11.2 C
New York
Wednesday, Sep 28, 2022
Image default
Finance

Where is the best way to complain to an insurance company?

Where is the best way to complain to an insurance company?

Complaining about the insurance company is the most effective. Generally, to protect our rights and interests, we will purchase the corresponding insurance in advance. However, once we do something, some insurance companies refuse to pay compensation, so we need to complain about the insurance company. So where is the most effective way to complain about the insurance company?

Where is the most effective way to complain to an insurance company 1

What is the best phone number to make a complaint to an insurance company?

If you are complaining about an insurance agent, and you have clear evidence of the agent’s misleading sales, etc., it is generally useful to complain directly to the insurance company. If the insurance company does not deal with it, you can call 12378 to complain.

12378 is the first nationwide complaint and rights protection hotline opened by China’s financial supervision department. It was officially opened on April 26, 2012. Consumers can call this number to complain if their interests are damaged in the process of purchasing an insurance company.

You must know that 12378 is the rights protection hotline opened by the China Banking and Insurance Regulatory Commission for banks and reimbursement consumers, and the China Banking and Insurance Regulatory Commission is the regulator of insurance companies, so if our complaint is true, then the China Banking and Insurance Regulatory Commission will ask the insurance company to deal with it. Talk to the management of the insurance company. Therefore, 12378 is the most useful number for complaints against insurance companies.

Note: Not all complaints will be dealt with, we must be reasonable. And the complaint hotline is quite popular, if you can’t get through, you can try a few more times.

Where is the best way to complain about an insurance company 2

1. Generally speaking, when the CIRC accepts a complaint, the complainant needs to provide relevant information about himself, as well as the basic information of the respondent and the content of the complaint, that is, the main facts, reasons, and supporting materials of relevant facts, etc. Generally, the processing time will not be very long. , just wait patiently.

2. Secondly, the best way to complain about an insurance company is to contact the customer service number of the China Banking and Insurance Regulatory Commission. The main job of the hotline is to accept consumer rights protection complaints and reports on bancassurance violations by staff and individuals of bancassurance institutions. Various complaints and reports from consumers can be contacted and handled quickly, and the results will be reported. Feedback to callers and properly resolve hotspots, difficulties, and focal issues that consumers report strongly.

3. Complain about insurance companies to the insurance regulatory authorities: The China Insurance Regulatory Commission has always emphasized the importance of paying attention to the interests of the insured and must investigate and deal with violations of laws and regulations that maliciously delay compensation, so you can complain to the insurance regulatory authorities if you have any problems.

4. Complain to the Insurance Association: As the self-regulatory body of the insurance industry, the China Insurance Association can also accept complaints;

5. Complaint to the head office: Complaining about a branch of an insurance company, you can make a complaint to the head office of the insurance company, and call the customer service contact number to reflect the appeal;

6. If the negotiation with the insurance company fails, the amount involved is relatively large and the evidence is conclusive, the court can file a lawsuit and complain to the insurance company to ensure their legitimate rights and interests. Reminder: If you encounter problems, you can negotiate with the insurance company first, and then complain if the negotiation fails.

Expansion information: “12378” is a direct channel to the highest insurance supervision. The 12378 hotlines were opened by the China Banking and Insurance Regulatory Commission in April 2012. It is the first of its kind in the entire financial supervision system. Last year alone, the number of complaints reached 93,719, an average of several hundred per day.

The China Insurance Regulatory quarter. There are specific assessment requirements: if the requirements are not met, the insurance service rating will be downgraded, or even the supervision will be interviewed.

Where is the most effective way to complain to an insurance company 3

There are three main ways to file a complaint with an insurance company:

1. Complain to the China Banking and Insurance Regulatory Commission.

The China Banking and Insurance Regulatory Commission has opened a national unified rights protection hotline 12378 for insurance consumers (or mailing complaint materials to the China Banking and Insurance Regulatory Commission), and its main function is to accept complaints from insurance consumers. If we can provide strong evidence to prove that the insurance company has indeed violated its rights and interests, the China Banking and Insurance Regulatory Commission will assist us in safeguarding our rights after receiving the complaint and passing the review. The China Banking and Insurance Regulatory Commission has issued a warning to insurance companies and will talk to them if it is serious.

In particular, the CBIRC will not accept the following cases.

(1) The complaint shall not be accepted if the complaint is not filed by the insurance consumer himself or the insurance consumer’s trustee. Insurance consumers are the policyholders, insureds, beneficiaries, and policy owners of insurance.

(2) For a complaint that has already been accepted, the insurance consumer will not accept the same complaint again within the processing period without new facts and reasons.

(3) The complaint handling decision has been made, and the same complaint is filed again without new facts and reasons. If the same complaint filed again has new facts and reasons and needs to be verified, it will be combined for processing, but the processing time limit will start again.

(4) Complaints related to insurance consumption, but not the responsibility of the CIRC, will not be accepted but will be transferred to relevant units for handling.

(5) If it is not related to insurance consumption, nor is it the responsibility of the China Insurance Regulatory Commission, it will not be accepted.

2. Complaint to the insurance company (headquarters).

If you encounter misleading sales by a salesman, you can complain directly to the insurance company you are in. You can make a complaint by phone, WeChat public account, official website, or official APP, or you can go to the insurance company’s outlet to file a complaint. Generally, you only need to make sure that the salesperson does exist. In this case, the insurance company will deal with it promptly.

3. Complain to the insurance association.

The Insurance Association of China referred to as the China Insurance Association is a national self-regulatory organization for the Chinese insurance industry that has been reviewed and unified by the China Banking and Insurance Regulatory Commission and registered with the national civil affairs department. The organization can coordinate the relationship between members and insurance consumers, and safeguard the rights and interests of insurance consumers.

Related posts

Is Pet Insurance Worth It? The big question | Hospital

rashidguestpost

Watch Pinoy TV Shows Online Here

modapk

How to Buy a Laptop on EMI with a Debit Card?

Suruchi Pandey

Leave a Comment