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欺骗投保人等多项违规!众安在线被罚145万,总经理副总经理均被罚

Deceiving policyholders and other violations! Zhongan online was fined 1.45 million, and the general manager and deputy general manager were fined.

新浪財經 ·  Aug 2, 2021 10:18

According to the news on August 2, the Bancassurance Regulatory Commission today released a written decision on administrative penalties. Zhong'an online has four violations, namely, "self-management network platform publicity sales pages deceive policyholders, tripartite platform publicity sales pages deceive policyholders, failure to use approved or archived insurance clauses, insurance rates, and preparation or provision of false reports, statements, documents, and materials." the total was fined 1.45 million yuan.

At the same time, Chen Jin, Jiang Xing and Liu Haijiao were warned and fined 100000 yuan for deceiving policyholders; Liu Haijiao was warned and fined 70, 000 yuan for failing to use approved or documented insurance clauses and premium rates; Jiang Xing and Liu Haijiao were warned and fined 100000 yuan for compiling or providing false reports, statements, documents and materials.

  The following is the original text:

Original title: Bank of China Ltd. Insurance Regulatory Commission Administrative penalty decision (Banking Insurance Supervision penalty decision word (2021) No. 33) Source: consumer Insurance Bureau

  The matterPerson: Zhongan online property Insurance Co., Ltd.

  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 limitPartiesMake 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.

  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.

  Jiang Xing, Deputy General Manager of Zhongan property InsuranceAsIn charge of the Health Insurance DivisionLeaderHas direct management responsibility for the above-mentioned acts.

  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"Promote salesThe language does not tally with the facts.

  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.

  Jiang Xing, Deputy General Manager of Zhongan property InsuranceAsIn charge of the Health Insurance DivisionLeaderHas direct management responsibility for the above-mentioned acts.

  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 InsuranceThe 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 InsuranceAPP 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.

  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, documentsData

  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 insuranceExistJanuary 1, 2018Day solsticeDuring the period of October 31stPartNormal payment in the case of refusal of compensationHandling of partial payment casesThe amount of compensation for closing the case is0The problem

  Jiang Xing, Deputy General Manager of Zhongan property InsuranceAsIn charge of the Health Insurance DivisionLeaderHas direct management responsibility for the above-mentioned acts.

  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 upI 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 insuredBehavior,根According to Article 171 of the Insurance Law,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.Fine35Ten thousand yuanAccording toArticle 171 of the Insurance LawLiu Haijiao warned and fined7Ten thousand yuan.

  The aboveCompilationOrProvide false reports, statements, documentsDataAct in violation of the guaranteeArticle 86 of the Insurance LawRegulationAccording toArticle 170 of the Insurance Law shall impose a fine on Zhongan property insurance.500000 yuanAccording toArticle 171 of the Insurance Law, respectivelyJiang 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

  2021719

The translation is provided by third-party software.


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