20 17 savings insurance closed?
In this year, I believe that many people's circle of friends have seen the relevant information that insurance products are about to stop selling. A senior business manager of an insurance company said: "This year, the insurance market will usher in a major reform, insurance products need to be upgraded, and old insurance products need to be completely ebbed. Due to the influence of Circular 76, the rates of products such as savings health insurance will change, and consumer health insurance will become the mainstream in the future. " Which insurance company is stronger? I just sorted out the relevant content, hoping to help you: the latest list! Top Ten Insurance Companies in China
According to the analysis of insurance experts, from the perspective of product design, there are usually three main reasons for the suspension of insurance products: first, the insurance company has high odds; Second, the market sales prospects of insurance products are poor, and third, the reasons of the regulatory authorities.
This time, the CIRC will raise the minimum amount and proportion of insurance products, emphasizing the degree of protection of products, which is equivalent to a "big change in blood" of insurance products in the insurance market, indirectly requiring insurance companies to increase leverage and reduce transparency, which will do more harm than good to consumers. In other words, insurance products that fail to meet this standard must be discontinued before April this year 1. Not all insurance products have stopped, but those with low cost performance have stopped.
In fact, the products that have been discontinued are not as "perfect" as advertised by friends. Consumers should not blindly follow the trend without thinking when they see such relevant information. They should combine their own actual situation and economic ability, comprehensively consider the types, advantages, guarantees, premiums and other factors of products, and choose the insurance products that are most suitable for them.
For the insurance products that have been purchased to stop selling, the insured can also rest assured that the insurance company will fulfill the terms in accordance with the contents of the contract. In other words, the rights and interests of the insured will not be affected by the suspension of product sales.
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20 17 did the CIRC stop surrendering insurance? It's a rumor!
In response to the recent news in the circle of friends that "a surrender of health insurance was stopped", official website of the China Insurance Regulatory Commission issued a consumption reminder and denied that the report was inconsistent with the facts. The CIRC stressed that insurance companies should not take the opportunity of self-examination and rectification to carry out false propaganda and adopt marketing strategies such as "speculation and suspension" to carry out insurance business, which violates the principle of utmost good faith in insurance.
Rumors! The return insurance is fake.
I believe that people who pay attention to insurance news have heard a message circulated in the circle of friends a while ago that the Measures for the Administration of Health Insurance 20 17, 1 came into effect, and the sale of returned health insurance is about to stop. Since then, all health insurance is consumer-oriented, and the era of losing money due to illness and returning to the original without illness is over ... "At the same time, a video of the media reporting the news is attached. Return insurance has therefore become a hot search and a topic of concern to many people. Is this really the case? And listen to how the authoritative CIRC explains it.