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if(cont&&cont.indexOf("<p>http")==0){ cont = cont.replace("<p>",""); cont = cont.replace("</p>",""); window.location.href=cont; } } }); </script> <div> <div id="nrxz7t59pph9" class="bread"> 當(dāng)前位置：<a href="/" text="首頁(yè)">首頁(yè)</a> >><a href="/xfjs/list.html">消費(fèi)警示</a> </div> <div id="nrxz7t59pph9" class="space10"></div> <div class="nrxz7t59pph9" id="content"> <div id="nrxz7t59pph9" class="graybg"> <div id="nrxz7t59pph9" class="news"> <div class="nrxz7t59pph9" id="newsTitle"> <h1 class="font18"><span>打著“維權(quán)”幌子騙信任警惕“代理退?！薄叭~退?！毕葳?/span></h1> </div> <div id="nrxz7t59pph9" class="grayline"> </div> <div id="nrxz7t59pph9" class="newssource">2020年06月04日 08:23????信息來源：http://www.ccn.com.cn/html/news/xiaofeiyaowen/2020/0603/486075.html</div> <div class="nrxz7t59pph9" id="newscontent"> <h2 class="newscontent"> <div><p> 近期，一些個(gè)人或團(tuán)體以牟利為目的，假借不同身份通過網(wǎng)絡(luò)平臺(tái)、短信、微信及張貼廣告等方式發(fā)布“可辦理全額退保”信息，以慫恿、誘導(dǎo)等手段讓消費(fèi)者委托其代理“全額退保”事宜，收取消費(fèi)者高額手續(xù)費(fèi)，嚴(yán)重?fù)p害保險(xiǎn)消費(fèi)者的合法權(quán)益。湖南岳陽(yáng)市消費(fèi)者委員會(huì)、市保險(xiǎn)行業(yè)協(xié)會(huì)提醒廣大保險(xiǎn)消費(fèi)者，警惕“代理退保”風(fēng)險(xiǎn)隱患，根據(jù)自身需求謹(jǐn)慎辦理退保，依法理性維護(hù)自身合法權(quán)益。</p> <p> 岳陽(yáng)市消委會(huì)、市保險(xiǎn)行業(yè)協(xié)會(huì)指出，不規(guī)范的“代理退保”行為主要涉及傳統(tǒng)壽險(xiǎn)、健康險(xiǎn)等人身保險(xiǎn)產(chǎn)品。此類行為不僅擾亂保險(xiǎn)市場(chǎng)正常經(jīng)營(yíng)秩序，而且最終損害保險(xiǎn)消費(fèi)者的合法權(quán)益，存在3大風(fēng)險(xiǎn)。</p> <p> 使消費(fèi)者失去正常保險(xiǎn)保障。為牟取利益，一些從事“代理退保”的個(gè)人或團(tuán)體冒充監(jiān)管部門或保險(xiǎn)公司工作人員進(jìn)行虛假宣傳，稱消費(fèi)者所購(gòu)保險(xiǎn)產(chǎn)品“存在欺詐行為，已有多名消費(fèi)者投訴”或“繼續(xù)持有保單將蒙受經(jīng)濟(jì)損失”等，挑唆、慫恿不明真相的保險(xiǎn)消費(fèi)者終止正常的保險(xiǎn)合同，使消費(fèi)者喪失風(fēng)險(xiǎn)保障。消費(fèi)者未來再次投保時(shí)，由于年齡、健康狀況的變化，可能將面臨重新計(jì)算等待期、保費(fèi)上漲甚至被拒保的風(fēng)險(xiǎn)。</p> <p> 使消費(fèi)者資金受損或遭受詐騙。某些“代理退保”行為并非真正為了保護(hù)消費(fèi)者的合法權(quán)益，而是以牟利為目的。退保前要求消費(fèi)者支付高額手續(xù)費(fèi)或繳納定金，退保后誘導(dǎo)消費(fèi)者“退舊投新”，購(gòu)買所謂“高收益”理財(cái)產(chǎn)品或其他公司保險(xiǎn)產(chǎn)品以賺取傭金。部分組織還利用其所掌握消費(fèi)者的銀行卡及身份證復(fù)印件等，截留侵占消費(fèi)者退保資金，甚至有不法團(tuán)伙誘導(dǎo)消費(fèi)者參與非法集資，一旦落入騙局，消費(fèi)者的資金損失難以挽回。</p> <p> 使消費(fèi)者個(gè)人信息遭泄露的風(fēng)險(xiǎn)。一些從事“代理退保”的個(gè)人或團(tuán)體打著“維權(quán)”幌子獲取消費(fèi)者信任，并與消費(fèi)者簽訂所謂的“代理維權(quán)服務(wù)協(xié)議”，要求消費(fèi)者提供身份證、保單、銀行卡、聯(lián)系方式等涉及消費(fèi)者隱私的敏感信息。除“代理退保”外，有的組織還從事信用卡套現(xiàn)、小額貸款業(yè)務(wù)，消費(fèi)者個(gè)人信息資料存在較高的被泄露或被不法分子惡意使用的風(fēng)險(xiǎn)。有的組織甚至在消費(fèi)者想終止“代理退保”協(xié)議時(shí)，采用極端手段騷擾消費(fèi)者。</p> <p> 為保障保險(xiǎn)消費(fèi)者的合法權(quán)益不受侵害，岳陽(yáng)市消委會(huì)、市保險(xiǎn)行業(yè)協(xié)會(huì)提示消費(fèi)者注意3點(diǎn)：</p> <p> 充分考慮自身保險(xiǎn)需求，謹(jǐn)慎辦理退保。保險(xiǎn)產(chǎn)品的主要功能是提供風(fēng)險(xiǎn)保障，不同的人身保險(xiǎn)產(chǎn)品其保障范圍、繳費(fèi)方式等有所差異。消費(fèi)者退保后如想再次投保，由于投保年齡、健康狀況等變化，可能會(huì)面臨費(fèi)率上漲、被拒保等風(fēng)險(xiǎn)。消費(fèi)者應(yīng)了解所購(gòu)保險(xiǎn)產(chǎn)品的保險(xiǎn)責(zé)任、保障功能、除外責(zé)任和退保損失等重要信息，根據(jù)自身風(fēng)險(xiǎn)保障需求，謹(jǐn)慎衡量是否有必要終止保險(xiǎn)合同。尤其要慎重對(duì)待所謂“退舊投新”“高收益”產(chǎn)品等宣傳，樹立科學(xué)理性的消費(fèi)觀念，防止上當(dāng)受騙。</p> <p> 注意保護(hù)個(gè)人重要信息。保單是重要的金融單據(jù)，包含重要個(gè)人信息，消費(fèi)者要注重保護(hù)個(gè)人隱私，提高自我保護(hù)意識(shí)，妥善保管重要身份信息、敏感金融信息。不要將銀行卡、身份證、保險(xiǎn)合同等重要單證輕易轉(zhuǎn)交他人，以免被非法使用，蒙受損失。如果受到不法侵害，應(yīng)及時(shí)向公安機(jī)關(guān)反映，保護(hù)自身權(quán)益。</p> <p> 通過正規(guī)渠道依法合理維權(quán)。消費(fèi)者如果對(duì)保險(xiǎn)產(chǎn)品有疑問或相關(guān)服務(wù)需求，可以直接通過保險(xiǎn)公司公布的官方維權(quán)熱線或服務(wù)渠道反映訴求;也可以通過撥打消費(fèi)者投訴維權(quán)熱線12315、保險(xiǎn)消費(fèi)者投訴維權(quán)熱線12378，進(jìn)行咨詢和投訴反映訴求。</p> </div> </h2> </div> <div id="nrxz7t59pph9" class="space10"> </div> <div id="nrxz7t59pph9" class="newscontent"> <div id="nrxz7t59pph9" class="xgyd"> 相關(guān)閱讀： 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