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In order to safeguard the legitimate rights and interests of Internet insurance consumers and protect consumers' right to know and to choose independently, according to the regulatory requirements of Article 23 of the Interim Measures for the Supervision of Internet Insurance Business of China Insurance Regulatory Commission, insurance association of china (hereinafter referred to as China Insurance Association) has formulated these Detailed Rules.
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The Internet insurance information disclosure mentioned in these Rules means that under the guidance of the China Insurance Regulatory Commission, the China Insurance Association establishes an Internet insurance information disclosure column on the official website to disclose information such as insurance institutions engaged in Internet insurance business and their cooperative third-party network platforms for public inquiry and supervision.
Article 3 The insurance institutions mentioned in these Detailed Rules refer to insurance companies and insurance professional intermediaries established with the approval of insurance supervision and administration institutions and registered according to law.
Article 4 Internet insurance information disclosure shall adhere to the principles of truthfulness, accuracy, completeness, timeliness and risk disclosure.
Chapter II Disclosure Subject
Article 5 Insurance institutions engaged in Internet insurance business are the main bodies of Internet insurance information disclosure, and specifically fulfill the obligations of Internet insurance information disclosure:
(1) Promoting information disclosure according to the unified deployment and pace of the industry;
(2) timely disclosure of information;
(three) to ensure that the contents disclosed are true, accurate and complete, and there are no false records, misleading statements or major omissions;
(4) Other requirements.
Article 6
All insurance companies engaged in Internet insurance business shall disclose information such as professional intermediaries and third-party network platforms that they cooperate with, and all insurance professional intermediaries engaged in Internet insurance business shall disclose information such as third-party network platforms that they cooperate with.
Chapter III Disclosure Contents
Article 7 An insurance company engaged in Internet insurance business shall disclose the relevant information of the institution in the disclosure column of China Insurance Association, which mainly includes the following contents:
(1) The full name and abbreviation of the company;
(2) The name and website address of the website engaged in Internet insurance business, including the name of APP and the official account name of WeChat;
(3) The name, office address and telephone number of the established secondary branch;
(four) customer service and consumer complaints telephone;
(5) The company's information disclosure website;
(6) Other contents as prescribed by the China Insurance Regulatory Commission.
Article 8 An insurance professional intermediary institution engaged in Internet insurance business shall disclose the relevant information of the institution in the column of China Insurance Association, mainly including the following contents:
(1) Name, registered capital, place of registration, time of establishment, address and telephone number of the institution;
(2) Website name, website address, business license number or filing number of self-operated and third-party network platforms, filing time in China CIRC, product sales name, product name registered or filed in China CIRC, and the address of promoters.
Article 9 An insurance company engaged in Internet insurance business shall disclose the website information of cooperative insurance professional intermediaries in the disclosure column of China Insurance Association, including:
(a) The full name, abbreviation and address of the website;
(2) Website filing information;
(3) Scope of business cooperation;
(4) Cooperative insurance product information: the actual sales name and the record name of the CIRC.
Article 10 An insurance institution engaged in Internet insurance business shall disclose the information of cooperative third-party network platforms in the disclosure column of China Insurance Association, including:
(1) The full name, abbreviation and website address of the third-party network platform;
(2) Filing information of third-party network platforms;
(3) Scope of business cooperation;
(4) Cooperative insurance product information: actual sales name and registered or filed name of China Insurance Regulatory Commission.
Article 11 The disclosure items can be dynamically adjusted according to market conditions to protect the legitimate rights and interests of Internet insurance consumers.
Chapter IV Publicity of Work Flow
Article 12 All insurance institutions engaged in Internet insurance business shall make disclosure in accordance with the unified arrangements and requirements of China Insurance Association.
Thirteenth insurance institutions engaged in Internet insurance business, should fill in the relevant disclosure information of the Internet information disclosure system on the official website of insurance association of china in time as required, and carry out daily maintenance of the disclosure information.
Article 14 Insurance institutions engaged in Internet insurance business shall not delete historical disclosure information, including cooperative institutions and insurance products, so as to facilitate the historical inquiry of insurance consumers.
Article 15 In principle, all insurance institutions engaged in Internet insurance business shall disclose information in advance. For cooperation period or sales period 10
Cooperative institutions or insurance products within working days are allowed to disclose information afterwards, but it shall not exceed 10 working days.
Article 16 An insurance institution that conducts Internet insurance business after the implementation of these Detailed Rules shall apply to the China Insurance Association for information disclosure within 10 working days.
Chapter V Management and Disclosure Responsibilities
Article 17 The leaders of insurance institutions in charge of Internet insurance business are the persons directly responsible for information disclosure.
Article 18 All insurance institutions engaged in Internet insurance business shall designate special departments and personnel to be responsible for organizing and coordinating the information disclosure of insurance institutions, and for docking with the work of China Insurance Association.
Nineteenth information disclosure follows the principle of "who is open, who is responsible". Insurance companies are fully responsible for the authenticity, accuracy, completeness and timeliness of information disclosed by insurance products.
Article 20
Insurance institutions engaged in Internet insurance business fail to disclose information truthfully, accurately and completely, or fail to disclose information in time, which leads to the infringement of the interests of insurance consumers, and shall be handled in accordance with the relevant regulations of insurance association of china on industry self-discipline. Causing serious consequences, will report to the China Insurance Regulatory Commission.
Article 21 In the column of information disclosure, China Insurance Association can reveal risks, protect the legitimate rights and interests of insurance consumers and safeguard the long-term healthy development of the insurance industry.
Chapter VI Supplementary Provisions
Article 22 These Detailed Rules shall come into force as of 20 15, 10 and 1.
Article 23 insurance association of china shall be responsible for the interpretation of these Rules.
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.