China Banking Regulatory Commission notified and punished PICC P&C insurance.

Today (February 23rd), the Consumer Protection Bureau of China Banking Regulatory Commission issued the Notice on Insurance Consumer Complaints in the Fourth Quarter of 2002/KLOC-0 (hereinafter referred to as the Notice), which informed the insurance consumer complaints accepted and forwarded by China Banking Regulatory Commission and its dispatched offices in the fourth quarter of 2002/KLOC-0.

According to the circular, in the fourth quarter of 200212002, the China Banking Regulatory Commission and its dispatched offices * * * accepted and forwarded 37,646 insurance consumption complaints involving insurance companies, a decrease of 7.39% from the previous month. Among them, there were 14247 cases involving property insurance companies, down 14.53% from the previous month, accounting for 37.84% of the total complaints; There were 23,399 life insurance companies, down 2.42% from the previous month, accounting for 62. 16% of the total complaints. PICC ranks first among property insurance companies in the number of complaints. The number of complaints from China Ping An Life Insurance Company of China Insurance Company ranks first among China life insurance companies.

According to the circular, in the fourth quarter of 20021,the median complaint volume of 100 million yuan premium of property insurance companies was 7.0 1/ 100 million yuan, and the median complaint volume of 10,000 policies was 0.47/ 10,000; The median complaint volume of 100 million yuan premium of life insurance companies is 24.8/100 million yuan, the median complaint volume of 10,000 policies is 0.26/ 10,000 people, and the median complaint volume of 10,000 people is 0.09/ 10,000 people. Sunshine Credit Insurance, Hyundai Property Insurance and Taikang Online Property Insurance rank among the top three property insurance companies with a premium complaint of 100 million yuan. Sunshine Agricultural Insurance, Pacific Anxin Agricultural Insurance and Anhua Agricultural Insurance ranked among the top three property insurance companies with complaints. Guo Fu Life Insurance and Founder Life Insurance of Peking University rank in the top two in terms of complaints about 100 million yuan premium. American Mutual Life Insurance and Aisheng Life Insurance ranked among the top two life insurance companies in terms of complaints. The number of complaints from Aisheng ranks first among life insurance companies.

According to the circular, there were 10506 claims disputes from property insurance companies, accounting for 73.74% of the total complaints from property insurance companies. Sales dispute complaints 1293, accounting for 9.08%. The number of complaints about PICC claims disputes ranks first among property insurance companies. PICC Procter & Gamble Company. China Insurance and Ping An Insurance. C Insurance ranks among the top two property insurance companies in terms of sales dispute complaints.

There were 9082 complaints about motor vehicle insurance disputes from property insurance companies, accounting for 63.75% of the total complaints from property insurance companies; Insurance dispute complaints 1458, accounting for 10.23%. The number of complaints about motor vehicle insurance disputes in PICC ranks first among property insurance companies. PICC Procter & Gamble Company. China Insurance and Ping An Insurance. C insurance ranks among the top two property insurance companies in terms of ensuring the number of complaints about insurance disputes.

According to the circular, there were 2,465 claims disputes involving life insurance companies, accounting for 10.53% of the total complaints of life insurance companies. There were 10362 complaints about sales disputes, accounting for 44.28%. People's Health, China Life Insurance and Xinhua Life Insurance ranked in the top three. China Insurance Company China Ping An Life Insurance Company of China Insurance Company ranks first in the number of complaints about sales disputes among life insurance companies.

There were 9666 complaints about ordinary life insurance disputes from life insurance companies, accounting for 41.31%of the total complaints from life insurance companies; There were 534 complaints about insurance disputes1piece, accounting for 22.83%. China insurance company, China Ping An Life Insurance Company of China insurance company, has the largest number of complaints about ordinary life insurance disputes among life insurance companies. Xinhua Life Insurance, China Life Insurance, Ping An Life Insurance Company of China, China and Taiping Life Insurance ranked among the top three in terms of complaints about medical insurance disputes.

The specific notice is as follows:

China Banking and Insurance Regulatory Commission China Consumer Rights Protection Bureau

Notice on complaints about insurance consumption in the fourth quarter 202 1

Order No.4 of China Banking Regulatory Commission [2022].

Insurance regulatory bureaus and insurance companies of all banks:

In the fourth quarter of 200212002, the CBRC and its dispatched offices received and forwarded 37 copies.

(1) PICC P&G Company; C ranks first in the number of complaints among property insurance companies. The top 10 complaints of property companies are: PICC P&G 4225；; C insurance, down 23.76% from the previous month; Ping An Property Insurance was 65,438+0,330, up 65,438+03.00% from the previous month; Pacific Property Insurance Company 1 158, down 27.03% from the previous month; Sunshine Property Insurance 9 12, up14.14% from the previous month; 650 property insurance companies in China, an increase of 20.82% from the previous month; China Life 6 16, an increase of1.99% from the previous month; 495 property insurance, a decrease of 28.78% from the previous month; 426 online property insurance, a decrease of 43.28% from the previous month; 396 Taiping property insurance, down 23.70% from the previous month; There were 394 Taikang online property insurance companies, down 22.59% from the previous month.

Figure 1 Property Insurance Companies with Top Complaints 10 (Unit: Pieces)

(2) China Insurance Company China Ping An Life Insurance Company of China Insurance Company ranked first among life insurance companies in terms of complaints. The top 10 of complaints from life insurance companies are: China Insurance Company China Ping An Life Insurance Company of China Insurance Company 4 10 1, an increase of18.29% from the previous month; Taikang Life Insurance 2725, down 0.58% from the previous month; 25,065,438+0 China Life Insurance, down 65,438+02.83% from the previous month; Taiping Life Insurance 2 178, up 4.61%from the previous month; Xinhua Life Insurance 2055, down 0.15% from the previous month; Pacific Life 1380, down 52.08% from the previous month; Fude Sino Life 1 193, up 5.76% from the previous month; 1070 people live, down 6.39% from the previous month; 873 models of Sunshine Life Insurance, up 7.38% from the previous month; There were 573 healthy people, up 15.52% from the previous month.

Figure 2 10 Life Insurance Companies with Top Complaints (Unit: Pieces)

Two. Comparison of complaint volume and business volume

(1) Property insurance company.

1. Sunshine Credit Insurance, Hyundai Property Insurance and Taikang Online Property Insurance are among the top three property insurance companies with a premium complaint of 100 million yuan. In the fourth quarter of 2002/kloc-0, the median number of complaints about the premium of 100 million yuan of property insurance companies was 7.0 1 piece/100 million yuan. Among them, the top 100 million premium complaints 10 are: Sunshine Credit Insurance 98.723 pieces/100 million yuan; Modern property insurance is 209.7 1 piece/100 million yuan; Taikang

Online property insurance 130 5438+0/100 million yuan; Sunshine agricultural insurance is 32.85 pieces/100 million yuan; Anhua Agricultural Insurance 24.8 1 piece/100 million yuan; Xin' an auto insurance is 20.88 pieces/100 million yuan; Rong Sheng insurance is 20.23 pieces/100 million yuan; Strait Insurance 19.26 pieces/100 million yuan; Hengbang Property Insurance 17.05438+0 pieces/100 million yuan; Dubang Property Insurance 15.95 pieces/100 million yuan.

Figure/KLOC-Property Insurance Company with 0/0.3 billion yuan premium complaint (unit: pieces/100 million yuan)

2. Sunshine Agricultural Insurance, Pacific Anxin Agricultural Insurance and Anhua Agricultural Insurance rank among the top three property insurance companies. In 200214th quarter, the median number of complaints about 10,000 policies of property insurance companies was 0.47/ 10,000. Among them, the top ten thousand policy complaints 10 are: Sunshine Agricultural Insurance 1 1.97/ ten thousand; Pacific Anxin Agricultural Insurance 4.25 pieces/10,000 pieces; Anhua Agricultural Insurance 4.22 pieces/10,000 pieces; Kowloon Property Insurance 3.94 pieces/10,000 pieces; Guoyuan Agricultural Insurance 3.00 pieces/10,000 pieces; Yangtze property insurance 2.27 pieces/10,000 pieces; Hengbang Property Insurance 2. 13/10,000; Rong Sheng Insurance 1.87 pieces/10,000 pieces; Strait Insurance 1.84 pieces/10,000 pieces; Xin 'an Auto Insurance 1.79 RMB/10,000 RMB.

Figure 40,000 Property Insurance Companies 65,438+00 Complaints (unit: pieces/10,000 pieces)

(2) Life insurance companies.

1. Guo Fu Life Insurance and Peking University Founder Life Insurance are among the top two life insurance companies. In the fourth quarter of 2002/KLOC-0, the median number of complaints about 100 million yuan premium of life insurance companies was 248/100 million yuan. Among them, the top 10 of premium complaints are: Guo Fu Life Insurance1633/100 million yuan; Peking University Founder Life Insurance 13.42 pieces/100 million yuan; Taikang Life Insurance 1 1.49 pieces/100 million yuan; People's health 1 1.09 pieces/100 million yuan; Huatai Life Insurance 1 1.05 pieces/100 million yuan; Fude Life Life 10.45 pieces/100 million yuan; Fosun United Health 9 14 pieces/100 million yuan; 8.50 pieces of Taiping Life Insurance/100 million yuan; Sino-US Luen Thai Life Insurance 8.3 1 piece/100 million yuan; Xinhua Life Insurance 7.64 pieces/100 million yuan.

Figure/KLOC-Life Insurance Company with 0/0.5 billion yuan premium complaint (unit: pieces/100 million yuan)

2. Mei Xin Mutual Life Insurance and Aisheng Life Insurance rank in the top two among life insurance companies. In the fourth quarter of 2002/KLOC-0, the median number of complaints about 10,000 policies of life insurance companies was 0.26/ 10,000 policies. Among them, the top ten thousand policy complaints 10 are: Mei Xin Mutual Life 1.35/ ten thousand policies; Love life 1.08 yuan/ten thousand yuan; China-Korea Life Insurance 0.96 pieces/10,000 pieces; Union Life Insurance 0.95 pieces/10,000 pieces; Guolian Life Insurance 0.94 pieces/10,000 pieces; Fude Life Life is 0.80 yuan/10,000 yuan; Lujiazui Cathay Life Insurance 0.80 pieces/10,000 pieces; Changsheng Life Insurance 0.72 pieces/10,000 pieces; Peking University Founder Life Insurance 0.70 yuan/10,000 yuan; Ying Da Life Insurance 0.67 pieces/10,000 pieces.

Figure 10 60,000 policy complaints from life insurance companies (unit: pieces/10,000 pieces)

3. The number of complaints from Aisheng ranks first among life insurance companies. 202 1 The median number of complaints from life insurance companies in the fourth quarter was 0.09/ 10,000. Among them, the top 10 of complaints per 10,000 person-times are: love life is 0.92/ 10,000 person-times; Union Life Insurance 0.59 pieces/10,000 person-times; China-Korea Life Insurance 0.53 pieces/10,000 person-times; China Merchants Cigna Life Insurance 0.47 pieces/10,000 person-times; Fude Life Life is 0.45 pieces/10,000 person-times; Sunshine Life Insurance 0.44 pieces/10,000 person-times; Xintai Life Insurance 0.44 pieces/10,000 person-times; Peking University Founder Life Insurance 0.43 pieces/10,000 person-times; Taiping Life Insurance 0.38 pieces/10,000 person-times; Huatai Life Insurance 0.35 pieces/10,000 person-times.

Figure 70,000 life insurance companies with the top 65,438+00 complaints (unit: pieces/10,000 complaints)

Three, the main problems of complaints to property insurance companies

(a) the main reasons involved in the complaint. Among the complaints involving property insurance companies, there were claims disputes 10506, accounting for 73.74% of the total complaints of property insurance companies; Sales disputes 1293, accounting for 9.08%.

1.PICC P&C ranks first in the number of claims disputes among property insurance companies. Before the property insurance company settled the dispute, 10 was: 307 1 PICC P&C insurance, down 25.45438+0% from the previous month; 923 Pacific property insurance, a decrease of 27.38% from the previous month; 743 Ping An property insurance companies, up 23.83% from the previous month; 576 Sunshine Property Insurance, up 43.64% from the previous month; There were 505 property insurance companies in China, up12.72% from the previous month; 492 China Life Insurance, down 65,438+0.80% from the previous month; 323 Taiping property insurance, a decrease of 25.92% from the previous month; 274 pieces of land and property insurance, down 33.82% from the previous month; 248 pieces of Zhongan online property insurance, a decrease of 48.55% from the previous month; Taikang Online Property Insurance was 228, up 15.74% from the previous month.

Figure 8 10 Top Property Insurance Companies in Settlement Disputes (Unit: Pieces)

2.PICC P&C Insurance and Ping An P&C Insurance are the two property insurance companies with the most complaints about sales disputes. The top 10 number of complaints about sales disputes of property insurance companies is: 392 PICC P&C insurances, down 33.90% from the previous month; 326 Ping An property insurance companies, down 7.65% from the previous month; Sunshine Property Insurance 14 1, down from the previous month14.02%; 90 Dida Property Insurance, down 21.74% from the previous month; 84 Pacific property insurance companies, down 9.68% from the previous month; 69 Taikang online property insurance, down 50.36% from the previous month; 60 pieces of Zhongan online property insurance, down 50.00% from the previous month; China Property Insurance 14, up 7.69% from the previous month; China Life Insurance 13, down 27.78% from the previous month; Zijin Property Insurance 13, up 8.33% from the previous month.

Figure 9 10 Property insurance companies with the largest number of complaints about sales disputes (unit: piece)

(two) the main types of insurance involved in the complaint. Among the complaints involving property insurance companies, there are 9082 motor vehicle insurance disputes, accounting for 63.75% of the total complaints of property insurance companies; Guarantee insurance dispute 1458, accounting for 10.23%.

1.PICC P&C ranks first among property insurance companies in the number of complaints about motor vehicle insurance disputes. The top 10 of complaints about motor vehicle insurance disputes of property insurance companies are: PICC P&C Insurance Company 3 140, down 24.30% from the previous month; 800 Pacific property insurance companies, down 32.60% from the previous month; There were 732 Ping An property insurance companies, an increase of 65,438+04.438+0% from the previous month; Sunshine Property Insurance 540, an increase of 55.62% from the previous month; There were 443 property insurance companies in China, an increase of 8.85% from the previous month; China Life Insurance was 3,965,438+0, down 65,438+00.53% from the previous month; 246 land and property insurance, a decrease of 36.43% from the previous month; 237 Taiping property insurance, down 30.29% from the previous month; State-owned property insurance was 20 1, down from the previous month15.55%; Huaan Property Insurance was 65,438+080, down 25.00% from the previous month.

Figure 10 Property insurance companies with the top number of complaints about motor vehicle insurance disputes 10 (unit: pieces)

2.PICC P&C insurance and Ping An P&C insurance rank in the top two in the guarantee insurance dispute complaints. The top number of complaints about insurance disputes of property insurance companies' guarantee 10 are: 444 PICC P&C insurances, down 25.75% from the previous month; 364 Ping An Property Insurance, down 5.45% from the previous month; Sunshine Property Insurance was 232, down11.45% from the previous month; Dida Property Insurance was 65,438+046, down 65,438+00.43% from the previous month; 77 Pacific property insurance companies, down 35.29% from the previous month; 72 pieces of Zhongan online property insurance, down 25.00% from the previous month; There are 49 property insurance companies in China, up145.00% from the previous month; Huaan Property Insurance 14, up 27.27% from the previous month; 9 Asia-Pacific property insurance, an increase of 50.00% from the previous month; There were 9 Zijin Property Insurance, up 65,438+02.50% from the previous month.

Figure 1 1 before insurance 10 Property insurance companies complaining about insurance disputes (unit: pieces).

Four, the main problems of complaints to life insurance companies

(a) the main reasons involved in the complaint. Among the complaints involving life insurance companies, there were 2465 claims disputes, accounting for10.53% of the total complaints of life insurance companies; Sales disputes 10362, accounting for 44.28%.

1. People's Health, China Life Insurance and Xinhua Life Insurance rank among the top three life insurance companies. The top 10 of claims disputes of life insurance companies are: 375 cases of people's health, up 7.14% from the previous month; There were 365,438+00 China Life Insurance, down 22.165,438+0% from the previous month; Xinhua Life Insurance 2 18, down 8.02% from the previous month; Ping An Pension 164, up 57.69% from the previous month; China Ping An Life Insurance Company of China Insurance Company 162, an increase of 36.13% from the previous month; People's Life Insurance 160, down 28.25% from the previous month; Pacific Life Insurance 65,438+039, down 53.36% from the previous month; Taikang Life Insurance 134, down 0.74% from the previous month; Taiping Life Insurance 12 1 piece, down 5.47% from the previous month; Centennial Life 6 1, same as the third quarter.

Figure 12 10 Top Life Insurance Companies in Settlement Disputes (Unit: Pieces)

2. The number of complaints about sales disputes of China Ping An Life Insurance Company of China Insurance Company ranks first among life insurance companies. The top 10 complaints about sales disputes of life insurance companies are: 2073 in Ping An Life Insurance Company of China, China, up 8.59% from the previous month; Taikang Life Insurance 65,438+0,305, an increase of 6.27% from the previous month; China Life 1 125, down from the previous month16.36%; 932 pieces of Taiping Life Insurance, up10.17% from the previous month; Xinhua Life Insurance 88 1, down from the previous month1.01%; 692 Pacific life insurance, a decrease of 47.58% from the previous month; 635 Fude Life Life, down 3.20% from the previous month; People live in 374 people, down 4.10% from the previous month; 349 models of Sunshine Life Insurance, down 6.93% from the previous month; There were 244 joint life insurance companies, an increase of 83.46% from the previous month.

Figure 13 Life Insurance Company 10 Top Sales Disputes Complaints (Unit: Pieces)

(two) the main types of insurance involved in the complaint. Among the complaints involving life insurance companies, there are 9666 ordinary life insurance disputes, accounting for 41.31%of the total complaints of life insurance companies; Medical insurance disputes were 534 1 piece, accounting for 22.83%.

1. The number of complaints about general life insurance disputes of China Ping An Life Insurance Company of China Insurance Company ranks first among life insurance companies. The top 10 of complaints about ordinary life insurance disputes of life insurance companies are: China Ping An Life Insurance Company of China Insurance Company 24 15, up from the previous month18.09%; China Life 1 1 18, down 7.83% from the previous month; Taikang Life Insurance 109 1, an increase from the previous month15.21%; 769 Taiping Life Insurance, an increase of15.5438+0% from the previous month; 655 pieces of Xinhua Life Insurance, down 0.91%from the previous month; 583 models of Pacific Life Insurance, down 45.56% from the previous month; 434 Fude Life Life, an increase of 8.77% from the previous month; 386 Sunshine Life Insurance, up 65,438+00.60% from the previous month; People's Life Insurance was 3 18, down 5.07% from the previous month; There were 65,438+099 pieces of Luen Thai Life Insurance between China and the United States, a decrease of 7.44% from the previous month.

Figure 14 Life insurance companies (unit: pieces) with the top number of complaints about ordinary life insurance disputes 10

2. The complaints of sickness insurance disputes of Xinhua Life Insurance, China Life Insurance Ping An Life Insurance Company of China and Taiping Life Insurance rank among the top three life insurance companies. The top 10 of complaints about illness insurance disputes of life insurance companies are: Xinhua Life Insurance 7 15, up from the previous month13.85%; 622 insurance companies in Ping An Life Insurance Company of China, China, an increase of 37.00% from the previous month; 535 copies of Taiping Life Insurance, an increase of 3.68% from the previous month; 496 Taikang Life Insurance, down11.27% from the previous month; 460 people lived, down 4.76% from the previous month; 458 China Life Insurance, an increase of 7.76% from the previous month; 275 Fude Life Insurance, an increase of 23.87% from the previous month; 252 Pacific life insurance, down 61.59% from the previous month; Centennial Life 18 1, up 32.12% from the previous month; Sunshine Life Insurance 176, an increase of 18. 12% from the previous month.

Figure 15 10 Life insurance companies with the largest number of complaints about sickness insurance disputes (unit: pieces)

This article comes from the financial sector.

Related Questions and Answers: Related Questions and Answers: What is the most effective way to complain about insurance companies? When an insurance company refuses to pay compensation, it can defend its rights through the following methods.

1. Complain to the relevant departments of the insurance company, request re-underwriting, and make claims according to the contract.

2. You can complain to the local CIRC and the insurance industry association in four ways.

① Write a complaint: attach a copy and contract related to claim settlement. (The specific address can be found in official website, CBRC).

(2) Petition and complaint: directly petition the local insurance industry association and other institutions.

③ Telephone complaint: the insurance consumer rights complaint hotline "12378" makes a complaint.

④ Complaint in official website: Complain in official website Complaint Column of China Insurance Regulatory Commission or local insurance regulatory bureau.

3. Bring relevant evidence and entrust a lawyer to bring legal proceedings.

Before you complain, you need to know

(1) The complaint must be well-founded to be supported. If you don't have evidence in your mouth, you must carry information related to claims and insurance contracts.

(2) Only when the accident meets the claim conditions stipulated in the insurance can the complaint be successful.

(3) Irregular insurance (for example, insurance against diseases), lack of required claims materials, etc. , which may lead to complaints or litigation failure.

The reasons for the insurance company's refusal to pay compensation have been summarized by @ Xiaobangbao before. Interested friends can read this article:

/I 664925 124756 1900547/

Grasp the litigation time

Let me remind you that if you want to go to court, you must grasp the time of the lawsuit. Because according to the insurance law:

The limitation of action for the insured or beneficiary of insurance other than life insurance to claim compensation or pay insurance money from the insurer is two years, counting from the day when he knows or should know the occurrence of the insured accident.

(2) The limitation of action for the insured or beneficiary of life insurance to request payment of insurance benefits from the insurer is five years, counting from the day when he knows or should know the occurrence of the insured accident.

After answering the question, I wonder if the doubts in the subject's heart have been solved. If you have different opinions, or other insurance issues, you can leave a message or send a private message @ Xiaobangbao!

For more insurance knowledge, you can pay attention to the headline number of Xiaobaibao and the official account of Weibo WeChat.