Original title: Bank of China Ltd.Insurance Regulatory Commission's decision on Administrative punishment (decision of Banking and Insurance Supervision and penalty (2021) No. 33) Source: consumer Insurance Bureau
The matterPerson: Zhongan online property Insurance Co., Ltd.
住所：Old Summer Palace Lu, Huangpu District, Shanghai CityNo. 169 Xiejin building 4-5 floors
Legal representative:Ou Yaping
The parties:Chen Jin
Job title:At that timeZhong an online property Insurance Co., Ltd.General manager
Address:Ye Lian Lu, Qingpu District, Shanghai City
The parties:Jiang Xing
Job title:At that timeZhong an online property Insurance Co., Ltd.Vice General Manager
Address:Wen San Lu, Xihu District, Hangzhou City
The parties:Liu Haijiao
Job title:At that timeZhong an online property Insurance Co., Ltd.Head of Health Insurance Division
Address:Mao Tai Lu, Changning District, Shanghai City
According to the Insurance Law of the people's Republic of China(hereinafter referred to as the Insurance Law) andAccording to the relevant provisions such as the Administrative punishment Law of the people's Republic of China, I will apply to Zhongan online property Insurance Co., Ltd.(hereinafter referred to as Zhongan property Insurance)The case of suspected violation of the law was investigated and tried, and the parties were informed of the facts, reasons, basis and rights enjoyed by the parties in accordance with the law.Within the legal time limitParties未Make a statement and pleadAnd hearing application.. The case is now closed.
After investigationZhongan property insuranceThe following violations are committed:
一、Proprietary network platformPromote salesThe page deceives the insured
Zhong an property Insurance is on the proprietary network platform.-- official website and ZhonganInsuranceAPP sells five kinds of products such as "premium e-health insurance 2017", "premium e-health flagship version" and "millions of accident insurance for women"Promote salesThe language is inconsistent with the terms or facts.
时Chen Jin, general manager of Zhongan property Insurance, is fully responsible for the day-to-day management of the company and is directly responsible for the above-mentioned actions.
时Jiang Xing, Deputy General Manager of Zhongan property InsuranceAsIn charge of the Health Insurance DivisionLeaderHas direct management responsibility for the above-mentioned acts.
时Liu Haijiao, head of Zhongan property Insurance and Health Insurance DivisionAsHealth Insurance DivisionThe person in charge who is directly responsible.，Shall be directly responsible for the above-mentioned acts.
As a matter of fact, there areInsuranceProduct terms, screenshots of publicity and sales pages, employment documents, investigation transcriptsWaiting for the evidence to prove.
二、Third-party platformPromote salesThe page deceives the insured
Zhongan property insuranceThrough a third partyNetwork platform sales"serious illness Insurance" and "6 million Medical Insurance"的Promote salesThe language does not tally with the facts.
时Chen Jin, general manager of Zhongan property Insurance, is fully responsible for the day-to-day management of the company and is directly responsible for the above-mentioned actions.
时Jiang Xing, Deputy General Manager of Zhongan property InsuranceAsIn charge of the Health Insurance DivisionLeaderHas direct management responsibility for the above-mentioned acts.
时Liu Haijiao, head of Zhongan property Insurance and Health Insurance DivisionAsHealth Insurance DivisionThe person in charge who is directly responsible.，Shall be directly responsible for the above-mentioned acts.
As a matter of fact, there arePromotional sales page screenshots, employment documents, investigation transcriptsWaiting for the evidence to prove.
三、Failure to use approved or documented insurance clauses and premium rates in accordance with the regulations
August 18, 2017Day solsticeOn October 31, 2018, Zhongan property Insurance某The driver side of APP sells the "La Huobao" car owner protection plan, which uses the major disease insurance clause (Section A), personal major disease insurance clause and personal mild disease insurance clause to break through the upper and lower limits of the corresponding insurance rate table to collect premiums.
November 9, 2018Day solsticeDecember 22, Zhongan property Insurance某APP passenger side sells serious illness protection plan, using major illness insurance clause (Section A) and personal major illness insurance clause to collect premiums through the upper and lower limits of the corresponding insurance rate table.
时Liu Haijiao, head of Zhongan property Insurance and Health Insurance DivisionAsHealth Insurance DivisionThe person in charge who is directly responsible.，Shall be directly responsible for the above-mentioned acts.
As a matter of fact, there areCompany description, employment documents, investigation transcriptsWaiting for the evidence to prove.
四、CompilationOrProvide false reports, statements, documents、Data
Zhong an property insurance was submitted to the former China Insurance Regulatory Commission.In 2017 personal medical insurance claims dataExistReplace the time of issuing the indemnity order with the closing time of the business, and deal with the cases of refusal of compensation as normal payment and agreement payment.，The amount of compensation for closing the case is0The problem。
Zhongan property insuranceExist将January 1, 2018Day solsticeDuring the period of October 31stPartNormal payment in the case of refusal of compensation或Handling of partial payment cases，The amount of compensation for closing the case is0The problem。
时Jiang Xing, Deputy General Manager of Zhongan property InsuranceAsIn charge of the Health Insurance DivisionLeaderHas direct management responsibility for the above-mentioned acts.
时Liu Haijiao, head of Zhongan property Insurance and Health Insurance DivisionAsHealth Insurance DivisionThe person in charge who is directly responsible.，Shall be directly responsible for the above-mentioned acts.
As a matter of fact, there areThe company submits data, employment documents, investigation transcriptsWaiting for the evidence to prove.
To sum up，I willDecideThe following penalties were imposed:
The above-mentioned proprietary network platform publicizes the behavior of deceiving policyholders on the sales page.Violation of Article 116 of the Insurance LawAccording toArticle 161 of the Insurance Law shall impose a fine on Zhongan property insurance.30Ten thousand yuan.
The above-mentioned third-party platform publicizes the behavior of deceiving policyholders on the sales page, in violation of the InsuranceThe provisions of Article 116 of the Insurance LawAccording toArticle 161 of the Insurance Law shall impose a fine on Zhongan property insurance.30Ten thousand yuan.
The aboveDeceive the insured的Behavior，根According to Article 171 of the Insurance Law,对Chen Jin, Jiang Xing and Liu Haijiao warned and fined100000 yuan.
The above-mentioned failure to use the approved or recorded insurance clauses and premium rates in accordance with the relevant provisionsBehaviorIn violation of Article 135 of the Insurance Law, according toArticle 170 of the Insurance Law is to ensure the peace of money to the public.险Fine35Ten thousand yuan；According toArticle 171 of the Insurance Law对Liu Haijiao warned and fined7Ten thousand yuan.
The aboveCompilationOrProvide false reports, statements, documents、Data的Act in violation of the guaranteeArticle 86 of the Insurance Law的RegulationAccording toArticle 170 of the Insurance Law shall impose a fine on Zhongan property insurance.500000 yuanAccording toArticle 171 of the Insurance Law, respectively对Jiang Xing and Liu Haijiao warned and fined100000 yuan.
The party concerned shall, within 15 days from the date of receiving this penalty decision, hold the payment code to the agent bank designated by the Ministry of Finance to make payment. Upon expiration of the time limit, an additional fine of 3% of the fine amount will be imposed each day.
If the party concerned refuses to accept this administrative penalty decision, he may, within 60 days from the date of receipt of this penalty decision,Bank of China Ltd. Insurance Regulatory CommissionIn applying for administrative reconsideration, a lawsuit may also be brought in a people's court with jurisdiction within six months from the date of receipt of this penalty decision. The implementation of this decision shall not be suspended during the period of reconsideration and litigation.
Bank of China Ltd. Insurance Regulatory Commission
2021年7月19日