来源: 金融时报 | 2021-01-12 11:14:40 |
近年来,保险行业短期健康保险业务发展较快,但也存在较多突出问题,特别是部分公司无序竞争,不利于全社会形成正确的健康保险消费观念。为贯彻落实国务院常务会议精神,防范金融风险,推动人身保险高质量发展,规范各保险公司短期健康保险业务经营管理行为,切实保护保险消费者的合法权益,中国银保监会近日发布《关于规范短期健康保险业务有关问题的通知》(以下简称《通知》)。
《通知》以问题为导向,通过明确监管要求,补齐监管制度短板,向行业明确传达了短期健康保险业务规范经营的信号。一是规范产品续保。明确短期健康险不得保证续保,严禁把短期健康险当做长期健康险进行销售。二是加大信息披露力度。要求保险公司每半年披露短期健康保险业务整体赔付率,接受社会监督。三是规范销售行为。严禁捆绑强制搭售,限制消费者购买产品和服务的权利。严禁随意停售,保险公司停售短期健康保险产品,应当披露具体停售原因、停售时间以及后续服务措施等信息。四是规范核保理赔。要求保险公司规范设定健康告知信息,不得无理拒赔。
银保监会表示,下一步将不断完善监管规则体系,压实保险公司经营管理主体责任,督促保险机构规范业务经营行为,提升经营管理水平,切实保护保险消费者的合法权益,更好满足人民群众健康保障需求。(作者:钱林浩)
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