For the first time, the Insurance Law clearly stipulates nine kinds of misleading sales behaviors.
1. Describe the characteristics and contents of insurance products unilaterally or incompletely, and conceal important information related to insurance contracts;
2. Confuse insurance products with other financial products, or improperly compare the income of insurance products with the income of other financial products;
3. Publicize the non-guaranteed interests in insurance products as guaranteed interests;
4. Make explanations or commitments beyond the scope agreed in the insurance contract on dividends, surplus distribution or uncertain future income of insurance products;
5. Improper promotion to customers with false or untrue tax incentives for insurance products;
6. Misleading customers with false or untrue identities and carrying out insurance sales activities;
7. Fabricating and spreading false information to damage the business reputation of competitors, or disrupting the order of the insurance market by other unfair competition behaviors;
8. Promise to give the insured, beneficiary and insured benefits beyond those agreed in the insurance contract.
9. In addition to the above acts, do other false or misleading propaganda.
Don't panic if buying insurance is misled by sales, you can solve it in a centralized way.
1. During the hesitation period, you can directly surrender the insurance and get back the paid premium;
2. After the hesitation period, if you are misled by sales, you can coordinate with insurance to get back the paid premium, or you can report to CBRC to coordinate to get back the paid premium.
3. If there is no evidence to prove that you have been misled by sales but want to recover certain losses, you can apply for surrender or insurance reduction.
However, before surrendering, it is still necessary to distinguish whether you are really fooled. I usually feel cheated because of two situations: I can't claim compensation and the income is not up to expectations.
Failing to tell the health status truthfully when applying for insurance: It is often because of failing to tell the health status truthfully that claims cannot be made. In the event of an accident, the insurance company will not miss all the past medical records of the insured, and the health truth must not be sloppy.
Not meeting the claim conditions: the claim of each policy must meet certain conditions, such as life insurance that will be settled after death, and the payment amount of some life insurance will be affected by the age of death. You should read these contents clearly by yourself.
Exemption from contract: Exemption means that this policy does not bear the liability for claims under certain circumstances. For example, most insurances stipulate that the insured is exempted from driving a motor vehicle after drinking.