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保监会拟出新规禁止保险公司赠送财产保险

来源: 南方日报网络版     时间: 2019年07月24日 09:09:12
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(  中)(新)(网)(11月)(24日)(电)(据)(保)(监)(会)(网)(站)(消)(息)(称)(,为)(规)(范)(人)(身)(保)(险)(公)(司)(赠)(送)(保)(险)(的)(行)(为)(,保)(监)(会)(起)(草)(了)(《关)(于)(规)(范)(人)(身)(保)(险)(公)(司)(赠)(送)(保)(险)(有)(关)(行)(为)(的)(通)(知)((征)(求)(意)(见)(稿)()》,现)(向)(社)(会)(公)(开)(征)(求)(意)(见)(。  征)(求)(意)(见)(稿)(规)(定)(,人)(身)(保)(险)(公)(司)(可)(以)(以)(促)(销)(或)(者)(公)(益)(事)(业)(为)(目)(的)(赠)(送)(人)(身)(保)(险)(,但)(不)(能)(赠)(送)(财)(产)(保)(险)(。所)(赠)(送)(的)(人)(身)(保)(险)(产)(品)(只)(能)(是)(意)(外)(伤)(害)(保)(险)(和)(健)(康)(保)(险)(,且)(保)(险)(期)(间)(不)(能)(超)(过)(1年)(。对)(每)(人)(每)(次)(所)(赠)(送)(保)(险)(的)(纯)(风)(险)(保)(费)(不)(能)(超)(过)(100元)(,以)(公)(益)(事)(业)(为)(目)(的)(的)(赠)(送)(保)(险)(不)(受)(此)(金)(额)(限)(制)(。  以)(下)(为)(《关)(于)(规)(范)(人)(身)(保)(险)(公)(司)(赠)(送)(保)(险)(有)(关)(行)(为)(的)(通)(知)((征)(求)(意)(见)(稿)()》全)(文)(  各)(人)(身)(保)(险)(公)(司)(:  为)(规)(范)(人)(身)(保)(险)(公)(司)(赠)(送)(保)(险)(的)(行)(为)(,维)(护)(人)(身)(保)(险)(市)(场)(的)(正)(常)(秩)(序)(,保)(护)(保)(险)(消)(费)(者)(的)(合)(法)(权)(益)(,现)(就)(人)(身)(保)(险)(公)(司)(赠)(送)(保)(险)(的)(有)(关)(问)(题)(通)(知)(如)(下)(:  一)(、赠)(送)(保)(险)(是)(指)(保)(险)(人)(在)(订)(立)(保)(险)(合)(同)(时)(,免)(除)(投)(保)(人)(支)(付)(保)(险)(费)(的)(义)(务)(,或)(者)(代)(替)(投)(保)(人)(履)(行)(支)(付)(保)(险)(费)(的)(义)(务)(。人)(身)(保)(险)(公)(司)(可)(以)(以)(促)(销)(或)(者)(公)(益)(事)(业)(为)(目)(的)(赠)(送)(人)(身)(保)(险)(,但)(不)(能)(赠)(送)(财)(产)(保)(险)(。所)(赠)(送)(的)(人)(身)(保)(险)(产)(品)(只)(能)(是)(意)(外)(伤)(害)(保)(险)(和)(健)(康)(保)(险)(,且)(保)(险)(期)(间)(不)(能)(超)(过)(1年)(。对)(每)(人)(每)(次)(所)(赠)(送)(保)(险)(的)(纯)(风)(险)(保)(费)(不)(能)(超)(过)(100元)(,以)(公)(益)(事)(业)(为)(目)(的)(的)(赠)(送)(保)(险)(不)(受)(此)(金)(额)(限)(制)(。  二)(、人)(身)(保)(险)(公)(司)(赠)(送)(的)(人)(身)(保)(险)(产)(品)(应)(当)(符)(合)(《人)(身)(保)(险)(公)(司)(保)(险)(条)(款)(和)(保)(险)(费)(率)(管)(理)(办)(法)(》的)(有)(关)(规)(定)(。  三)(、人)(身)(保)(险)(公)(司)(赠)(送)(人)(身)(保)(险)(时)(,投)(保)(人)(对)(被)(保)(险)(人)(应)(当)(具)(有)(保)(险)(利)(益)(,所)(赠)(送)(的)(人)(身)(保)(险)(是)(以)(死)(亡)(为)(给)(付)(保)(险)(金)(条)(件)(的)(,应)(经)(被)(保)(险)(人)(同)(意)(并)(认)(可)(保)(险)(金)(额)(;人)(身)(保)(险)(公)(司)(应)(向)(投)(保)(人)(出)(具)(纸)(质)(或)(电)(子)(保)(险)(单)(,赠)(送)(团)(体)(人)(身)(保)(险)(产)(品)(的)(,应)(向)(被)(保)(险)(人)(出)(具)(纸)(质)(或)(电)(子)(保)(险)(凭)(证)(。  四)(、人)(身)(保)(险)(公)(司)(对)(于)(所)(赠)(送)(人)(身)(保)(险)(对)(应)(的)(保)(费)(,根)(据)(会)(计)(准)(则)(不)(应)(确)(认)(为)(保)(费)(收)(入)(,但)(是)(要)(根)(据)(监)(管)(规)(定)(计)(提)(准)(备)(金)(,同)(时)(将)(赔)(款)(计)(入)(赔)(付)(成)(本)(。  五)(、人)(身)(保)(险)(公)(司)(应)(当)(将)(赠)(送)(的)(人)(身)(保)(险)(视)(同)(正)(常)(销)(售)(的)(保)(险)(产)(品)(进)(行)(管)(理)(,认)(真)(做)(好)(客)(户)(服)(务)(、保)(全)(和)(理)(赔)(工)(作)(;其)(中)(赠)(送)(的)(意)(外)(伤)(害)(保)(险)(要)(符)(合)(《人)(身)(意)(外)(伤)(害)(保)(险)(业)(务)(经)(营)(标)(准)(》的)(有)(关)(要)(求)(。  六)(、人)(身)(保)(险)(公)(司)(总)(公)(司)(应)(加)(强)(对)(赠)(送)(保)(险)(行)(为)(的)(管)(控)(,赠)(送)(保)(险)(行)(为)(要)(经)(过)(总)(公)(司)(的)(批)(准)(。严)(禁)(以)(赠)(送)(保)(险)(为)(由)(,变)(相)(开)(展)(违)(法)(违)(规)(业)(务)(或)(进)(行)(不)(正)(当)(竞)(争)(。  本)(通)(知)(自)(下)(发)(之)(日)(起)(施)(行)(,《关)(于)(规)(范)(寿)(险)(公)(司)(赠)(送)(保)(险)(有)(关)(行)(为)(的)(通)(知)(》(保)(监)(发)(〔2005〕98号)()同)(时)(废)(止)(。
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