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  • 金融知识普及月| “三不”远离销售误导

  • 2022-09-07
  • 中国银保监会消费者权益保护局今天对外发布2022年第5期风险提示,提醒消费者注意防范保险销售误导行为。

    销售误导三个套路

    保险销售误导是指保险公司、保险代理机构、保险销售人员在保险销售业务活动中,违反法律法规和有关规定,通过欺骗、隐瞒或者诱导的方式,对保险产品的情况作引人误解的宣传或者说明的行为。

    销售误导行为侵害消费者的知情权、自主选择权和公平交易权等权利。

    表现一:隐瞒、混淆产品信息误

    导消费者。

    故意隐瞒保险产品属性,将具有相近保险责任的产品进行混淆,或混淆保险产品和其他理财产品,侵害消费者的知情权。比如以银行理财产品、银行存款、证券投资基金份额等其他金融产品的名义宣传销售保险产品;或者使用保险产品的分红率、结算利率等比率性指标,与银行存款利率、国债利率等其他金融产品收益率进行简单对比,给消费者造成误导,容易引发理赔争议或退保纠纷。

    表现二:暗藏搭售误导消费者。

    在保险产品销售过程中,个别销售人员为提高销售业绩,以折扣优惠、公司规定、核保政策为由,变相误导消费者盲目投保高保额产品。也有部分网页、APP操作页面,以默认勾选、强制勾选等方式捆绑搭售,强制要求消费者购买非必要的产品或服务等,侵害了消费者自主选择权。

    表现三:夸大保险责任或承诺保

    证收益误导消费者。

    在保险产品营销过程中,个别销售人员介绍保险责任时断章取义、避重就轻,夸大保险责任范围,弱化保险责任免除等关键信息。比如向投保人口头承诺“什么都能赔”,故意曲解保障范围误导消费者,给消费者理赔埋下隐患;或在销售分红险、投资连结险、万能险等人身保险新型产品时,存在只强调“高收益”而不展示不利信息、承诺保证收益等虚假宣传行为。

    远离销售误导

    针对保险销售误导行为,中国银保监会不断完善制度、强化监管力度,联动相关单位齐抓共管,有力整治突破道德底线、漠视群众利益的行为。同时,中国银保监会消保局提示保险消费者:在购买保险产品时,不盲目跟风、不随意委托、不轻信“代理退保”“代理维权”,谨防销售误导风险。

    一、不盲目跟风,确认保险合同内容后再投保

    保险合同是投保人与保险公司订立的约定保险权利义务关系的协议。保险产品所提供的保障范围以合同条款中的保险责任为准,建议消费者根据自身保险需求,认真了解拟购买保险产品的承保机构、保障范围、除外责任、保费、保险金赔偿或给付条件等,选择最适合自己需求、风险承受能力和经济实力的保险产品。注意防范营销过程中混淆、模糊、夸大保险责任等风险。此外,在投保时,无论是线下投保或是线上投保,缴费前一定要仔细核对投保险种,在了解合同重要条款后再投保。

    二、不随意委托,注意保护个人信息安全

    消费者在选择和购买保险产品时,不要随意委托他人办理投保,不要随意签字授权,注意保管好重要证件、账号密码、验证码、人脸识别等个人信息,线上、线下投保务必做到本人确认,谨慎对待签字、授权、付费等重要环节,确保自己了解所签署或授权的协议内容。

    三、不轻信“代理退保”“代理维权”,选择合法合理途径维权

    如您对保险产品或服务有异议,或在购买保险过程中存在纠纷等,要注意保留相应证据,及时向保险公司投诉,或向行业调解组织申请调解,必要时还可以根据合同约定,申请仲裁或向法院起诉。通过正常渠道用法律武器维护自身权益,不轻信“代理维权”“代理退保”等虚假承诺,不参与违背合同约定、提供虚假信息、编造事实的不法行为。


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