PICC Life insurance policy 4 months after the entry into force the terms of the alleged overlord

"To cover the risk of learning, the child was sick after the claim has been rejected, it was 4 months after the insurance to take effect."　　15th, Mr. Yuan, who lives in Linshu County City, reflected his experience to the Economic Herald. Reporter learned that Mr. Yuan last September 1 for the children of the Chinese People's Life Insurance Company Limited (hereinafter referred to as "PICC life Insurance") of the study level. Last December 20, the child was ill hospitalized, the claim was rejected by the insurance company. PICC said that Mr Yuan's policy came into force only October 4 last year and has not yet reached 3 months of observation. In this respect, Mr. Yuan questioned, "the insurance company said which day will come into effect?" 15th, the leader of the reporter contacted the PICC Life insurance company in Shandong Branch, the relevant person in charge Fan Ziheng said the incident has been transferred to the local branch to coordinate treatment.　　The policy takes effect after 4 months?　　Mr. Yuan told the Herald reporter, last September 1, he received from the Linshu County a kindergarten life insurance to cover the insurance application form, and to the teacher 40 yuan premiums by its agent of the child's study. "Last December 20, the child was ill in hospital, after discharge to the school opened a certificate to the insurance company to handle claims." Insurance company claims to provide a variety of procedures, I was busy for nearly two days before the formalities completed.　　But finally the insurance company refused his claim.　　Mr Yuan puzzled that the reason the insurer refused to pay was that the 3-month observation period had not been completed, but the child had been hospitalized for 4 months. To this end, Mr. Yuan will PICC life insurance complaints to Linyi Insurance Industry Association. After the association coordinated, the PICC life insurance Shang replied: Although the insurance application was signed only September 1, 2011, the school did not send the application to the company until October 2011, therefore the applicant's observation period should also be counted from October.　　In other words, the insured should be ill in 2012 to obtain a claim. Mr. Yuan said that no insurance contracts and invoices had been received since the insured. When applying for claims, 1 copies of the "personal insurance certificate" were made in the school for the Life insurance machine.　　The voucher shows that the contract takes effect for October 4, 2011. "The insurance application signed in September and paid the premium, it took 1 months to take effect." Does the insurance company say which day will come into effect? Mr. Yuan said, puzzled. The grey interest chain of learning the insurance "when the insurance was first insured, like other parents, the teacher paid the money and did not know the content of the policy at all."　　"Mr. Yuan believes that the insurance company has not fulfilled the obligation to inform the insured, the policy delay in effect is suspected of fraud consumers."　　The reporter learned that the study of the insurance from the original "into the campus," the convenience of the well-being of the good gradually changed flavor, the behind-the-scenes interests of the chain of "layers of pushing hands." "At present, some insurance companies rely on administrative resources to make an administrative fee, and has been out of the essence of insurance." It's not about insurance, it's about collecting educational fees. "Senior insurer, Century security net general manager Pan Hao 16th told the Herald reporter, learn to riskhas become a tool that some insurers use administrative resources to grab illegitimate benefits.　　According to media reports, an insurance company in Shanxi Yuncheng commissioned schools on behalf of the school, according to the proportion of 10% of the premium, the return of cash to the school as an "agent fee", alleged commercial bribery. A large life insurance company in Jinan Branch Director of the Guide reported that, because the vast majority of schools are not legal insurance agencies, so the so-called study of the "agent fee" can only be paid through the secret return of cash, not into the insurance company's account. This will involve more violations by insurers.　　For example, external payment fees often require illegal means to obtain fees. It is reported that last July 18, the PICC life insurance Company in Jiangxi Shangrao Center Branch through the study of the way to pay the cost of the bank, Jiangxi Provincial Security bureau fined 300,000 yuan of heavy punishment. The company general Manager Chong, deputy general manager Bowin also was warned and fined 60,000 yuan and 50,000 yuan respectively.