Insights on the Insurance Law Part 1: The revision of the Insurance Law has put forward new requirements for all insurance companies.
The first is to make new regulations on the channels for the use of insurance funds, as well as the qualifications and solvency of insurance company shareholders and executives.
1. The channels for using insurance funds have been broadened to achieve integration with international standards, but on this basis, the safety of funds must be ensured.
2. In order to improve the quality of insurance companies and the quality of management personnel, the new Insurance Law has put forward higher requirements for shareholders and executives of insurance companies.
3. Restrict commercial advertising for companies with insufficient solvency.
Secondly, it strengthens the protection of the interests of policyholders and insureds, which is a highlight of this revision.
Among them are the "incontestable rules", "compensation will be paid within 10 days of reaching an agreement", "clear claims for property transfer", "clear explanation within the insurance period", "standardized contract 'format clauses'", "can also receive compensation under special circumstances",
All are a major challenge to insurance companies.
Not only must the service reach a new level, but the quality and knowledge capabilities of the company's front-line and back-line employees must be improved in order to adapt to the requirements of the new insurance law.
In particular, the "incontestability rule" is particularly important for the selection of target customers, because the new insurance law stipulates that "the insurer shall not terminate the contract if it exceeds two years from the date of establishment of the contract."
This revision is beneficial to the frontline personnel of insurance companies.
But how to express the true meaning of the new insurance law to target customers is another big test for frontline personnel.
Of course, this is inseparable from the learning and help organized within the insurance company, but self-digestion by each practitioner is crucial.
For insurance companies, it is a powerful challenge.
How to improve the internal and external competitiveness and comprehensive strength of insurance companies in a short period of time is an important issue facing all insurance entities.
Therefore, constantly emphasizing the importance of service and integrity, comprehensively carrying out training to improve service awareness, and always implementing the concept of "building an insurance company with the best service" are the goals of our company's unremitting efforts.
This revision forces me to once again emphasize the huge power of service quality, which can not only retain existing customers, but also bring potential customers.
Give a real example.
There was a customer who went to an insurance company to collect compensation. For some reason, he did not get the cash, so he looked angry. When the salesperson who served him saw it, he immediately used his own 500 yuan to advance to the customer.
In fact, it was a very simple and small move, but the customer believed in the salesperson unusually. Not only did he continue to renew his auto insurance business with the company, but he also introduced many of his friends to the company for insurance.
Even a few days ago, when he wanted to apply for life insurance, he found this salesperson to help introduce her.
This is the power of service.
A small gesture wins the hearts of customers and establishes integrity with service.
Therefore, I believe that with good services, insurance companies can obtain more insurance funds and expand their business to larger areas to enhance their competitiveness.
Finally, in order for the insurance industry to have a fair and good development environment, I believe that the order of the insurance market must be maintained, the principles of fairness and justice must be followed, and the legitimate rights and interests of policyholders, insureds and beneficiaries must be protected.
The new insurance law strengthens the supervision and management of the insurance industry and makes specific provisions on the rectification, takeover, cancellation and liquidation of insurance companies. At the same time, the regulatory agencies will impose strict regulations on the directors, supervisors, senior managers and other directly responsible persons of insurance companies.
The measures to be taken are clearly specified.
The revision of the Insurance Law, in a dialectical way, has both positive and negative aspects.
We cannot accept passively and passively, but must actively change existing shortcomings and explore ways to adapt.
Lead your competitors with your own characteristics, conquer customers with high-quality services, and welcome a different tomorrow with confidence.
Insights on the Insurance Law Part 2: I had nothing to do, so I flipped through the new "Insurance Law" that will be implemented on October 1 this year. I found that many of its provisions were quite intriguing. I picked out a few of them and discussed them with those who saw them.
? Article 19 The following clauses in an insurance contract concluded using the standard clauses provided by the insurer are invalid: (1) Exemptions from the obligations that the insurer shall bear in accordance with the law or aggravation of the liability of the policy holder or the insured; ? Exemptions in property insurance
Can the odds and deductible clauses withstand the test of this paragraph? (2) Exclude the rights enjoyed by the policy holder, the insured or the beneficiary according to law.