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商业保险靠亲情绑架开展业务 遇事儿很难获得赔偿

2016-09-23 11:30:30   央广网

央广网郑州9月23日消息(河南台记者孙喜增)据中国之声《央广新闻》报道,商业保险是社会保险的补充,如今有越来越多的朋友在经济条件允许的情况下为自己和家人买一份商业保险。但记者调查发现,保险营销人员受利益驱动,往往在亲友间开展业务,受亲情友情绑架,农民稀里糊涂参保后,遇事儿很难获得赔偿。

在河南农村,保险营销员基本是本乡本土的农民,首先自己被洗脑,认为购买保险能实现子孙后代长期受益,自己一家先买,然后通过亲朋好友等多种关系,一方面发展新成员,一方面不停的入户拜访,推销保险产品。

河南邓州构林镇的农民老周近来为刚买的商业保险郁闷生气,大侄儿媳妇不知道啥时候成了某保险公司的业务员,天天去他家推销疾病商业险,经不住软磨硬泡,给俩孙子购买了两份疾病保险,每年交4000多元,连续交20年,但是具体保的什么病种,生病能赔付多少都不知道,稀里糊涂就在合同上签了字。现在感觉后悔,又不知道怎么退保。推销保险时,保险员会介绍购买的各种好处,但对保险条款中的拒赔项目却只字不提或含糊其辞。农民往往缺乏合同意识,在业务员反复地劝说中,很多连合同的内容都没看,就签字生效。碍于情面购买了保险产品,但索赔时却不是那么容易。社旗县大冯营镇丁庄村刘女士早几年在某商业保险公司为其父亲买了两份保障型人身保险,在理赔时保险公司再三推诿,本应赔付两万元保费,结果只拿到了一万元钱。

南阳社旗县大冯营镇的张先生有着多年的保险营销经历,他表示,保险业务员的业绩一般是靠拉保险业务,第二是发展下线,因为下线业绩和上线业绩相关联,佣金一般是20%—25%,职级越高薪酬就越多,高额的提成是疯狂开展业务的原动力。从业人员更是鱼龙混杂,一个村做保险营销的有几十人,有的一家全员出动。刚开始只有从身边熟悉的人做起,亲友发展完了,很多人就不干了。

根据《保险法》第十七条规定,保险机构对保险合同中有关免除保险公司责任、退保、费用扣除、现金价值和犹豫期等事项,保险人应当向投保人作出提示,也就是说,如果刻意隐瞒相关内容,将会受到处罚。对此,南阳某保险公司业务总监李兴建表示,出现故意隐瞒的,第一次就要工资扣除,第二次就开除,并追究业务员的经济责任。另外建议,买不买商业险,要根据自己的需要而定,农民自己要有主见,要树立合约意识,要看清合约内容,不能稀里糊涂就参保。

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