has paid insurance premiums for two years, and this year he wanted to withdraw the insurance, but he "paid" the insurance premiums unintentionally, which made Mr. Zhang, who lives in Xingping, dumbfounded.
Consumer: Want to withdraw the insurance, but "pay" the premium again
On January 27, Mr. Zhang reported to Huashang Daily -Er Sanli Information that in November 2019, he worked for Huaxia Life Insurance Co., Ltd. I bought an insurance by myself, and the insurance name is Huaxia Evergreen (multiple version 2.0) major epidemic disease insurance, Kangping accident insurance and other 7 kinds of insurance. Among them, Huaxia Evergreen Insurance has a lifelong insurance period and a payment period of 20 1 year, each premium is 4885 yuan, the other 6 kinds of insurance period are all 1 year, 3 kinds of payment periods are one-time payment, 3 kinds of payment periods are 1 year, and the premiums range from 13 yuan to 810 yuan , 7 types of insurance totaling more than 6,300 yuan. In December 2020, Mr. Zhang paid another premium, which was the same as the 6,300 yuan he paid in 2019.
On November 28 and December 1, 2021, Mr. Zhang received payment reminders from Huaxia Insurance . The amount payable was more than 7,100 yuan. , I thought about canceling the insurance, and there was no money in the bank card that just paid the insurance premium, so I didn’t pay this year’s premium,” Mr. Zhang said.
On January 8, 2022, Mr. Zhang received a renewal call from a staff member surnamed Song of Huaxia Insurance, "He told me that it was time to pay the insurance premium, so I told him that I would withdraw the insurance this year, and I never cared about it again. Because I thought about the insurance, I refunded it," Mr. Zhang said. Until January 25, Mr. Zhang received the money transferred from his friend on the bank card he paid for. "The money was transferred at about 4 o'clock in the afternoon. It took less than half an hour for the insurance company to transfer the premium," Mr. Zhang said. . After that, Mr. Zhang began to negotiate with the insurance company about surrendering the policy.
Mr. Zhang told reporters that on January 26, he went to the insurance company in Xingping to deal with the matter. The staff surnamed Wei handled the matter for him according to the normal surrender process, and finally told him that he could refund more than 1,400 yuan. Mr. Zhang received the 1,400 yuan. "I can't accept this result. The premiums for the first two years can be processed according to the normal process, but this year's premiums, I said I would surrender the insurance, but the premiums were still deducted," Mr. Zhang said.
The staff of the insurance company: If the customer wants to withdraw the insurance, he will be informed of the relevant matters
On the morning of January 27, a staff member surnamed Wei of the insurance company said that Mr. Zhang’s service staff is not her, and the specific situation is not very clear, so she follows The routine process handles this matter for Mr. Zhang. The staff of Wei told reporters that before the policy expires, the staff will call the customer to remind the customer to pay the premium. If the customer wants to withdraw the policy, they will understand the reason, and after confirming that the customer wants to withdraw the policy, they will remind the customer not to pay the premium Deposit money on the card or hang up the order, and handle the formalities for the customer in advance.
On the afternoon of January 27, a staff member surnamed Song of the insurance company said that since Mr. Zhang had his contact information, he should call Mr. Zhang to remind him of the renewal of the insurance, and said that if Mr. Zhang said he wanted to withdraw the insurance, he would Tell Mr. Zhang about surrendering the policy.
Xianyang Banking and Insurance Regulatory Bureau: It is recommended that the two parties negotiate and handle the matter according to the contract
Subsequently, the reporter contacted the Consumer Rights Protection Section of the Xianyang Supervision Branch of the China Banking and Insurance Regulatory Commission, and its relevant staff responded that if the two parties have no relevant evidence to prove Whether the staff of the insurance company has notified the customer of the cancellation of the insurance, it is recommended that the two parties negotiate and deal with the matter according to the contract.
Lawyer: Both parties should try their best to negotiate
Senior partner of Shaanxi Hengda Law Firm and well-known public interest lawyer Zhao Liangshan believes that: Mr. Zhang and the salesman of the insurance company disagree on the claim that Mr. Zhang asked to withdraw the insurance before renewal , according to the principle of " who advocates who must provide proof ", if Mr. Zhang cannot provide evidence to prove that he has told the salesman of the insurance company to surrender the insurance, it will be detrimental to Mr. Zhang. This year's fee.
Zhao Liangshan said that, on the contrary, if Mr. Zhang has evidence to prove that he has informed the salesman of the insurance company to withdraw the insurance, because the salesman of the insurance company is obliged to inform Mr. Zhang about the procedures for surrendering the insurance, if the salesman of the insurance company has no evidence to prove that he has Informed Mr. Zhang that he needs to go through the relevant procedures for withdrawing the insuranceIf Mr. Zhang fails to go through the surrender procedure and deduct fees due to the matter, the insurance company shall bear the liability arising therefrom, that is, the insurance company shall refund the expenses for this year. Conversely, if the salesman of the insurance company has evidence to prove that he has informed Mr. Zhang that he needs to go through the relevant procedures for surrendering the insurance, but Mr. Zhang fails to go through the surrender procedures and the fee is deducted, Mr. Zhang will be responsible for the resulting liability, that is, the insurance company There are no refunds for this year's fees.
Zhao Liangshan suggested that the insurance company should negotiate with Mr. Zhang as much as possible. If the negotiation fails, Mr. Zhang can appeal to the court for fair judgment.
China Business Daily reporter Yang Ning editor Niu Peiyao
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