About insurance integrity Thoughts
Abstract；Credibility is the threat of insurance the insurance industry and even the survival of the Government of the integrity and good faith an important factor in society; the principle of good faith are important principles of insurance business, insurance honesty requires, first of all the insurance people to do the utmost good faith, utmost good faith is the insurer's code of ethics; honest policyholders are and the insured person's basic legal norms and normative acts; to set up mutual trust between the parties insurance mechanisms, to promote positive interaction.
Key Words；Integrity Insurance;Principle of good faith;Insurers
1.Honesty insurance insurance industry are a threat to the survival of society and even the Government's integrity and credibility of important factors
Insurance faith society are an important component of good faith, insurance credibility theory are for both, but would like to emphasize the credibility of the insurance industry.
At present, the part of insurance companies and insurance staff has seriously affected the credibility of the insurance industry's image and healthy development. It can be said that the impact of the growth of the insurance industry, first of all, instead of insurance product innovation, not the insurance provisions of Overlord, but insurance bad faith. Insurance bad faith greatly suppress the potential of insurance demand, hindered the potential of insurance demand into real demand for insurance. Although the total number of Chinese GDP, insurance depth, insurance density indicators, China's insurance is a question of gold digging, but the development of chaos chaos
Mining a very serious problem, insurance resources have been destroyed, and the excavation itself in recent years showing a slowing momentum. More strongly worded and that the problem has already threatened the integrity of the foundation of the insurance industry. In the eyes of ordinary people, and now the insurance industry's poor reputation, some people even insurance marketing and pyramid schemes equate. If they are allowed to affect the integrity of the phenomenon of insurance continues, the survival of the insurance industry itself will be challenged. Cut open the surface of prosperity, the insurance industry crisis-ridden. If you do not enhance the credibility of the insurance industry, the survival of the industry as a whole will be destroyed the foundation of a solar eclipse, the insurance itself will cease to exist.
The insurance industry itself is also attached to the human kind of the natural characteristics of messenger. And if a so-called angel kind of people always bring loss, doubt, deception and loss, it would be on individuals and the whole society the positive values and belief system shaken. The long run, will not only lack of good faith, but missing the whole community of faith and confusion. If the mutual distrust between people always take precautions, people can not find the correct orientation of belief, and that He set up a harmonious society to talk about this day.
Credibility is the lifeblood of the insurance industry, honesty is not only the impact of development of the insurance industry's problem, but also affect the insurance industry of the future plans exist. Insurance or social integrity and credibility of good faith an important factor in the Government. It relates to the Government's image and social stability and harmony of the society set up. We should start from the survival of a sense of crisis to understand the integrity of insurance. Only in this way from the ideology and behavior is a real emphasis on the integrity of insurance.
2.Insurance principle of good faith of the people first of all, ask the insurer to the utmost good faith
Generally speaking, the insurance requirements of good faith insurance Mingcheng parties and trustworthy, the principle of good faith are insurance activities should comply with the basic principles. In the insurance activities, it is neither possible to require all of the insured are or will become an insurance expert, but also can not require insurance coverage of people of all objects have a very thorough and meticulous, which is insurance information asymmetry. As a result of this information asymmetry, in the insurance activities of the parties to determine risk are dependent on each other's truthfully inform or description, of any party to concealment or fraud, it might lead to misjudgments suffer . This shows that the degree of integrity of insurance is of particular importance, therefore the principle of good faith in insurance has "the utmost good faith" principle is known.
Because of the professionalism of the insurance industry, and many jargon terms, and insurance contracts and products, often by insurance companies, "production", the insurance people will naturally share a number of natural advantages. In this way, the first principle of good faith by requiring insurers to honest and trustworthy, and should be the highest degree of honesty and trustworthiness. To "the masses" do, "cadres" would be the first to do so but also to do the best. Insurance must be objective, not only people on the utmost good faith, but also should be of utmost good faith subjective. The principle of utmost good faith should be the insurer's code of ethics, and insurance should be people of integrity are the highest standards of integrity and realm. Insurance requirements of their own people should be idealism and perfectionism. This requires that the insurance people to do in the following areas:
At this, the insurance people should carry out this obligation and not just unlimited asked this, if in fact the subject of risk and insurance status of the relevant facts are truthfully inform obligations. All matters relating to insurance, the terms and terminology and so must be honest to tell or explain to the policyholder, but also to be made known to all, attitude. Both comprehensive and profound, but also in the interpretation of insurance policies as much as possible so that popularization popularization or, in some easily lead to ambiguity and controversy should be the terms on which the Notes, some very crucial elements such as the surrender losses have highlighted should be. In the insurance publicity to seek truth from facts, not exaggerated, not only said good side, but deliberately ignored in favor of the insured and the insurer's side. Unfortunately, the current insurance legislation simply provides truthfully inform the insured obligations and the breach of this obligation should be the responsibility of the person without the provisions of the insurance obligation to truthfully inform as well as failure to fulfill this obligation shall bear legal responsibilities. This may be the insurance people are of the utmost good faith to truthfully inform one of the reasons why not pay enough attention to it. Trust after the Insurance Act in this regard will make some amendments.
The performance of the contract in the insurance process, to actively assist the insured and the insured person do a good job of safety precautions to avoid or reduce the damage happened. Insurance people would like to remind policyholders to pay premiums in a timely manner. The delay in unpaid premiums, and the reminder to take the necessary measures and grace. At the accident or insurance policy to meet the terms agreed, the insurance people should be in accordance with the contractual agreement to carry out the compensation in full and on time payments or obligations, to minimize the loss of the insured person.
3.Principle of good faith of the customers are a basic legal norms and normative act
Although the insurance principle of good faith principle is a two-way, but because of insurance professionals, as well as limited time and energy policy holders or the ability to understand the causes, often at the understanding of insurance information to identify and access at a disadvantage, there is deviation. Most policyholders are often unable to accurately inform should not also, non-should not do so. May be insured and the insured person in good faith insurance people want to "talk" but do not know what to say. So even though they want to maximize the subjective good faith, but the subjective good faith with the largest insurer of the greatest satisfaction there is still a certain gap in the utmost good faith. So in terms of customers, do the utmost good faith has a certain "technical" difficulty. If we add some policyholders and the insured person's subjective attitude problem, then the insurance people to achieve the satisfaction of the utmost good faith is almost impossible. Based on this, insurance on the insured person and the insured person should be realistic, rather than idealism and perfectionism, the policyholder can only request information relative integrity and the relative satisfaction with the results. Legislation in countries such as insurance for the insured and the insured person truthfully informed, many of which are asked to adopt this form of legislation. General insurance policyholders only person the subject of insurance the insured person or the situation of inquiry truthfully informed that the insurance people are not asked about the situation, no need to inform the insured. .
Therefore, insurers must focus on how to achieve the most basic insured or guaranteed the integrity efforts. Provisions in the insurance policy is designed to closely co-ordinated, clear and understandable as possible, to enable customers to express their real information, to be able to facilitate the
customers to express their real information; in insurance, underwriting, claims survey on various aspect enough to set up to ensure that all relevant customer information true of certain rules and mechanisms.
4.Set up a mechanism of mutual trust, promote positive interaction
On the current insurance on the insured person's attitude, it is filled with a certain degree of mistrust. Lot of insurance from the terms of the contract of insurance can be seen in person such an attitude. Insurance policyholders will be people always worry about adverse selection and moral hazard, always worried that they may not accurately informed. Therefore, the terms of U.S. policy as anti-theft door, like the design, but also continuously upgrade the system to plug the loopholes. The current U.S. insurance law will also be insured as the treatment of criminal suspects, and only on the policyholder fails to fulfill obligations to truthfully inform the punitive provisions, no person on the relevant provisions of the insurance, which required the insured to bear the legal consequences of punitive formed in sharp contrast. This is legislative injustice and inequality.
On the current insurance on the insured person's attitude, it is filled with a certain degree of mistrust. Lot of insurance from the terms of the contract of insurance can be seen in person such an attitude. Insurance policyholders will be people always worry about adverse selection and moral hazard, always worried that they may not accurately informed. Therefore, the terms of U.S. policy as anti-theft door, like the design, but also continuously upgrade the system to plug the loopholes. The current U.S. insurance law will also be insured as the treatment of criminal suspects, and only on the policyholder fails to fulfill obligations to truthfully inform the punitive provisions, no person on the relevant provisions of the insurance, which required the insured
to bear the legal consequences of punitive formed in sharp contrast. This is legislative injustice and inequality.
Therefore, the parties set up the insurance mechanism for mutual trust, promote positive interaction between the two sides is particularly important. People from the insurance point of view, the insurer must set aside, should not condescending, shop big bully owners to market economy, equal subjects of identity and relations with clients; to establish a sustainable scientific development concept, put an end to short-term benefits and partial benefits of interference; insurance people to reduce their own misleading of the customer to eliminate misunderstanding; set up a good external public relations, to customers through multiple channels and communication.