保险营销员管理规定

发布日期: 2008-09-17


第三十一条 保险营销员应当客观、全面、准确地向客户披露有关保险产品与服务的信息,应当向客户明确说明保险合同中责任免除、犹豫期、健康保险产品等待期、退保等重要信息。

 

Article 31 An insurance salesman shall objectively, fully and exactly disclose the information relevant to the relevant insurance products and services and shall expressly inform the clients of the important information about the liability exemption, hesitation period, waiting period of health insurance products, insurance refund, etc.

 

第三十二条 保险营销员销售分红保险、投资连结保险、万能保险等保险新型产品的,应当明确告知客户此类产品的费用扣除情况,并提示购买此类产品的投资风险。

 

Article 32 When an insurance salesman sells such new insurance products as bonus-sharing insurance, investment interlink insurance and all-purpose insurance, he shall expressly inform the clients of the deduction of the expenses of such products and make them aware of the investment risks.

 

第三十三条 保险营销员应当将保险单据等重要文件交由投保人或者被保险人本人签名确认。

 

Article 33 An insurance salesman shall hand the insurance policies and other important documents to the applicant or the insurant himself (herself) for signature and confirmation.

 

第三十六条 保险营销员从事保险营销活动,不得有下列行为:
  (一)做虚假或者误导性说明、宣传;
  (二)擅自印制、发放、传播保险产品宣传材料;
  (三)对不同保险产品内容做不公平或者不完全比较;
  (四)隐瞒与保险合同有关的重要情况;
  (五)对保险产品的红利、盈余分配或者未来不确定收益作出超出合同保证的承诺;
  (六)对保险公司的财务状况和偿付能力作出虚假或者误导性陈述;
  (七)利用行政处罚结果或者捏造、散布虚假事实,诋毁其他保险公司、保险中介机构或者个人的信誉;
  (八)利用行政权力、行业优势地位或者职业便利以及其他不正当手段强迫、引诱或者限制投保人订立保险合同;
  (九)给予或者承诺给予投保人、被保险人或者受益人保险合同规定以外的其他利益;
  (十)向投保人、被保险人或者受益人收取保险费以外的费用;
  (十一)阻碍投保人履行如实告知义务或者诱导其不履行如实告知义务;
  (十二)未经保险公司同意或者授权擅自变更保险条款和保险费率;
  (十三)未经保险合同当事人同意或者授权擅自填写、更改保险合同及其文件内容;
  (十四)未经投保人或者被保险人同意,代替或者唆使他人代替投保人、被保险人签署保险单证及相关重要文件;
  (十五)诱导、唆使投保人终止、放弃有效的保险合同,购买新的保险产品,且损害投保人利益;
  (十六)泄露投保人、被保险人、受益人、保险公司的商业秘密或者个人隐私;
  (十七)超出《展业证》载明的业务范围、销售区域从事保险营销活动;
  (十八)挪用、截留、侵占保险费、保险赔款或者保险金;
  (十九)串通投保人、被保险人或者受益人骗取保险金或者保险赔款;
  (二十)伪造、变造、转让《资格证书》或者《展业证》;
  (二十一)私自印制、伪造、变造、倒买倒卖、隐匿、销毁保险单证;
  (二十二)中国保监会规定的其他扰乱保险市场秩序的行为。

Article 36 No insurance salesman may conduct any of the following acts when engaging in insurance sales activities:

(1)Making false or misleading explanations or publicity;

(2) Printing and producing, issuing or transmitting any publicity materials of insurance products without authorization;

(3)Making unfair or incomplete comparison between different insurance products;

(4)Concealing any important information relevant to the insurance contract;

(5)Making a commitment on any bonus, surplus distribution or future uncertain proceeds which are not covered in the insurance contract;

(6)Making a false or misleading statement on the financial status or solvency of the insurance company;

(7)Fabricating or spreading false facts to impair the business reputation of any other insurance company or insurance intermediary institution or individual by making use of the result of any administrative punishment;

(8) Forcing or inducing any applicant to conclude an insurance contract by making use of its (his) administrative power, advantageous status or position or by other improper means, or restricting him from concluding an insurance contract by those improper means;

(9) Giving or promising to give an insurance applicant, insurant or beneficiary any other interest not covered in the insurance contract;

(10)Charging any fee other than the premium from any insurance applicant, insurant or beneficiary;

(11)Obstructing an insurance applicant from performing the obligation of telling the truth or inducing him not to perform the obligation of telling the truth;

(12)Modifying any insurance term or insurance premium rate without permission or authorization of the insurance company;

(13)Filling out or modifying the contents of the insurance contract and its documents without permission of the parties of the insurance contract;

(14)Without permission of the insurance applicant or insurant, signing or instigating others to sign the insurance policies and relevant important documents for the insurance applicant or insurant;

(15)Inducing or instigating any applicant to terminate or waive a valid insurance contract and to buy a new insurance product, and damaging the interests of the applicant;

(16)Divulging any commercial secret or personal privacy of any insurance applicant, insurant, beneficiary or insurance company;

(17)Engaging in insurance sales activities beyond the business scope or sales region as specified in the Practice Certificate;

(18)Misappropriating, holding back or occupying any insurance premium, insurance claim or insurance money;

(19)Defrauding an insurance company of insurance money or insurance claim by colluding with an applicant, insurant or beneficiary;

(20) Forging, altering, renting, lending or transferring any Qualification Certificate(s) or Practice Certificate(s);

(21)Privately printing and producing, forging, altering, renting, buying or selling, concealing or destroying any insurance policies; or

(22)Other acts which disturb the insurance market order and which are specified by the CIRC.