平安人寿青岛分公司:普及金融知识 树立理性消费观念
一年一度的平安“3•15”银行业保险业消费者权益保护教育宣传周活动如约而至,平安人寿青岛分公司积极响应监管号召,人寿融知通过开展保险知识普及活动,青岛帮助消费者获取保险知识、分公费观提高防范风险的司普识树技能,引导消费者合理选择保险产品和服务。及金
保险的立理种类很多,购买保险产品时不仅要关注自身需求,性消更要看清不同保险产品的平安“购买须知”。 平安人寿青岛分公司借本次活动契机普及保险知识,人寿融知帮助金融消费者在购买保险擦亮眼睛,青岛保护个人的分公费观合法权益。
关注点1:理性看待产品收益
对于万能险、司普识树投连险、及金分红险等人身保险新型产品领域,立理这类新型产品都不保证收益率,所有演示的收益率都基于以前的业绩水平,实际收益水平并不是固定的;且根据银保监会规定利率的演示是分为高、中、低三档的,不能只简单说一种。
消费者在购买这类保险产品时,一定要认真阅读投保提示书产品说明书,并且还要明白保险的主要功能在于保障而不是投资,要理性看待保险与储蓄的区别。
关注点2:仔细查阅保险条款内容
《保险法》规定,保险公司在销售产品时应履行明确说明义务,对责任免除条款要做出足以引起消费者重视的标志。消费者在购买保险时一定要仔细查阅保险条款内容,尤其是明确自己所投保险的保险责任以及除外责任,避免出现不必要的纠纷。同时消费者应积极利用保险公司回访和犹豫期的权利,仔细询问与研读,一旦发现产品不适合自己,在犹豫期内退保可以免除损失。
关注点3:履行如实告知义务
保险合同遵循最大诚信原则。消费者在购买保险产品时,需如实告知身体健康状况及既往病史,这是《保险法》规定的保险消费者的义务。投保人如果不如实告知病史,那么出险时既得不到保险保障,甚至如果出现故意不如实告知的情况,保险人有权解除保险合同。所以,消费者一定要充分认识到如实告知的重要性和不如实告的严重性。
平安人寿青岛分公司始终坚持客户导向,维护保险消费者合法权益,帮助金融消费者和投资者理性选择适合自己的金融产品和服务,引导金融消费者正确使用金融服务,培育良好的金融消费生态环境。
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