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Financial Knowledge Publicity: Insurance Essentials

【猶豫期VS回訪】有什么關(guān)聯(lián)？

I. [Cooling-off Period VS?Follow-Up]: What’s the Connection?

購買保險前，您是否聽說過“猶豫期”這個概念呢？它可是保護我們消費者權(quán)益的重要機制之一！

Before buying insurance, have you heard of the “cooling-off period”? It’s a vital safeguard for your rights as?a?consumer!

相關(guān)條款

Relevant Clause

猶豫期是指投保人收到保險合同后的一定期限內(nèi)，如不同意保險合同內(nèi)容，投保人有權(quán)將保險合同退還保險公司并申請撤消，保險公司應(yīng)當(dāng)扣除不超過10元的工本費后退還已繳保費。猶豫期通常是從投保人收到保險合同的次日起開始計算，一般是10天-15天。

The??cooling-off period? refers to a specified timeframe during which a policyholder, upon receiving an insurance contract, has the right to return the contract to the insurance company?and request cancellation if?he/she?disagrees?with its terms. The insurance company?shall?refund the paid premium after deducting a service fee not exceeding 10 yuan.???This period usually begins ?on the day after the policyholder receives the contract? and generally lasts ?10-15?days?.

根據(jù)《人身保險業(yè)務(wù)基本服務(wù)規(guī)定》相關(guān)規(guī)定，保險公司應(yīng)當(dāng)在猶豫期內(nèi)對合同期限超過一年的人身保險新單業(yè)務(wù)進行回訪，并及時記錄回訪情況，以確保消費者充分了解所持有保險合同的信息及相關(guān)權(quán)利義務(wù)。

Under the?Provisions on Basic Services for?Personal?Insurance Business, insurance companies ?shall?conduct follow-up? for newly issued?personal?insurance policies with?a?contract term exceeding one year ?during the cooling-off period?, ?and promptly document these follow-up activities??. This ensures policyholders fully understand their contractual information, rights and obligations?.

實際案例 ?

Actual Case ?

王女士最近購買了一份長期健康保險產(chǎn)品，在簽收保單后的第3天接到了來自保險公司的回訪電話，客服人員詳細(xì)詢問王女士保險合同信息的準(zhǔn)確性及是否清楚所購買保險產(chǎn)品的重要條款事項，包括猶豫期內(nèi)退保的權(quán)利。這幫助她確認(rèn)了自己的選擇，并且在之后的日子里更加安心地享受保障服務(wù)。

Ms. Wang recently purchased a long-term health insurance policy. ?On the third day after signing and receiving her policy?, she received a ?follow-up call? from the insurance company. During the call, the customer service representative ?thoroughly verified? the accuracy of her policy details and ?confirmed her understanding? of critical terms, including her ?right to cancel during the cooling-off period?. This process reassured Ms. Wang about her decision, allowing her to confidently enjoy her coverage with peace of mind?in the future.

保險小貼士

Insurance Tips

請充分了解保險產(chǎn)品的猶豫期，注意保持手機暢通，認(rèn)真確認(rèn)回訪問題，避免因信息不對稱或誤解而產(chǎn)生的分歧，購買符合自身需求的保險產(chǎn)品，充分保障您的合法權(quán)益。

You should thoroughly understand? the ?cooling-off period? of your insurance product, keep your phone accessible?, carefully confirm ?follow-up questions?, and ?avoid disputes? arising from information asymmetry or misunderstandings. ?You should purchase policies aligned with your needs? to ?fully safeguard your legal rights?and interests.?

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