supervision talks with 1 insurance institutions.
Property insurance company: PICC has the most complaints about property insurance.
Judging from the complaints in the first half of 20 1 1 published by seven insurance regulatory bureaus, such as Beijing, PICC P&C received 220 complaints, which was the most complained property insurance company. Then Anbang Property Insurance11piece, Ping An Property Insurance 108 piece.
Judging from the complaints, the complaint rate of property insurance companies is basically proportional to the scale of premiums. However, there are many alternatives, such as Anbang Property Insurance, and the number of complaints ranks second. There are 93 complaints in Tianjin alone, which seriously deviates from its premium income. According to the data released by Tianjin Insurance Regulatory Bureau, the average situation of the "complaint rate of 100 million yuan premium" index of local property insurance companies is 10.23, which means that for every 1 100 million yuan premium, there will be about 10 complaints, but the premium of Anbang Property Insurance before1June is100.
In addition, in the face of complaints from insurance institutions in the first half of this year, Qingdao Insurance Regulatory Bureau said that in the first half of 20 1 1, Qingdao Insurance Regulatory Bureau * * * accepted 20 complaints about letters and visits, including 8 complaints about insurance companies, including 6 complaints about property insurance companies. The Insurance Regulatory Bureau believes that the violations of laws and regulations of property insurance companies are concentrated in two aspects: financial expenses violations and administrative licensing violations, which are mainly manifested in the issuance of yin and yang tickets and the exhibition industry of private institutions.
Qingdao Insurance Regulatory Bureau said that claims disputes are still a hot issue reflected by complainants. Property insurance mainly involves some problems in motor vehicle insurance, such as the insurance company's untimely survey and loss determination, the claim adjuster's commitment is inconsistent with the company's final payment, and the company's loss determination price is quite different from the market price.
Life insurance companies: China ranked first in terms of complaints.
Judging from the total number of complaints from life insurance companies published by the Insurance Regulatory Bureau in seven places, China Life ranked first among life insurance companies with 227 cases. Followed by 129 from China Ping An Life Insurance Company of China Insurance Company and 105 from Xinhua Life Insurance Company.
According to the statistics of National Business Daily, China Life has the largest business volume and the most reasonable complaints, while Taiping Life ranks fourth in the complaint list. There are as many as 57 complaints from Tianjin Taiping Life Insurance alone. According to the premium income announced by Tianjin Insurance Regulatory Bureau in the first half of the year, the premium income of Taiping Life Insurance is only 230 million, but its "complaint rate of 100 million yuan premium" index is as high as 24.63.
Qingdao Insurance Regulatory Bureau said that in the first half of this year, 12 cases involved personal insurance companies. The illegal activities of life insurance companies focus on sales violations, which are mainly manifested in misleading sales. In addition to the misleading sales problems in the traditional personal agency and bank mail agency channels, with the expansion of new sales channels such as telephone and Internet, misleading sales have also seriously violated the legitimate rights and interests of insurance consumers. The Insurance Regulatory Bureau believes that personal insurance contract disputes are mainly disputes between the insurers of accident insurance and health insurance on whether the insured belongs to the insurance liability agreed in the contract after the accident.
Insurance companies need to pay attention to sustainable development.
Mr. Yang of an insurance company said in an exchange with the reporter of the National Business Daily that the reasons for many complaints from insurance companies can be divided into two levels. First, the reasons for the branches of insurance companies are mainly misleading sales, unreasonable claims and inadequate customer service; Second, the main reason for the headquarters and senior management of insurance companies is that shareholders pursue profits, which leads insurance companies to unilaterally pursue profits and premium scale, and profits come from investment income and underwriting profits. Individual insurance companies control payout ratio in order to make profits, which leads to some unreasonable operations of management in claims settlement, which is easy to cause complaints; In addition, the frequent personnel changes of insurance company executives lead to frequent changes in the business philosophy of insurance companies, which will lead to many problems. He believes that in order to reduce complaints, insurance companies should not only strengthen sales, claims and customer service, but also pay attention to the sustainable development of insurance companies.
A person from Tianjin Insurance Regulatory Bureau, who did not want to be named, said that Tianjin Insurance Regulatory Bureau will publish the complaints of insurance companies every quarter, mainly to urge insurance companies to provide good services and properly handle consumer complaints. At the same time, for insurance companies with intensive complaints, the Insurance Regulatory Bureau may take some measures, such as on-site inspection.
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.