Media people have noticed that the Measures require insurance sales employees and other employees of companies that disclose or resell customer information to terminate their labor contracts or agency contracts, while other life insurance companies, insurance professional intermediaries, bank postal services and other insurance agencies are generally not allowed to hire or entrust the above-mentioned employees to engage in insurance business activities such as insurance sales; Suspected of constituting a crime, it shall be transferred to judicial organs according to law, and the responsibility of relevant management personnel shall be investigated.
Policy information is not secure.
Talking about the security of personal policy information, Jinan citizen Zhu Nannan complained. ? On the third day of insurance, a liar called, and he had a clear grasp of personal information. This must be leaked by the insurance company, and the insurance company should be responsible for it. ?
Zhu Nannan's complaint is not a case. In fact, in recent years, the problem of personal information disclosure of insurance customers has intensified.
2012165438+125 October, Mo Xiaoyu, an online writer certified by Sina, angrily asked Taikang Life Insurance how to ensure customer privacy through Weibo. Mo Xiaoyu said that she received a phone call that day, and the other party said that she was informed to receive the policy dividend. After seeing through the scam, she hung up the phone directly. ? The swindler clearly explained the information, name and telephone number of the husband's insurance purchase, but the husband and wife only knew about the insurance purchase, and did not tell the children and parents. The contact number left by the insurance purchase was not the telephone number of the insured. It is impossible for a liar to rely on telephone information. ?
At the beginning of this year, Beijing police reported that two organized criminal gangs that violated citizens' personal information had been uncovered recently, and 92 suspects had been arrested. In one case, staff of several insurance companies were suspected of selling more than 200,000 pieces of customer information, and fraud gangs used customer information to defraud more than 3 million yuan.
Zhang Ping, manager of a branch of an insurance company, said in an interview with the media that in recent years, due to the lack of clear restraint and punishment mechanism, the problem of information disclosure of insurance customers is rampant. She told the media that a few years ago, she saw a database file on her subordinate's computer, which contained detailed information of more than 20,000 policyholders of other insurance companies. ? Including the name, gender, certificate number, certificate type, date of birth and mobile phone number of the applicant and the insured. There are also detailed information such as insurance name and insurance application number. This is almost detailed. ?
In February this year, a large domestic life insurance company leaked nearly 800,000 policy information due to the network system problems of its partners. Although on the surface, it only leaked the policy information of a life insurance company, in fact, the partner of this life insurance company, as a completely independent third-party management service platform, has business dealings with many insurance companies. So the customer information of other insurance companies may also be leaked.
According to media reports, some insiders of insurance companies use their positions to sell a large amount of personal information of insurance policies to competitors in the same industry or other sales companies. Apart from blatant insurance? A mole? Personal policy information may also be leaked through various channels. For example, when an insurance company cooperates with a third party, such as a 4S shop, an auto repair shop, an insurance intermediary, etc., personal policy information may also be leaked due to technical and management reasons.
Selling information or forbidden for life.
The CIRC stipulates that all life insurance companies should formally send letters to insurance professional intermediaries, bank post and other insurance concurrent agencies, asking them to cooperate with life insurance companies to check the customer information of historical policies they sell, and make supplementary corrections to the customer information with omissions or false problems within a time limit; Clearly inform insurance professional intermediaries, bank postal services and other insurance concurrent agencies that do not cooperate with customer information inventory and supplementary correction, and shall bear corresponding legal responsibilities for the resulting violations of laws and regulations and violations of the legitimate rights and interests of insurance consumers.
At the same time, local insurance regulatory bureaus are required to strictly supervise according to the local market conditions, and life insurance companies, insurance professional intermediaries, bank postal services and other insurance concurrent agencies that violate laws and regulations in the management of customer information authenticity should be severely dealt with according to law, and relevant personnel should be investigated for responsibility according to law.
The Measures stipulate that life insurance companies, insurance professional intermediaries, bank postal services and other insurance concurrent agencies should strengthen the management of employees, especially insurance sales employees, and clarify the obligations and responsibilities that employees should perform in the collection, recording, management and use of customer information in labor contracts and agency contracts; Clear management requirements should be put forward for employees. It is forbidden to induce customers to provide untrue customer information, to forge or tamper with customer information, to touch or use customer information in violation of limited scope, and to disclose or resell customer information.
For insurance sales employees and other employees of the company who violate the above provisions, the labor contract or agency contract shall be terminated. At the same time, other life insurance companies, insurance professional intermediaries, bank post and other insurance concurrent agencies are generally not allowed to hire or entrust the above-mentioned employees to engage in insurance business activities such as insurance sales; Suspected of constituting a crime, it shall be transferred to judicial organs according to law, and the responsibility of relevant management personnel shall be investigated.
An executive of a branch of a large insurance company said that from the perspective of the internal control mechanism of insurance companies, the confidentiality mechanism of insurance companies for customer information is relatively strict. First of all, insurance companies have set strict authority and scope for employees to access customer information, so employees can't access all customer information at once. Secondly, the insurance company's internal system will record the time of each customer information inquiry, the operator's employee number and other information, and it is not allowed to copy, so it is basically impossible for employees to copy customer information in a short time. So as long as there is evidence that the customer information leakage is caused by the insurance company, the insurance company is fully capable of locking and finding out? The culprit? .
Tips: reselling customer information by insiders of insurance companies will not only harm the interests of customers, but also hinder the development of the insurance industry. The CIRC issued regulations prohibiting reselling customer information, and those who resell customer information will be banned for life.