According to the decision, from August 20 19 to February 2065438, three schools, Shenyang Experimental Middle School, Shenyang Residual Experimental Middle School and Shenyang Shenbei New District Experimental Middle School, were insured at Yi 'an Insurance Agency of Shenyang Central Branch of Xinhua Life Insurance Company (the actual policyholders were parents of students), involving the premium10/065438. China Life New China Life Shenyang Central Branch paid a commission of 575,700 yuan to Yi 'an Insurance Agency for the above business.
20 19 12. Gao Ying, the chairman of Yi 'an Insurance Agency Company, arranged for Wang Wenqi, a third-party person who has a fund lending relationship with him, to transfer 90,300 yuan to the bank cards of Du Xiaoke and Sun Xiaohui, staff members of Shenyang Tian Yu Experimental Middle School; At the same time, the bank cards of Du Xiaoke, Sun Xiaohui and Liu Wei from Shenyang Tian Yu Experimental Middle School were transferred by a third person, totaling 240,000 yuan.
Shenyang Yi 'an Insurance Agency Company took advantage of its business to seek illegitimate interests for other institutions or individuals, and was fined 6.5438+0.6 million yuan.
Student safety insurance, referred to as school-level insurance, mainly protects students from accidental injury, illness death, accidental injury medical treatment and hospitalization medical treatment. The hospitalization expenses for accidents and diseases of students inside and outside the school are guaranteed. Before 20 15, school flat insurance was compulsory and was purchased by the school. After that, the school's flat insurance was changed to voluntary insurance for students.
Because of its high insurance coverage, large premium scale and great potential for performance growth, China Ping An has become a "battleground for military strategists" of various insurance institutions.
From an internal training material of Xueping Insurance obtained by the insurance agency of a head insurance company, the paper finds that Xueping Insurance is regarded as a "stepping stone" to find new customers because of its low price and wide coverage. By studying insurance, we can quickly obtain a large number of customer information, and then develop insurance-conscious family customers to buy other high-value insurance products.
At present, Ping An Insurance's sales channels mainly include: the transformation of old customers, the "stall to get customers" in communities and streets, and the promotion of key figures in schools. The aforementioned insurance agent revealed that such illegal operations disclosed by Liaoning Banking Insurance Regulatory Bureau are not uncommon. "Some insurance institutions will provide benefits to schools, let schools recommend their own flat insurance products, and even let teachers collect premiums."
In addition, some parents told Interface News that every year when the school starts in September 1, the letter to parents will introduce Xueping Insurance. Because the school "strongly recommends" a certain product, children can be guaranteed, so everyone will buy it.
At present, the common annual premium of school insurance in the market is between 60 yuan and 200 yuan, and the reimbursement limit for accidental outpatient service is about 20,000 yuan, and the reimbursement limit for hospitalization is about 6,543,800 yuan, and the reimbursement coefficient is set. If part of the medical insurance has been reimbursed, the rest can be reimbursed by 80%- 100%. Some products guarantee critical illness insurance and death insurance, with a coverage of 3-65438+ 10,000 yuan.
Universal insurance has the advantages of low premium and covering diseases and accidents because of its universality, but its disadvantages are also obvious: low insurance coverage and only reimbursement of drugs in social security. If you encounter a big accident or illness, you will not learn the general risks. Some insurance brokers said that learning compulsory insurance is more like the "fitting" of insurance. If you want more comprehensive and adequate protection, it is recommended to purchase accident insurance and medical insurance separately.
In September, 20021year, local banking regulatory bureaus and insurance regulatory bureaus issued notices to regulate the insurance exhibition industry of the Expo. For example, Beijing Banking Insurance Supervision Branch requires all insurance institutions to strengthen the publicity of compulsory insurance.
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