Consumers who want to safeguard their legitimate rights and interests can complain to the insurance company through the following channels:
1. Complain to the superior management organization of the insurance company, such as the relevant department of the headquarters of the insurance company;
2. Complaining to consumer trade associations is a relatively broad way of complaining in the economic market;
3. Putting pressure on insurance companies through media publicity and complaints is a way to complain through public opinion pressure;
4. Contact the official complaint hotline of CBRC 12378 to make a complaint;
5, through the people's court proceedings, on the one hand, you need to bear the litigation costs, and secondly, you need to master the relevant evidence yourself, otherwise you will not be able to defend your rights at the time of acceptance, or the litigation costs will be lost.
2. Is there a better phone than 12378?
Judging from the supervision of the insurance market, the most powerful way to complain is through the CBRC, that is, calling the customer service complaint hotline 12378. Therefore, Bian Xiao thinks that there is no more powerful mobile phone than 12378.
Because the CBRC is the highest regulatory body in the insurance industry, it has decisive leadership and management authority over the management control, company access, market operation and business rules of insurance companies, which directly determines whether insurance companies can continue to operate normally. Due to the pressure of China Banking and Insurance Regulatory Commission, insurance companies must deal with this issue in a timely and fair manner.
3. What's the complaint process through 12378?
1. Consumer telephone complaint hotline 12378, explaining the specific complaints, facts and providing relevant evidence;
2. The customer service specialist records the complaint cases and submits them to the specialist for fact screening, and at the same time contacts the complained insurance company for verification;
3. If the handling opinions are issued to communicate with consumers, which is generally the responsibility of the insurance company, it will be ordered to rectify and give consumers relevant economic compensation:
(1) If the liability is light, the insurance company shall be required to make timely rectification and file a case; If the complaint rate is high, it will affect the operating indicators of insurance companies;
(2) For those with serious responsibilities, there are market fines and established penalties.
The above is the sharing of the full-text related content of the mobile phone that is more powerful than 12378. Based on the insurance market, contacting 12378 to make a complaint is the most official and authoritative, and the handling efficiency is very efficient. Therefore, if you need to protect the insurance consumer rights, you must remember the hotline 12378!
Under what circumstances can I fully surrender my insurance? Surrender consultant WeChat: 1662 1388873 (formal lawyer guiding surrender)
If you have passed the hesitation period, can you still surrender in full if you want to surrender? In fact, if the agent violates the rules in the sales process, there is still a chance to completely surrender. So what are the specific situations?
The agent has the act of signing on behalf of others.
There are refunds or gifts during the sales process.
Exaggerate product income and claims in the sales process.
Agents have induced or misled sales and other behaviors.
Of course, complete surrender still requires some skill.