The protection of the rights and interests of insurance consumers, and what are the rights and inter

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The mission of the customer report is to create a fair, just, safe and harmonious market for all consumers; In addition to this, Customer Report is committed to providing consumers with all the conveniences and relevant information to enable them to protect themselves correctly and effectively. From the first day of the establishment of the customer report, all employees have worked with the protection of consumer rights as the standard, and all consumers are our alliance. In order to maintain independence and impartiality, client reports prohibits the receipt of gifts and paid advertising from any commercial enterprise.

Honesty and credibility, do not deceive consumers do not have the guarantee function.

And there is informed,

Insurance law is the best guarantee.

First, let's understand the three phases of insurance. All three term settings are consumer-friendly.

First, the hesitation period of insurance.

Within the cooling-off period of 10 to 15 days after the contract is officially in force, an application can be made to withdraw from the contract and a refund of the premiums paid. However, the insured accident that occurs during the hesitation period is in line with the conditions for claim settlement agreed in the contract. The insurance company is also required to pay.

Second, the insurance grace period. Long-term insurance is often paid for twenty or thirty years, and it is indeed easy to forget the chain. If you don't pay the premium when due, don't panic, the insurance contract will not expire immediately.

As long as the grace period agreed by the insurance company is generally within 60 days, the contract is still valid.

3. Termination period of insurance. If the grace period has expired and the premium has not been paid, the insurance contract will enter the termination period. Within two years after termination, if the premiums and interest payable are paid, you can still apply for reinstatement of the policy and continue to receive the protection of the insurance.

However, it should be noted that the insurance company will not compensate for the risk accidents that occur during the termination period. And if it has been more than two years and still has not applied for reinstatement, the policy will not be able to be resurrected. Moreover, when applying for reinstatement, the insurance company will re-evaluate the risk and rate.

Some insurance products also require a new health notification. A medical examination may also be required.

There are also three benefits to buying insurance.

First, the right to know.

Insurance products are different from ordinary commodities, and consumers choose to buy insurance to protect them from a certain period of time in the future. It is very important for policyholders to buy insurance clearly.

Second, the beneficiary right, the insurance product is to protect the loss caused by the risk that may occur in the future. After the occurrence of the insured event, as long as the conditions for settlement of claims agreed in the contract are met, the insured has the right to claim compensation from the insurance company.

Third, the right to privacy, insurance consumers enjoy the right to privacy, insurance companies must keep confidential the personal information, property status, health status and other information of policyholders, to ensure the information security of insurance consumers.

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Whether to buy insurance or not, everyone has their own answer, so once you decide to buy insurance, the following insurance rights, you must know if you miss it.

The right to return to the cover of the benefits.

1. The policy can be surrendered without reason during the cooling-off period. The hesitation period means that the policyholder and the insured are not satisfied with the insurance purchased within a certain period of time after signing the insurance policy, and can unconditionally request to surrender the policy. The China Insurance Regulatory Commission (CIRC) currently sets the cooling-off period for insurance companies at 10 days.

Rights. 2. There is a grace period for the payment of the renewal policy, and the policy is still valid during the grace period. When you get to the point where you are bored and have no way to pay, then don't worry, the insurance has a grace period of 60 days, and your policy is still valid within 60 days.

Rights. 3. A life insurance policy within two years of the suspension of premium payment can apply for policy reinstatement according to the insurance contract.

Rights. 4. Apply for a policy loan for emergency purposes, generally for policies with cash value.

Rights. 5. If you miss the time limit for reporting, you can also apply for compensation within a certain period of time.

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First, they can file a complaint with the dispatched agencies of the Insurance Regulatory Commission (Insurance Regulatory Bureau, Health Bureau), insurance industry associations, insurance company head offices and other institutions, and second, they can also apply for arbitration and file a lawsuit with the court.

1. Who should be sued by the head office for signing the labor contract and the branch for paying wages and social security?

In this case, it is not possible, and if you sign a contract with the head office, you should pay social security to the head office. Social insurance should be paid at the head office, and the labor contract should be signed with the head office. Moreover, the branch does not have an independent legal personality, and even if the branch is legally qualified to sign a labor contract with the employee, the resulting liability should be borne by the head office.

The employer shall, within 30 days from the date of employment, apply to the social insurance agency for social insurance registration for its employees. If they fail to register for social insurance, the social insurance agency shall verify and approve the social insurance premiums they should pay. The branch and the head office belong to the same legal entity, so it is okay to sign a labor contract with the branch, have the branch pay local social security, and the salary is paid by the head office.

Moreover, as long as the employer pays wages and social security on time, it is not against the law. Therefore, the head office should be sued.

2. What is the nature of the unincorporated person of the collective branch.

An unincorporated branch is a dispatched agency that does not have an independent legal personality and is the same legal entity as the head office, and its production, sales, finance, personnel and other aspects are under the control and control of the head office. Branches are located abroad to engage in production and business activities, and the country where they are located provides them with tax treatment for non-resident companies. The income tax it pays abroad will be given a tax credit in accordance with the regulations of the country where the head office is located**.

Branches have different names in different enterprises or industries, such as in some enterprises called branches, some enterprises are called Zhiyu branches, the commercial system is called branches, and the banking system is called branches, etc. As an integral part of the whole enterprise, the branch must strictly abide by the unified management policy of the headquarters. Under this premise, branches usually also have relatively independent operational autonomy.

Article 30 of the Insurance Law provides that if there is a dispute between the insurer and the policyholder, the insured or the beneficiary over the terms of the insurance contract concluded using the standard terms provided by the insurer, it shall be interpreted in accordance with the common understanding. If there are two or more interpretations of the terms of the contract, the people's court or arbitration institution shall make an interpretation in favor of the insured and the beneficiary.