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134号文大限将至 部分险企借“停”炒作

2017-09-25 07:21:53   中国经济网

每经记者 袁 园 每经编辑 毕陆名

“今天你犹豫一下,本来15天就可以返还的保险,之后要五年才能返还。”“快速返还年金、高额返还年金、附加万能险将成绝唱。赶紧买吧,且买且珍惜。”“9月30日以后快返型年金险将退出历史舞台,快搭上最后一班车”……随着10月1日临近,多种涉及快速返还和万能险的宣传语在部分微信群和APP平台上演“最后的疯狂”。按照中国保监会《关于规范人身保险公司产品开发设计行为的通知》(以下简称134号文)要求,保险公司不符合规定的保险产品将在10月1日前完成自查和整改。其中,叫停快速返还型保险产品、以附加险形式设计的万能险或投连险产品的规定,让很多保险公司不得不进行业务整改。

有业内人士表示,在这波停售的狂潮中,有一些确实是迎合监管规定的要求,但134号文件只是说限制原来的短期业务,还有在预定费率受限的情况下以万能险变相提高产品收益率的做法也受到限制,不能简单理解为“十一”之后消费者的利益将降低。此外,对于“停售炒作”的行为,部分保险专家也给出看法,“炒停”是一种营销手段,已成为严打对象。保监会一旦发现保险公司存在产品“炒停”等违规行为,会依据相关法律法规严肃追究保险公司和有关人员责任。

现象:大限前“停售炒作”上演

除了整改大限将至前上述下架停售炒作外,还有一些传闻的东西也引起了很多消费者的关注。比如:10月份之前,吸烟者的投保保费不变,而10月份之后,吸烟者的投保保费将提高;10月份之前,甲状腺癌仍在重大疾病的保障中,而10月份之后,甲状腺癌将被纳入轻症范围;10月份之后,消费者的投保数据与社保卡挂钩,如果您的社保卡曾给他人开药看病,有可能因高血压等疾病被拒保等。

在众多宣传内容中,所有看起来都言之凿凿,而他们的宣传依据就是——134号文。那么,这个134号文究竟是什么?上述提到的下架停售和保障范围缩小等情况是否真的存在呢?所谓的134号文其实就是一个关于人身险产品设计的新规。发布于今年5月份,主要为了防止保险产品快速返还,影响保障功能的发挥,以及防止理财型保险与保障产品混淆,出现销售误导。因此,文件内容针对人身险产品设计进行了详细的规范,并指明了方向、范围和整改截止日期,也就是10月1日。

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