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浮云终日行游子久不至天生我材必有用千金散尽还复来T8UyS破锹栈翱己

2018年9月3日，山东省东营市广饶县医疗保障局接到举报称：崔某在与李某吃饭期间，故意烫伤李某，之后崔某丈夫蒋某在为李某办理住院手续时故意向医院隐瞒李某受伤经过，一手操作李某居民医保报销手续，崔某丈夫蒋某其行为构成诈骗罪，要求严厉打击蒋某的犯罪行为。接到举报后，县人社局迅速调阅李某就诊病历和报销材料， 相关资料显示如下：2016年5月31日晚8点，李某、前夫徐某和崔某及其丈夫蒋某等在烧烤店一起吃饭。用餐期间，因债务纠纷，李某被崔某用火锅底料汤泼伤，后被送到县二级医院治疗。入院病历上显示：患者于半小时前被他人用火锅底料汤烫伤，伤处为右肩背部及右大腿，在县二级医院住院期间的费用未进行居民医保报销。同年6月2日晚，李某转入市三级医院继续治疗，入院病历上显示：患者于2天前不慎被热液烫伤液烫伤右肩及双下肢，6月9日办理出院时，该院为其联网报销医疗费3108.13元。在报销资料中《市基本医疗保险外伤等特殊情况住院告知单》中否认存在“责任方事故”。以上材料均由李某亲笔签字确认。       针对上述两份诊断书上的不同，县人社局分别约谈了李某并走访了事发地火锅店，向相关人员了解当时地情况并进行了笔录存证。经调查核实后，县人社局于2018年9月17日对李某作出《责令改正指令书》，要求李某于15日内将违规报销金额3108.13元退回医保专户。2019年4月1日，李某以其“在住院告知单等材料上签名时没有看到上面的内容为由”对《责令改正指令书》不服，向县人民法院提起行政诉讼。因机构改革职能移交，由县医疗保障局应诉。县人民法院于2019年5月28日开庭审理认定：李某因烫伤在市三级医院住院存在第三方责任，证据确凿，责令李某将相应款项退回，驳回了原告李某的诉讼请求。上述案例是李某前夫借打击欺诈骗保之名义来达到个人“报复”目的的一场闹剧，但其实质也是一起典型的存在第三方责任的外伤骗保案例，引发我们对破解和防范欺诈骗保尤其是外伤骗保问题的深入思考：第一，增强参保人欺诈骗保的“红线”意识，筑牢基金安全的首道“防线”。由于不少参保者将医疗保险看做一种储蓄，认为参保了就要从中获利，甚至认为那都是国家的钱，不拿白不拿。从本案来看，李某在病历和告知单中签字确认，误导医院为其联网结算，充分体现了其对自身骗保行为的“无知”“无畏”。在医疗保险已经实现全民覆盖的背景下，增强参保人守护医保基金安全的意识十分必要。对此，一要真正增加欺诈骗保成本，加快完善对欺诈骗保的惩戒措施，让骗保者寸步难行；二广泛宣传，形成“打击骗保 人人有责”的共同理念，促使全体参保人谨守欺诈骗保“红线”，从根本上筑牢维护医保基金安全的首要“防线”。第二，加快基金监管体制机制创新，为有效维护基金安全开出“良方”。        随着医疗保障全民覆盖面地增大和水平的不断提高，欺诈骗保现象层出不穷，骗保手段不断翻新、性质愈加恶劣。本案中，参保人第二次住院之所以能通过医保报销，在很大程度上与除外伤骗保调查取证困难、繁琐，各医疗机构之间病历等信息不共享，稽核人员不足、缺少专业化的监管执法队伍，缺乏规范统一的工作标准和核查措施等有很大关系。从此点上说，一方面，建议从国家层面，自上而下成立专门的医保监督执法专业队伍，成立专业化监管执法队伍，配备临床医学、计算机、财务、法律等专业人员，对省、市、县、乡医保人员垂直管理，建立维护医保基金安全的“铁军”。另一方面可考虑通过政府招标采购服务的方式，探索委托由具备资质的商业公司来承担稽核业务。 （来源：中国医疗保险）

<img src="http://luntan.eunisson.com/uploadfiles/images/64/20190808/103233_oWhToX.jpg" alt="Image"><p><p style="margin-bottom: 16px; max-width: 100%; clear: both; min-height: 1em; font-family: -apple-system-font, BlinkMacSystemFont, &quot;Helvetica Neue&quot;, &quot;PingFang SC&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei UI&quot;, &quot;Microsoft YaHei&quot;, Arial, sans-serif; font-variant-numeric: normal; font-variant-east-asian: normal; widows: 1; color: rgb(68, 68, 68); line-height: 1.75em; text-indent: 2em; letter-spacing: 0.5px; font-size: 16px; overflow-wrap: break-word !important;"><span style="max-width: 100%; overflow-wrap: break-word !important;">纵观近期发生的几起重大保险欺诈案件，它们存在诸多的相同点，如投保人皆熟悉保险知识，了解保险合同的免责条款，都存在利用保险合同骗取保费的主观动机。</span></p><p style="margin-bottom: 16px; max-width: 100%; clear: both; min-height: 1em; font-family: -apple-system-font, BlinkMacSystemFont, &quot;Helvetica Neue&quot;, &quot;PingFang SC&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei UI&quot;, &quot;Microsoft YaHei&quot;, Arial, sans-serif; font-variant-numeric: normal; font-variant-east-asian: normal; widows: 1; color: rgb(68, 68, 68); line-height: 1.75em; text-indent: 2em; letter-spacing: 0.5px; font-size: 16px; overflow-wrap: break-word !important;"><span style="max-width: 100%; overflow-wrap: break-word !important;">在“普吉岛杀妻案”、“佛山男子杀妻骗保”两起案件中，</span><span style="max-width: 100%; overflow-wrap: break-word !important;">投保人更是早有预谋，企图通过杀人来谋财，最终只能锒铛入狱。</span><span style="max-width: 100%; overflow-wrap: break-word !important;">虽然案件</span><span style="max-width: 100%; overflow-wrap: break-word !important;">当事人受到法律的制裁是自作自受，但家破人亡的结局却令每个人都感觉不到轻松。</span><br style="max-width: 100%; overflow-wrap: break-word !important;"></p><p style="margin-bottom: 16px; max-width: 100%; clear: both; min-height: 1em; font-family: -apple-system-font, BlinkMacSystemFont, &quot;Helvetica Neue&quot;, &quot;PingFang SC&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei UI&quot;, &quot;Microsoft YaHei&quot;, Arial, sans-serif; font-variant-numeric: normal; font-variant-east-asian: normal; widows: 1; color: rgb(68, 68, 68); line-height: 1.75em; text-indent: 2em; letter-spacing: 0.5px; font-size: 16px; overflow-wrap: break-word !important;"><span style="max-width: 100%; overflow-wrap: break-word !important;">面对这样的惨剧，唯有加大对于保险欺诈行为的打击力度，提升其违法成本，才能最大程度上震慑心怀不轨之人，降低保险欺诈案发生概率。但从目前来看，要想减少保险欺诈，又是如此艰难，下面我们穿过这些纷繁复杂的表象来层层揭开保险欺诈背后的真相。</span></p><p style="max-width: 100%; clear: both; min-height: 1em; font-family: -apple-system-font, BlinkMacSystemFont, &quot;Helvetica Neue&quot;, &quot;PingFang SC&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei UI&quot;, &quot;Microsoft YaHei&quot;, Arial, sans-serif; font-size: 17px; font-variant-numeric: normal; font-variant-east-asian: normal; letter-spacing: 0.544px; line-height: 27.2px; widows: 1; text-align: center; background-color: rgb(255, 255, 255); overflow-wrap: break-word !important;"><img src="http://luntan.eunisson.com/uploadfiles/images/64/20190808/103233_MCSDWP.jpg" alt="Image"><br></p><p style="margin-bottom: 16px; max-width: 100%; clear: both; min-height: 1em; font-family: -apple-system-font, BlinkMacSystemFont, &quot;Helvetica Neue&quot;, &quot;PingFang SC&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei UI&quot;, &quot;Microsoft YaHei&quot;, Arial, sans-serif; font-variant-numeric: normal; font-variant-east-asian: normal; widows: 1; color: rgb(68, 68, 68); line-height: 1.75em; text-indent: 2em; letter-spacing: 0.5px; font-size: 16px; overflow-wrap: break-word !important;"><em style="max-width: 100%; overflow-wrap: break-word !important;"><strong style="max-width: 100%; overflow-wrap: break-word !important;">01、<span style="max-width: 100%; overflow-wrap: break-word !important;">保险欺诈几乎无法避免</span></strong></em></p><p style="margin-bottom: 16px; max-width: 100%; clear: both; min-height: 1em; font-family: -apple-system-font, BlinkMacSystemFont, &quot;Helvetica Neue&quot;, &quot;PingFang SC&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei UI&quot;, &quot;Microsoft YaHei&quot;, Arial, sans-serif; font-variant-numeric: normal; font-variant-east-asian: normal; widows: 1; color: rgb(68, 68, 68); line-height: 1.75em; text-indent: 2em; letter-spacing: 0.5px; font-size: 16px; overflow-wrap: break-word !important;"><span style="max-width: 100%; overflow-wrap: break-word !important;">何为"保险欺诈"?按照一般的理解，保险欺诈仅指保险金诈骗类欺诈行为，主要包括故意虚构保险标的，骗取保险金;编造未曾发生的保险事故、编造虚假的事故原因或者夸大损失程度，骗取保险金，故意造成保险事故，骗取保险金的行为等。</span><br style="max-width: 100%; overflow-wrap: break-word !important;"></p><p style="margin-bottom: 16px; max-width: 100%; clear: both; min-height: 1em; font-family: -apple-system-font, BlinkMacSystemFont, &quot;Helvetica Neue&quot;, &quot;PingFang SC&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei UI&quot;, &quot;Microsoft YaHei&quot;, Arial, sans-serif; font-variant-numeric: normal; font-variant-east-asian: normal; widows: 1; color: rgb(68, 68, 68); line-height: 1.75em; text-indent: 2em; letter-spacing: 0.5px; font-size: 16px; overflow-wrap: break-word !important;"><span style="max-width: 100%; overflow-wrap: break-word !important;">当然上述只是狭义上的概念，从广义的角度来看，保险欺诈涵盖甚广，基本是无法避免的。从世界范围内来看，保险欺诈与保险市场的发展始终如影随形，</span><span style="max-width: 100%; overflow-wrap: break-word !important;">据有关报道，即便是保险业发达的美国，保险欺诈犯罪的数量也一度仅次于毒品犯罪。</span></p><p style="margin-bottom: 16px; max-width: 100%; clear: both; min-height: 1em; font-family: -apple-system-font, BlinkMacSystemFont, &quot;Helvetica Neue&quot;, &quot;PingFang SC&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei UI&quot;, &quot;Microsoft YaHei&quot;, Arial, sans-serif; font-variant-numeric: normal; font-variant-east-asian: normal; widows: 1; color: rgb(68, 68, 68); line-height: 1.75em; text-indent: 2em; letter-spacing: 0.5px; font-size: 16px; overflow-wrap: break-word !important;"><em style="max-width: 100%; overflow-wrap: break-word !important;"><strong style="max-width: 100%; overflow-wrap: break-word !important;"><span style="max-width: 100%; overflow-wrap: break-word !important;">02、造成的损失呈不断上升趋势</span></strong></em></p><p style="margin-bottom: 16px; max-width: 100%; clear: both; min-height: 1em; font-family: -apple-system-font, BlinkMacSystemFont, &quot;Helvetica Neue&quot;, &quot;PingFang SC&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei UI&quot;, &quot;Microsoft YaHei&quot;, Arial, sans-serif; font-variant-numeric: normal; font-variant-east-asian: normal; widows: 1; color: rgb(68, 68, 68); line-height: 1.75em; text-indent: 2em; letter-spacing: 0.5px; font-size: 16px; overflow-wrap: break-word !important;"><span style="max-width: 100%; overflow-wrap: break-word !important;">保险欺诈所造成的费用损失就始终在保险业的赔款中占据着一定比例。有关资料显示，国际保险业务的欺诈损失平均在10%-30%左右，而在我国，随着保险业的发展的不断成熟，保险公司业务范围不断扩大，保险欺诈活动也大量增加。从全国范围看，在20世纪80年代末期，诈骗犯罪中涉及保险欺诈的仅占2%左右，直到2005年已上升至10%左右。</span></p><p style="margin-bottom: 16px; max-width: 100%; clear: both; min-height: 1em; font-family: -apple-system-font, BlinkMacSystemFont, &quot;Helvetica Neue&quot;, &quot;PingFang SC&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei UI&quot;, &quot;Microsoft YaHei&quot;, Arial, sans-serif; font-variant-numeric: normal; font-variant-east-asian: normal; widows: 1; color: rgb(68, 68, 68); line-height: 1.75em; text-indent: 2em; letter-spacing: 0.5px; font-size: 16px; overflow-wrap: break-word !important;"><em style="max-width: 100%; overflow-wrap: break-word !important;"><strong style="max-width: 100%; overflow-wrap: break-word !important;"><span style="max-width: 100%; overflow-wrap: break-word !important;">03、损失的数额巨大</span></strong></em></p><p style="margin-bottom: 16px; max-width: 100%; clear: both; min-height: 1em; font-family: -apple-system-font, BlinkMacSystemFont, &quot;Helvetica Neue&quot;, &quot;PingFang SC&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei UI&quot;, &quot;Microsoft YaHei&quot;, Arial, sans-serif; font-variant-numeric: normal; font-variant-east-asian: normal; widows: 1; color: rgb(68, 68, 68); line-height: 1.75em; text-indent: 2em; letter-spacing: 0.5px; font-size: 16px; overflow-wrap: break-word !important;">有关数据显示，保险欺诈对我国保险行业造成的损失是巨大的，目前<span style="max-width: 100%; overflow-wrap: break-word !important;">已成为保险风险管控形势最严峻的领域之一。</span><span style="max-width: 100%; overflow-wrap: break-word !important;">有文章称，中国人保财险2018年稽查减损的总金额超过了80亿元，根据中国人保财险的市场份额推算，全行业的稽查减损总净额应该不低于200亿元，但这只是被查明的部分。</span></p><p style="margin-bottom: 16px; max-width: 100%; clear: both; min-height: 1em; font-family: -apple-system-font, BlinkMacSystemFont, &quot;Helvetica Neue&quot;, &quot;PingFang SC&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei UI&quot;, &quot;Microsoft YaHei&quot;, Arial, sans-serif; font-variant-numeric: normal; font-variant-east-asian: normal; widows: 1; color: rgb(68, 68, 68); line-height: 1.75em; text-indent: 2em; letter-spacing: 0.5px; font-size: 16px; overflow-wrap: break-word !important;"><span style="max-width: 100%; overflow-wrap: break-word !important;">以地方为例，陕西省保险行业协会仅2018年上半年接到各保险公司会员单位报送的涉嫌保险欺诈案件就达到了1419件，涉案总额8971.69万余元。<span neue="neue" sc="sc" gb="gb" ui="ui" normal="normal" none="none" px="px" helvetica="helvetica" sans="sans" yahei="yahei" left="left" style="max-width: 100%; display: inline; float: none; overflow-wrap: break-word !important;">2015年以来</span>，<span neue="neue" sc="sc" gb="gb" ui="ui" normal="normal" none="none" px="px" helvetica="helvetica" sans="sans" yahei="yahei" left="left" style="max-width: 100%; float: none; overflow-wrap: break-word !important; display: inline !important;">安徽省仅各级公安机关立案查处的保险诈骗犯罪案件就有322起，破案219起，抓获犯罪嫌疑人243名，涉案金额近4000万元。</span></span></p><p style="max-width: 100%; clear: both; min-height: 1em; font-family: -apple-system-font, BlinkMacSystemFont, &quot;Helvetica Neue&quot;, &quot;PingFang SC&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei UI&quot;, &quot;Microsoft YaHei&quot;, Arial, sans-serif; font-size: 17px; font-variant-numeric: normal; font-variant-east-asian: normal; letter-spacing: 0.544px; line-height: 27.2px; widows: 1; text-align: center; background-color: rgb(255, 255, 255); overflow-wrap: break-word !important;"><img src="http://luntan.eunisson.com/uploadfiles/images/64/20190808/103233_MBwdWm.jpg" alt="Image"><br style="max-width: 100%; overflow-wrap: break-word !important;"></p><p style="margin-bottom: 16px; max-width: 100%; clear: both; min-height: 1em; font-family: -apple-system-font, BlinkMacSystemFont, &quot;Helvetica Neue&quot;, &quot;PingFang SC&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei UI&quot;, &quot;Microsoft YaHei&quot;, Arial, sans-serif; font-variant-numeric: normal; font-variant-east-asian: normal; widows: 1; color: rgb(68, 68, 68); line-height: 1.75em; text-indent: 2em; letter-spacing: 0.5px; font-size: 16px; overflow-wrap: break-word !important;"><em style="max-width: 100%; overflow-wrap: break-word !important;"><strong style="max-width: 100%; overflow-wrap: break-word !important;">04<span style="max-width: 100%; overflow-wrap: break-word !important;">、车险欺诈占比最高</span></strong></em></p><p style="margin-bottom: 16px; max-width: 100%; clear: both; min-height: 1em; font-family: -apple-system-font, BlinkMacSystemFont, &quot;Helvetica Neue&quot;, &quot;PingFang SC&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei UI&quot;, &quot;Microsoft YaHei&quot;, Arial, sans-serif; font-variant-numeric: normal; font-variant-east-asian: normal; widows: 1; color: rgb(68, 68, 68); line-height: 1.75em; text-indent: 2em; letter-spacing: 0.5px; font-size: 16px; overflow-wrap: break-word !important;"><span style="max-width: 100%; overflow-wrap: break-word !important;">保险欺诈被喻为保险业无声的巨灾，而车险欺诈又被称为这巨灾中的大敌，在所有的保险欺诈案中占比最高。北京市石景山区检察院近期公布的数据统计显示，车险欺诈在全国保险欺诈发案数量中占比高达80%。</span></p><p style="margin-bottom: 16px; max-width: 100%; clear: both; min-height: 1em; font-family: -apple-system-font, BlinkMacSystemFont, &quot;Helvetica Neue&quot;, &quot;PingFang SC&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei UI&quot;, &quot;Microsoft YaHei&quot;, Arial, sans-serif; font-variant-numeric: normal; font-variant-east-asian: normal; widows: 1; color: rgb(68, 68, 68); line-height: 1.75em; text-indent: 2em; letter-spacing: 0.5px; font-size: 16px; overflow-wrap: break-word !important;"><span style="max-width: 100%; overflow-wrap: break-word !important;">车险欺诈占比高与车险欺诈自身的特点有密切关系，因为车险欺诈主体的多元化，<span neue="neue" sc="sc" gb="gb" ui="ui" normal="normal" none="none" px="px" helvetica="helvetica" sans="sans" yahei="yahei" left="left" style="max-width: 100%; float: none; overflow-wrap: break-word !important; display: inline !important;">不仅包括保险人、被保险人，还包括相关的第三方，</span>再加上获利空间较大、操作相对较方便、出险频率很高及风险很难事先预防等特点，都给欺诈者留下很大的发挥空间。</span></p><p style="margin-bottom: 16px; max-width: 100%; clear: both; min-height: 1em; font-family: -apple-system-font, BlinkMacSystemFont, &quot;Helvetica Neue&quot;, &quot;PingFang SC&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei UI&quot;, &quot;Microsoft YaHei&quot;, Arial, sans-serif; font-variant-numeric: normal; font-variant-east-asian: normal; widows: 1; color: rgb(68, 68, 68); line-height: 1.75em; text-indent: 2em; letter-spacing: 0.5px; font-size: 16px; overflow-wrap: break-word !important;"><em style="max-width: 100%; overflow-wrap: break-word !important;"><strong style="max-width: 100%; overflow-wrap: break-word !important;">05<span style="max-width: 100%; overflow-wrap: break-word !important;">、日益呈现团伙化、专业化和职业化特征</span></strong></em></p><p style="margin-bottom: 16px; max-width: 100%; clear: both; min-height: 1em; font-family: -apple-system-font, BlinkMacSystemFont, &quot;Helvetica Neue&quot;, &quot;PingFang SC&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei UI&quot;, &quot;Microsoft YaHei&quot;, Arial, sans-serif; font-variant-numeric: normal; font-variant-east-asian: normal; widows: 1; color: rgb(68, 68, 68); line-height: 1.75em; text-indent: 2em; letter-spacing: 0.5px; font-size: 16px; overflow-wrap: break-word !important;"><span style="max-width: 100%; overflow-wrap: break-word !important;">近年来，保险欺诈日益呈现出团伙化、专业化和职业化特征。以车险为例，北京市石景山区检察院的消息显示，自2014年7月至2017年7月，北京市所有进入刑事程序的车险欺诈案件共115件，涉案181人，</span><span style="max-width: 100%; overflow-wrap: break-word !important;">其中有51%的人都是熟悉汽车行业的专业人士，包括投保人、修理厂工作人员、保险中介代理、保险公司定损员、公估员等。</span></p><p style="margin-bottom: 16px; max-width: 100%; clear: both; min-height: 1em; font-family: -apple-system-font, BlinkMacSystemFont, &quot;Helvetica Neue&quot;, &quot;PingFang SC&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei UI&quot;, &quot;Microsoft YaHei&quot;, Arial, sans-serif; font-variant-numeric: normal; font-variant-east-asian: normal; widows: 1; color: rgb(68, 68, 68); line-height: 1.75em; text-indent: 2em; letter-spacing: 0.5px; font-size: 16px; overflow-wrap: break-word !important;"><span style="max-width: 100%; overflow-wrap: break-word !important;">他们团伙作案、跨区域作案趋势明显，存在复杂的利益链条。</span><span style="max-width: 100%; overflow-wrap: break-word !important;">" 日防夜防，家贼难防"，当个别保险公司内部人员或利益链条当中的人员加入到保险欺诈的队伍中来，无疑大大增加了保险公司、司法部门的反欺诈难度。</span></p><p style="margin-bottom: 16px; max-width: 100%; clear: both; min-height: 1em; font-family: -apple-system-font, BlinkMacSystemFont, &quot;Helvetica Neue&quot;, &quot;PingFang SC&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei UI&quot;, &quot;Microsoft YaHei&quot;, Arial, sans-serif; font-variant-numeric: normal; font-variant-east-asian: normal; widows: 1; color: rgb(68, 68, 68); line-height: 1.75em; text-indent: 2em; letter-spacing: 0.5px; font-size: 16px; overflow-wrap: break-word !important;"><em style="max-width: 100%; overflow-wrap: break-word !important;"><strong style="max-width: 100%; overflow-wrap: break-word !important;">06<span style="max-width: 100%; overflow-wrap: break-word !important;">、贯穿保险经营各个环节</span></strong></em></p><p style="margin-bottom: 16px; max-width: 100%; clear: both; min-height: 1em; font-family: -apple-system-font, BlinkMacSystemFont, &quot;Helvetica Neue&quot;, &quot;PingFang SC&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei UI&quot;, &quot;Microsoft YaHei&quot;, Arial, sans-serif; font-variant-numeric: normal; font-variant-east-asian: normal; widows: 1; color: rgb(68, 68, 68); line-height: 1.75em; text-indent: 2em; letter-spacing: 0.5px; font-size: 16px; overflow-wrap: break-word !important;"><span style="max-width: 100%; overflow-wrap: break-word !important;">保险欺诈不仅无法避免，而且无处不在，防不胜防。</span></p><p style="margin-bottom: 16px; max-width: 100%; clear: both; min-height: 1em; font-family: -apple-system-font, BlinkMacSystemFont, &quot;Helvetica Neue&quot;, &quot;PingFang SC&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei UI&quot;, &quot;Microsoft YaHei&quot;, Arial, sans-serif; font-variant-numeric: normal; font-variant-east-asian: normal; widows: 1; color: rgb(68, 68, 68); line-height: 1.75em; text-indent: 2em; letter-spacing: 0.5px; font-size: 16px; overflow-wrap: break-word !important;"><span style="max-width: 100%; overflow-wrap: break-word !important;">第一类是投保时诈骗，主要包括先出险再保险骗赔，高额投保骗赔，重复投保、一险多赔骗赔，隐情投保骗赔，无标的空投保骗赔等形式。</span></p><p style="margin-bottom: 16px; max-width: 100%; clear: both; min-height: 1em; font-family: -apple-system-font, BlinkMacSystemFont, &quot;Helvetica Neue&quot;, &quot;PingFang SC&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei UI&quot;, &quot;Microsoft YaHei&quot;, Arial, sans-serif; font-variant-numeric: normal; font-variant-east-asian: normal; widows: 1; color: rgb(68, 68, 68); line-height: 1.75em; text-indent: 2em; letter-spacing: 0.5px; font-size: 16px; overflow-wrap: break-word !important;"><span style="max-width: 100%; overflow-wrap: break-word !important;">第二类是出险报案时欺诈，主要有张冠李戴式骗赔、制造事故、假险骗赔、虚报原因、扩大责任骗赔等。</span></p><p style="margin-bottom: 16px; max-width: 100%; clear: both; min-height: 1em; font-family: -apple-system-font, BlinkMacSystemFont, &quot;Helvetica Neue&quot;, &quot;PingFang SC&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei UI&quot;, &quot;Microsoft YaHei&quot;, Arial, sans-serif; font-variant-numeric: normal; font-variant-east-asian: normal; widows: 1; color: rgb(68, 68, 68); line-height: 1.75em; text-indent: 2em; letter-spacing: 0.5px; font-size: 16px; overflow-wrap: break-word !important;"><span style="max-width: 100%; overflow-wrap: break-word !important;">第三类是索赔时欺诈，主要表现在单证材料的伪造涂改上，包括夸大损失、低险高赔、伪造事故、谎报出险等。</span></p><p style="margin-bottom: 16px; max-width: 100%; clear: both; min-height: 1em; font-family: -apple-system-font, BlinkMacSystemFont, &quot;Helvetica Neue&quot;, &quot;PingFang SC&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei UI&quot;, &quot;Microsoft YaHei&quot;, Arial, sans-serif; font-variant-numeric: normal; font-variant-east-asian: normal; widows: 1; color: rgb(68, 68, 68); line-height: 1.75em; text-indent: 2em; letter-spacing: 0.5px; font-size: 16px; overflow-wrap: break-word !important;"><em style="max-width: 100%; overflow-wrap: break-word !important;"><strong style="max-width: 100%; overflow-wrap: break-word !important;">07<span style="max-width: 100%; overflow-wrap: break-word !important;">、监管力度不断强化</span></strong></em></p><p style="margin-bottom: 16px; max-width: 100%; clear: both; min-height: 1em; font-family: -apple-system-font, BlinkMacSystemFont, &quot;Helvetica Neue&quot;, &quot;PingFang SC&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei UI&quot;, &quot;Microsoft YaHei&quot;, Arial, sans-serif; font-variant-numeric: normal; font-variant-east-asian: normal; widows: 1; color: rgb(68, 68, 68); line-height: 1.75em; text-indent: 2em; letter-spacing: 0.5px; font-size: 16px; overflow-wrap: break-word !important;"><span style="max-width: 100%; overflow-wrap: break-word !important;">一直以来监管不断强化保险欺诈打击力度:</span></p><p style="margin-bottom: 16px; max-width: 100%; clear: both; min-height: 1em; font-family: -apple-system-font, BlinkMacSystemFont, &quot;Helvetica Neue&quot;, &quot;PingFang SC&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei UI&quot;, &quot;Microsoft YaHei&quot;, Arial, sans-serif; font-variant-numeric: normal; font-variant-east-asian: normal; widows: 1; color: rgb(68, 68, 68); line-height: 1.75em; text-indent: 2em; letter-spacing: 0.5px; font-size: 16px; overflow-wrap: break-word !important;"><span style="max-width: 100%; overflow-wrap: break-word !important;">2012年8月6日，原保监会印发《关于加强反保险欺诈工作的指导意见》，指出了加强反保险欺诈工作的重要意义，从健全反欺诈制度体系、强化监管机制、提高欺诈风险管理能力、建立行业反欺诈合作平台、构建反欺诈长效机制等方面对反保险欺诈工作进行了总体部署。</span></p><p style="margin-bottom: 16px; max-width: 100%; clear: both; min-height: 1em; font-family: -apple-system-font, BlinkMacSystemFont, &quot;Helvetica Neue&quot;, &quot;PingFang SC&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei UI&quot;, &quot;Microsoft YaHei&quot;, Arial, sans-serif; font-variant-numeric: normal; font-variant-east-asian: normal; widows: 1; color: rgb(68, 68, 68); line-height: 1.75em; text-indent: 2em; letter-spacing: 0.5px; font-size: 16px; overflow-wrap: break-word !important;"><span style="max-width: 100%; overflow-wrap: break-word !important;">2013 年 7 月，中国保监会印发《关于进一步做好车险反欺诈工作的通知》，部署开展车险反欺诈风险专项行动。</span></p><p style="margin-bottom: 16px; max-width: 100%; clear: both; min-height: 1em; font-family: -apple-system-font, BlinkMacSystemFont, &quot;Helvetica Neue&quot;, &quot;PingFang SC&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei UI&quot;, &quot;Microsoft YaHei&quot;, Arial, sans-serif; font-variant-numeric: normal; font-variant-east-asian: normal; widows: 1; color: rgb(68, 68, 68); line-height: 1.75em; text-indent: 2em; letter-spacing: 0.5px; font-size: 16px; overflow-wrap: break-word !important;"><span style="max-width: 100%; overflow-wrap: break-word !important;">2018年2月11日，中国保监会又印发了《反保险欺诈指引》，将保险机构欺诈风险管理的制度体系与组织架构、欺诈风险识别、评估与应对、反欺诈行业协作等上升到制度层面。</span></p><p style="margin-bottom: 16px; max-width: 100%; clear: both; min-height: 1em; font-family: -apple-system-font, BlinkMacSystemFont, &quot;Helvetica Neue&quot;, &quot;PingFang SC&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei UI&quot;, &quot;Microsoft YaHei&quot;, Arial, sans-serif; font-variant-numeric: normal; font-variant-east-asian: normal; widows: 1; color: rgb(68, 68, 68); line-height: 1.75em; text-indent: 2em; letter-spacing: 0.5px; font-size: 16px; overflow-wrap: break-word !important;"><em style="max-width: 100%; overflow-wrap: break-word !important;"><strong style="max-width: 100%; overflow-wrap: break-word !important;">08<span style="max-width: 100%; overflow-wrap: break-word !important;">、新技术被广泛应用</span></strong></em></p><p style="margin-bottom: 16px; max-width: 100%; clear: both; min-height: 1em; font-family: -apple-system-font, BlinkMacSystemFont, &quot;Helvetica Neue&quot;, &quot;PingFang SC&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei UI&quot;, &quot;Microsoft YaHei&quot;, Arial, sans-serif; font-variant-numeric: normal; font-variant-east-asian: normal; widows: 1; color: rgb(68, 68, 68); line-height: 1.75em; text-indent: 2em; letter-spacing: 0.5px; font-size: 16px; overflow-wrap: break-word !important;"><span style="max-width: 100%; overflow-wrap: break-word !important;">随着技术的发展，包括人工智能、大数据等在内的新兴技术开始被广泛应用于反保险欺诈工作中。</span><span style="max-width: 100%; overflow-wrap: break-word !important;">中国保信发布的数据称，全国车险反欺诈信息系统自2016年11月28日上线以来，截至2017年12月底，累计助力保险公司有效止损1.17亿元。</span></p><p style="margin-bottom: 16px; max-width: 100%; clear: both; min-height: 1em; font-family: -apple-system-font, BlinkMacSystemFont, &quot;Helvetica Neue&quot;, &quot;PingFang SC&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei UI&quot;, &quot;Microsoft YaHei&quot;, Arial, sans-serif; font-variant-numeric: normal; font-variant-east-asian: normal; widows: 1; color: rgb(68, 68, 68); line-height: 1.75em; text-indent: 2em; letter-spacing: 0.5px; font-size: 16px; overflow-wrap: break-word !important;"><span style="max-width: 100%; overflow-wrap: break-word !important;">中国保信还于2017年4月启动了向辽宁、陕西等6地区保监局提供跨险种人伤欺诈、车辆及人伤碰瓷职业团伙欺诈等主题线索的工作，共提供疑似欺诈案件4.08万笔、涉案金额2.91亿元，公安部门共立案251起、涉案金额2692.8万元，挽回了损失、打击了保险欺诈团伙。</span></p><p style="margin-bottom: 16px; max-width: 100%; clear: both; min-height: 1em; font-family: -apple-system-font, BlinkMacSystemFont, &quot;Helvetica Neue&quot;, &quot;PingFang SC&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei UI&quot;, &quot;Microsoft YaHei&quot;, Arial, sans-serif; font-variant-numeric: normal; font-variant-east-asian: normal; widows: 1; color: rgb(68, 68, 68); line-height: 1.75em; text-indent: 2em; letter-spacing: 0.5px; font-size: 16px; overflow-wrap: break-word !important;"><span style="max-width: 100%; overflow-wrap: break-word !important;">保险不停，欺诈不止，反保险欺诈的路永远没有尽头，但越来越多新技术的应用又让我们看到了新的希望，但愿惨剧再也不会发生。</span></p><p style="margin-bottom: 16px; max-width: 100%; clear: both; min-height: 1em; font-family: -apple-system-font, BlinkMacSystemFont, &quot;Helvetica Neue&quot;, &quot;PingFang SC&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei UI&quot;, &quot;Microsoft YaHei&quot;, Arial, sans-serif; font-variant-numeric: normal; font-variant-east-asian: normal; widows: 1; text-align: right; color: rgb(68, 68, 68); line-height: 1.75em; text-indent: 2em; letter-spacing: 0.5px; font-size: 16px; overflow-wrap: break-word !important;"><span style="max-width: 100%; overflow-wrap: break-word !important;"><span neue="neue" sc="sc" gb="gb" ui="ui" normal="normal" none="none" px="px" helvetica="helvetica" sans="sans" yahei="yahei" right="right" style="max-width: 100%; float: none; overflow-wrap: break-word !important; display: inline !important;">（文章来源：金融界）</span></span></p><p style="text-align: center; margin-bottom: 16px; max-width: 100%; clear: both; min-height: 1em; font-family: -apple-system-font, BlinkMacSystemFont, &quot;Helvetica Neue&quot;, &quot;PingFang SC&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei UI&quot;, &quot;Microsoft YaHei&quot;, Arial, sans-serif; font-variant-numeric: normal; font-variant-east-asian: normal; widows: 1; color: rgb(68, 68, 68); line-height: 1.75em; text-indent: 2em; letter-spacing: 0.5px; font-size: 16px; overflow-wrap: break-word !important;"><span style="max-width: 100%; overflow-wrap: break-word !important;"><span neue="neue" sc="sc" gb="gb" ui="ui" normal="normal" none="none" px="px" helvetica="helvetica" sans="sans" yahei="yahei" right="right" style="max-width: 100%; float: none; overflow-wrap: break-word !important; display: inline !important;"><img src="http://luntan.eunisson.com/uploadfiles/images/64/20190808/103233_4ggiBe.jpg" alt="Image"><img src="http://luntan.eunisson.com/uploadfiles/images/64/20190808/103233_MBwdWm.jpg" alt="Image" style="color: rgb(51, 51, 51);"><br></span></span></p></p>

<p style="max-width: 100%; clear: both; min-height: 1em; font-family: -apple-system-font, BlinkMacSystemFont, &quot;Helvetica Neue&quot;, &quot;PingFang SC&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei UI&quot;, &quot;Microsoft YaHei&quot;, Arial, sans-serif; font-size: 17px; font-variant-numeric: normal; font-variant-east-asian: normal; letter-spacing: 0.544px; line-height: 27.2px; widows: 1; text-indent: 2em; background-color: rgb(255, 255, 255); overflow-wrap: break-word !important;"><span style="max-width: 100%; font-size: 16px; overflow-wrap: break-word !important;"><img src="http://luntan.eunisson.com/uploadfiles/images/64/20190808/102841_rKNMqL.jpg" alt="Image"><br></span></p><p style="max-width: 100%; clear: both; min-height: 1em; font-family: -apple-system-font, BlinkMacSystemFont, &quot;Helvetica Neue&quot;, &quot;PingFang SC&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei UI&quot;, &quot;Microsoft YaHei&quot;, Arial, sans-serif; font-size: 17px; font-variant-numeric: normal; font-variant-east-asian: normal; letter-spacing: 0.544px; line-height: 27.2px; widows: 1; text-indent: 2em; background-color: rgb(255, 255, 255); overflow-wrap: break-word !important;"><span style="max-width: 100%; font-size: 16px; overflow-wrap: break-word !important;">随着人民生活水平的不断提高，保险正走进千家万户。保险产品种类繁多，不仅能“以防万一”，有些还能孳息生利，保障理财两不误。不过，近年来出现不少保险消费的“坑”，让很多投保者叫苦不迭。</span></p><p neue="neue" sc="sc" gb="gb" px="px" helvetica="helvetica" sans="sans" yahei="yahei" wenquanyi="wenquanyi" hei="hei" micro="micro" pingfang="pingfang" hiragino="hiragino" microsoft="microsoft" arial="arial" sans-serif="sans-serif" transparent="transparent" style="margin-top: 16px; margin-bottom: 16px; max-width: 100%; clear: both; min-height: 1em; font-family: -apple-system-font, BlinkMacSystemFont, &quot;Helvetica Neue&quot;, &quot;PingFang SC&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei UI&quot;, &quot;Microsoft YaHei&quot;, Arial, sans-serif; font-size: 17px; font-variant-numeric: normal; font-variant-east-asian: normal; line-height: 27.2px; color: rgb(34, 34, 34); text-indent: 2em; overflow-wrap: break-word !important;"><span style="max-width: 100%; font-size: 16px; overflow-wrap: break-word !important;">那么如何绕开保险市场的“套路”，放心投保呢？近日，中国银保监会消费者权益保护局根据近一段时期以来查处的案件，发布6类常见的侵害保险消费者合法权益的典型案例，提示保险消费风险。</span></p><p neue="neue" sc="sc" gb="gb" ui="ui" none="none" normal="normal" px="px" helvetica="helvetica" sans="sans" yahei="yahei" pingfang="pingfang" hiragino="hiragino" microsoft="microsoft" arial="arial" sans-serif="sans-serif" center="center" rgb="rgb" initial="initial" style="text-align: center; max-width: 100%; clear: both; min-height: 1em; font-family: -apple-system-font, BlinkMacSystemFont, &quot;Helvetica Neue&quot;, &quot;PingFang SC&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei UI&quot;, &quot;Microsoft YaHei&quot;, Arial, sans-serif; font-size: 17px; font-variant-numeric: normal; font-variant-east-asian: normal; letter-spacing: 0.544px; line-height: 27.2px; widows: 1; background-color: rgb(255, 255, 255); overflow-wrap: break-word !important;"><img src="http://luntan.eunisson.com/uploadfiles/images/64/20190808/102855_1qnone.jpg" alt="Image"><br></p><p neue="neue" sc="sc" gb="gb" px="px" helvetica="helvetica" sans="sans" yahei="yahei" wenquanyi="wenquanyi" hei="hei" micro="micro" pingfang="pingfang" hiragino="hiragino" microsoft="microsoft" arial="arial" sans-serif="sans-serif" transparent="transparent" style="margin-top: 16px; margin-bottom: 16px; max-width: 100%; clear: both; min-height: 1em; font-family: -apple-system-font, BlinkMacSystemFont, &quot;Helvetica Neue&quot;, &quot;PingFang SC&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei UI&quot;, &quot;Microsoft YaHei&quot;, Arial, sans-serif; font-size: 17px; font-variant-numeric: normal; font-variant-east-asian: normal; line-height: 27.2px; color: rgb(34, 34, 34); text-indent: 2em; overflow-wrap: break-word !important;"><em style="max-width: 100%; overflow-wrap: break-word !important;"><span style="max-width: 100%; font-size: 18px; overflow-wrap: break-word !important;"><span style="max-width: 100%; font-weight: 700; -webkit-tap-highlight-color: transparent; overflow-wrap: break-word !important;">01、个人信息要收好，</span><span style="max-width: 100%; font-weight: 700; -webkit-tap-highlight-color: transparent; overflow-wrap: break-word !important;">防止他人去骗保</span></span></em></p><p neue="neue" sc="sc" gb="gb" px="px" helvetica="helvetica" sans="sans" yahei="yahei" wenquanyi="wenquanyi" hei="hei" micro="micro" pingfang="pingfang" hiragino="hiragino" microsoft="microsoft" arial="arial" sans-serif="sans-serif" transparent="transparent" style="margin-top: 16px; margin-bottom: 16px; max-width: 100%; clear: both; min-height: 1em; font-family: -apple-system-font, BlinkMacSystemFont, &quot;Helvetica Neue&quot;, &quot;PingFang SC&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei UI&quot;, &quot;Microsoft YaHei&quot;, Arial, sans-serif; font-size: 17px; font-variant-numeric: normal; font-variant-east-asian: normal; line-height: 27.2px; color: rgb(34, 34, 34); text-indent: 2em; overflow-wrap: break-word !important;"><span style="max-width: 100%; font-size: 16px; overflow-wrap: break-word !important;"><span style="max-width: 100%; font-weight: 700; -webkit-tap-highlight-color: transparent; overflow-wrap: break-word !important;">案例一</span>:</span></p><p neue="neue" sc="sc" gb="gb" px="px" helvetica="helvetica" sans="sans" yahei="yahei" wenquanyi="wenquanyi" hei="hei" micro="micro" pingfang="pingfang" hiragino="hiragino" microsoft="microsoft" arial="arial" sans-serif="sans-serif" transparent="transparent" style="margin-top: 16px; margin-bottom: 16px; max-width: 100%; clear: both; min-height: 1em; font-family: -apple-system-font, BlinkMacSystemFont, &quot;Helvetica Neue&quot;, &quot;PingFang SC&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei UI&quot;, &quot;Microsoft YaHei&quot;, Arial, sans-serif; font-size: 17px; font-variant-numeric: normal; font-variant-east-asian: normal; line-height: 27.2px; color: rgb(34, 34, 34); text-indent: 2em; overflow-wrap: break-word !important;"><span style="max-width: 100%; font-size: 16px; overflow-wrap: break-word !important;">某汽车修理厂利用投保车辆制造假赔案，使用车主身份证开设银行账户，向保险公司骗取保险金1万余元。</span></p><p neue="neue" sc="sc" gb="gb" px="px" helvetica="helvetica" sans="sans" yahei="yahei" wenquanyi="wenquanyi" hei="hei" micro="micro" pingfang="pingfang" hiragino="hiragino" microsoft="microsoft" arial="arial" sans-serif="sans-serif" transparent="transparent" style="margin-top: 16px; margin-bottom: 16px; max-width: 100%; clear: both; min-height: 1em; font-family: -apple-system-font, BlinkMacSystemFont, &quot;Helvetica Neue&quot;, &quot;PingFang SC&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei UI&quot;, &quot;Microsoft YaHei&quot;, Arial, sans-serif; font-size: 17px; font-variant-numeric: normal; font-variant-east-asian: normal; line-height: 27.2px; color: rgb(34, 34, 34); text-indent: 2em; overflow-wrap: break-word !important;"><span style="max-width: 100%; font-size: 16px; overflow-wrap: break-word !important;"><span style="max-width: 100%; font-weight: 700; -webkit-tap-highlight-color: transparent; overflow-wrap: break-word !important;">监管提示</span>:</span></p><p neue="neue" sc="sc" gb="gb" px="px" helvetica="helvetica" sans="sans" yahei="yahei" wenquanyi="wenquanyi" hei="hei" micro="micro" pingfang="pingfang" hiragino="hiragino" microsoft="microsoft" arial="arial" sans-serif="sans-serif" transparent="transparent" style="margin-top: 16px; margin-bottom: 16px; max-width: 100%; clear: both; min-height: 1em; font-family: -apple-system-font, BlinkMacSystemFont, &quot;Helvetica Neue&quot;, &quot;PingFang SC&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei UI&quot;, &quot;Microsoft YaHei&quot;, Arial, sans-serif; font-size: 17px; font-variant-numeric: normal; font-variant-east-asian: normal; line-height: 27.2px; color: rgb(34, 34, 34); text-indent: 2em; overflow-wrap: break-word !important;"><span style="max-width: 100%; font-size: 16px; overflow-wrap: break-word !important;">有些车主送修车辆时，为图方便将身份证、行驶证、驾驶证、保险单等资料交由汽修单位代为索赔。而对方正是利用这一点，制造虚假事故实施诈骗，侵害了保险消费者权益的同时，也给保险市场秩序带来危害。</span></p><p neue="neue" sc="sc" gb="gb" px="px" helvetica="helvetica" sans="sans" yahei="yahei" wenquanyi="wenquanyi" hei="hei" micro="micro" pingfang="pingfang" hiragino="hiragino" microsoft="microsoft" arial="arial" sans-serif="sans-serif" transparent="transparent" style="margin-top: 16px; margin-bottom: 16px; max-width: 100%; clear: both; min-height: 1em; font-family: -apple-system-font, BlinkMacSystemFont, &quot;Helvetica Neue&quot;, &quot;PingFang SC&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei UI&quot;, &quot;Microsoft YaHei&quot;, Arial, sans-serif; font-size: 17px; font-variant-numeric: normal; font-variant-east-asian: normal; line-height: 27.2px; color: rgb(34, 34, 34); text-indent: 2em; overflow-wrap: break-word !important;"><span style="max-width: 100%; font-size: 16px; overflow-wrap: break-word !important;">建议保险消费者尽量减少代办理赔，确需委托他人代办理赔时，应亲笔签署授权委托书，确认授权范围和有效期，不要轻易将证件原件交与他人；提供证件复印件时，注明使用范围、有效期等。车辆理赔结案后，还应及时查询理赔记录，核对出险次数及赔款金额是否与实际情况一致，发现异常要及时联系保险机构进行核实。如发现相关人员利用你的信息骗保，应协同保险机构向公安机关报案。</span></p><p style="max-width: 100%; clear: both; min-height: 1em; font-family: -apple-system-font, BlinkMacSystemFont, &quot;Helvetica Neue&quot;, &quot;PingFang SC&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei UI&quot;, &quot;Microsoft YaHei&quot;, Arial, sans-serif; font-size: 17px; font-variant-numeric: normal; font-variant-east-asian: normal; letter-spacing: 0.544px; line-height: 27.2px; text-align: justify; widows: 1; text-indent: 2em; background-color: rgb(255, 255, 255); overflow-wrap: break-word !important;"><span style="max-width: 100%; font-size: 16px; overflow-wrap: break-word !important;"><strong style="max-width: 100%; overflow-wrap: break-word !important;">点评：</strong></span></p><p neue="neue" sc="sc" gb="gb" px="px" helvetica="helvetica" sans="sans" yahei="yahei" wenquanyi="wenquanyi" hei="hei" micro="micro" pingfang="pingfang" hiragino="hiragino" microsoft="microsoft" arial="arial" sans-serif="sans-serif" transparent="transparent" style="margin-top: 16px; margin-bottom: 16px; max-width: 100%; clear: both; min-height: 1em; font-family: -apple-system-font, BlinkMacSystemFont, &quot;Helvetica Neue&quot;, &quot;PingFang SC&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei UI&quot;, &quot;Microsoft YaHei&quot;, Arial, sans-serif; font-size: 17px; font-variant-numeric: normal; font-variant-east-asian: normal; line-height: 27.2px; color: rgb(34, 34, 34); text-indent: 2em; overflow-wrap: break-word !important;"><span style="max-width: 100%; font-size: 16px; overflow-wrap: break-word !important;">拿你的身份证去骗保，就算汽修厂老板是你朋友也不行！骗保损害个人诚信记录，这个是要付出代价的。把重要个人证件随意交由他人使用，会导致“诚信”随意透支,将来在社会上可能寸步难行。</span><br style="max-width: 100%; overflow-wrap: break-word !important;"></p><p neue="neue" sc="sc" gb="gb" ui="ui" none="none" normal="normal" px="px" helvetica="helvetica" sans="sans" yahei="yahei" pingfang="pingfang" hiragino="hiragino" microsoft="microsoft" arial="arial" sans-serif="sans-serif" center="center" rgb="rgb" initial="initial" em="em" style="text-align: center; max-width: 100%; clear: both; min-height: 1em; font-family: -apple-system-font, BlinkMacSystemFont, &quot;Helvetica Neue&quot;, &quot;PingFang SC&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei UI&quot;, &quot;Microsoft YaHei&quot;, Arial, sans-serif; font-size: 17px; font-variant-numeric: normal; font-variant-east-asian: normal; letter-spacing: 0.544px; line-height: 27.2px; widows: 1; background-color: rgb(255, 255, 255); overflow-wrap: break-word !important;"><img src="http://luntan.eunisson.com/uploadfiles/images/64/20190808/102855_SV6DFn.jpg" alt="Image"><br style="max-width: 100%; overflow-wrap: break-word !important;"></p><p neue="neue" sc="sc" gb="gb" px="px" helvetica="helvetica" sans="sans" yahei="yahei" wenquanyi="wenquanyi" hei="hei" micro="micro" pingfang="pingfang" hiragino="hiragino" microsoft="microsoft" arial="arial" sans-serif="sans-serif" transparent="transparent" style="margin-top: 16px; margin-bottom: 16px; max-width: 100%; clear: both; min-height: 1em; font-family: -apple-system-font, BlinkMacSystemFont, &quot;Helvetica Neue&quot;, &quot;PingFang SC&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei UI&quot;, &quot;Microsoft YaHei&quot;, Arial, sans-serif; font-size: 17px; font-variant-numeric: normal; font-variant-east-asian: normal; line-height: 27.2px; color: rgb(34, 34, 34); text-indent: 2em; overflow-wrap: break-word !important;"><em style="max-width: 100%; overflow-wrap: break-word !important;"><span style="max-width: 100%; font-size: 18px; overflow-wrap: break-word !important;"><span style="max-width: 100%; font-weight: 700; -webkit-tap-highlight-color: transparent; overflow-wrap: break-word !important;"><span style="max-width: 100%; overflow-wrap: break-word !important;">02、电话推销套路多，</span>关键信息他不说</span></span></em></p><p neue="neue" sc="sc" gb="gb" px="px" helvetica="helvetica" sans="sans" yahei="yahei" wenquanyi="wenquanyi" hei="hei" micro="micro" pingfang="pingfang" hiragino="hiragino" microsoft="microsoft" arial="arial" sans-serif="sans-serif" transparent="transparent" style="margin-top: 16px; margin-bottom: 16px; max-width: 100%; clear: both; min-height: 1em; font-family: -apple-system-font, BlinkMacSystemFont, &quot;Helvetica Neue&quot;, &quot;PingFang SC&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei UI&quot;, &quot;Microsoft YaHei&quot;, Arial, sans-serif; font-size: 17px; font-variant-numeric: normal; font-variant-east-asian: normal; line-height: 27.2px; color: rgb(34, 34, 34); text-indent: 2em; overflow-wrap: break-word !important;"><span style="max-width: 100%; font-size: 16px; overflow-wrap: break-word !important;"><span style="max-width: 100%; font-weight: 700; -webkit-tap-highlight-color: transparent; overflow-wrap: break-word !important;">案例二</span>：</span></p><p neue="neue" sc="sc" gb="gb" px="px" helvetica="helvetica" sans="sans" yahei="yahei" wenquanyi="wenquanyi" hei="hei" micro="micro" pingfang="pingfang" hiragino="hiragino" microsoft="microsoft" arial="arial" sans-serif="sans-serif" transparent="transparent" style="margin-top: 16px; margin-bottom: 16px; max-width: 100%; clear: both; min-height: 1em; font-family: -apple-system-font, BlinkMacSystemFont, &quot;Helvetica Neue&quot;, &quot;PingFang SC&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei UI&quot;, &quot;Microsoft YaHei&quot;, Arial, sans-serif; font-size: 17px; font-variant-numeric: normal; font-variant-east-asian: normal; line-height: 27.2px; color: rgb(34, 34, 34); text-indent: 2em; overflow-wrap: break-word !important;"><span style="max-width: 100%; font-size: 16px; overflow-wrap: break-word !important;">某人身险代理人在电话销售过程中，夸大保险责任，对与保险业务相关的法律、法规、政策作虚假宣传，对投保人隐瞒与保险合同有关的重要情况，同时违规销售万能险。</span></p><p neue="neue" sc="sc" gb="gb" px="px" helvetica="helvetica" sans="sans" yahei="yahei" wenquanyi="wenquanyi" hei="hei" micro="micro" pingfang="pingfang" hiragino="hiragino" microsoft="microsoft" arial="arial" sans-serif="sans-serif" transparent="transparent" style="margin-top: 16px; margin-bottom: 16px; max-width: 100%; clear: both; min-height: 1em; font-family: -apple-system-font, BlinkMacSystemFont, &quot;Helvetica Neue&quot;, &quot;PingFang SC&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei UI&quot;, &quot;Microsoft YaHei&quot;, Arial, sans-serif; font-size: 17px; font-variant-numeric: normal; font-variant-east-asian: normal; line-height: 27.2px; color: rgb(34, 34, 34); text-indent: 2em; overflow-wrap: break-word !important;"><span style="max-width: 100%; font-size: 16px; overflow-wrap: break-word !important;"><span style="max-width: 100%; font-weight: 700; -webkit-tap-highlight-color: transparent; overflow-wrap: break-word !important;">监管提示</span>：</span></p><p neue="neue" sc="sc" gb="gb" px="px" helvetica="helvetica" sans="sans" yahei="yahei" wenquanyi="wenquanyi" hei="hei" micro="micro" pingfang="pingfang" hiragino="hiragino" microsoft="microsoft" arial="arial" sans-serif="sans-serif" transparent="transparent" style="margin-top: 16px; margin-bottom: 16px; max-width: 100%; clear: both; min-height: 1em; font-family: -apple-system-font, BlinkMacSystemFont, &quot;Helvetica Neue&quot;, &quot;PingFang SC&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei UI&quot;, &quot;Microsoft YaHei&quot;, Arial, sans-serif; font-size: 17px; font-variant-numeric: normal; font-variant-east-asian: normal; line-height: 27.2px; color: rgb(34, 34, 34); text-indent: 2em; overflow-wrap: break-word !important;"><span style="max-width: 100%; font-size: 16px; overflow-wrap: break-word !important;">保险电话营销、误导消费者的“套路”主要有：夸大保险责任,宣称保险产品“没有任何免赔，没有任何门槛，花多少报多少“；对保险政策作虚假宣传，宣称“监管机构已统一发文，今后保险费率要上调”；对投保人隐瞒合同条款重要内容等。注意：根据相关保险监管规定，万能险不能通过电销渠道销售。</span></p><p neue="neue" sc="sc" gb="gb" px="px" helvetica="helvetica" sans="sans" yahei="yahei" wenquanyi="wenquanyi" hei="hei" micro="micro" pingfang="pingfang" hiragino="hiragino" microsoft="microsoft" arial="arial" sans-serif="sans-serif" transparent="transparent" style="margin-top: 16px; margin-bottom: 16px; max-width: 100%; clear: both; min-height: 1em; font-family: -apple-system-font, BlinkMacSystemFont, &quot;Helvetica Neue&quot;, &quot;PingFang SC&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei UI&quot;, &quot;Microsoft YaHei&quot;, Arial, sans-serif; font-size: 17px; font-variant-numeric: normal; font-variant-east-asian: normal; line-height: 27.2px; color: rgb(34, 34, 34); text-indent: 2em; overflow-wrap: break-word !important;"><span style="max-width: 100%; font-size: 16px; overflow-wrap: break-word !important;">如果您通过电话渠道购买人身保险产品，要注意以下事项:一是电话推销的万能险，可能暗藏陷阱。二是对合同条款的关键信息，如保险责任、责任免除、保险金额、保险期间、缴费期间、退保损失等，做到心中有数，以防被误导。三是收到保险合同后，发现误买1年期以上人身险产品的，可在犹豫期内无条件解除合同，保险公司除扣除不超过10元成本费以外，退还全部保费；解除1年期(含)及以下合同的，保险机构要退还保单现金价值。</span></p><p neue="neue" sc="sc" gb="gb" px="px" helvetica="helvetica" sans="sans" yahei="yahei" wenquanyi="wenquanyi" hei="hei" micro="micro" pingfang="pingfang" hiragino="hiragino" microsoft="microsoft" arial="arial" sans-serif="sans-serif" transparent="transparent" style="margin-top: 16px; margin-bottom: 16px; max-width: 100%; clear: both; min-height: 1em; font-family: -apple-system-font, BlinkMacSystemFont, &quot;Helvetica Neue&quot;, &quot;PingFang SC&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei UI&quot;, &quot;Microsoft YaHei&quot;, Arial, sans-serif; font-size: 17px; font-variant-numeric: normal; font-variant-east-asian: normal; line-height: 27.2px; color: rgb(34, 34, 34); text-indent: 2em; overflow-wrap: break-word !important;"><span style="max-width: 100%; font-size: 16px; overflow-wrap: break-word !important;"><span style="max-width: 100%; font-weight: 700; -webkit-tap-highlight-color: transparent; overflow-wrap: break-word !important;"></span></span><span style="max-width: 100%; font-size: 16px; overflow-wrap: break-word !important;"><strong style="max-width: 100%; overflow-wrap: break-word !important;"><span neue="neue" sc="sc" gb="gb" ui="ui" none="none" normal="normal" px="px" helvetica="helvetica" sans="sans" yahei="yahei" justify="justify" style="max-width: 100%; color: rgb(51, 51, 51); float: none; overflow-wrap: break-word !important; display: inline !important;">点评：</span></strong></span></p><p neue="neue" sc="sc" gb="gb" px="px" helvetica="helvetica" sans="sans" yahei="yahei" wenquanyi="wenquanyi" hei="hei" micro="micro" pingfang="pingfang" hiragino="hiragino" microsoft="microsoft" arial="arial" sans-serif="sans-serif" transparent="transparent" style="margin-top: 16px; margin-bottom: 16px; max-width: 100%; clear: both; min-height: 1em; font-family: -apple-system-font, BlinkMacSystemFont, &quot;Helvetica Neue&quot;, &quot;PingFang SC&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei UI&quot;, &quot;Microsoft YaHei&quot;, Arial, sans-serif; font-size: 17px; font-variant-numeric: normal; font-variant-east-asian: normal; line-height: 27.2px; color: rgb(34, 34, 34); text-indent: 2em; overflow-wrap: break-word !important;"><span style="max-width: 100%; font-size: 16px; overflow-wrap: break-word !important;">电话可以接听，签约一定要见面。保险责任、产品分红等，要以白纸黑字、标准制式的合同文本为主。那些制作精良的影音作品、印有公司标识的宣传资料，都不要轻信!</span></p><p neue="neue" sc="sc" gb="gb" ui="ui" none="none" normal="normal" px="px" helvetica="helvetica" sans="sans" yahei="yahei" pingfang="pingfang" hiragino="hiragino" microsoft="microsoft" arial="arial" sans-serif="sans-serif" center="center" rgb="rgb" initial="initial" em="em" style="max-width: 100%; clear: both; min-height: 1em; font-family: -apple-system-font, BlinkMacSystemFont, &quot;Helvetica Neue&quot;, &quot;PingFang SC&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei UI&quot;, &quot;Microsoft YaHei&quot;, Arial, sans-serif; font-size: 17px; font-variant-numeric: normal; font-variant-east-asian: normal; letter-spacing: 0.544px; line-height: 27.2px; text-align: justify; widows: 1; background-color: rgb(255, 255, 255); overflow-wrap: break-word !important;"><img src="http://luntan.eunisson.com/uploadfiles/images/64/20190808/102855_w38SRD.jpg" alt="Image"><br></p><p neue="neue" sc="sc" gb="gb" px="px" helvetica="helvetica" sans="sans" yahei="yahei" wenquanyi="wenquanyi" hei="hei" micro="micro" pingfang="pingfang" hiragino="hiragino" microsoft="microsoft" arial="arial" sans-serif="sans-serif" transparent="transparent" style="margin-top: 16px; margin-bottom: 16px; max-width: 100%; clear: both; min-height: 1em; font-family: -apple-system-font, BlinkMacSystemFont, &quot;Helvetica Neue&quot;, &quot;PingFang SC&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei UI&quot;, &quot;Microsoft YaHei&quot;, Arial, sans-serif; font-size: 17px; font-variant-numeric: normal; font-variant-east-asian: normal; line-height: 27.2px; color: rgb(34, 34, 34); text-indent: 2em; overflow-wrap: break-word !important;"><em style="max-width: 100%; overflow-wrap: break-word !important;"><span style="max-width: 100%; font-size: 18px; overflow-wrap: break-word !important;"><span style="max-width: 100%; font-weight: 700; -webkit-tap-highlight-color: transparent; overflow-wrap: break-word !important;">03、他把收益吹上天，</span><span style="max-width: 100%; font-weight: 700; -webkit-tap-highlight-color: transparent; overflow-wrap: break-word !important;">你要冷静察风险</span></span></em></p><p neue="neue" sc="sc" gb="gb" px="px" helvetica="helvetica" sans="sans" yahei="yahei" wenquanyi="wenquanyi" hei="hei" micro="micro" pingfang="pingfang" hiragino="hiragino" microsoft="microsoft" arial="arial" sans-serif="sans-serif" transparent="transparent" style="margin-top: 16px; margin-bottom: 16px; max-width: 100%; clear: both; min-height: 1em; font-family: -apple-system-font, BlinkMacSystemFont, &quot;Helvetica Neue&quot;, &quot;PingFang SC&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei UI&quot;, &quot;Microsoft YaHei&quot;, Arial, sans-serif; font-size: 17px; font-variant-numeric: normal; font-variant-east-asian: normal; line-height: 27.2px; color: rgb(34, 34, 34); text-indent: 2em; overflow-wrap: break-word !important;"><span style="max-width: 100%; font-size: 16px; overflow-wrap: break-word !important;"><span style="max-width: 100%; font-weight: 700; -webkit-tap-highlight-color: transparent; overflow-wrap: break-word !important;">案例三</span>：</span></p><p neue="neue" sc="sc" gb="gb" px="px" helvetica="helvetica" sans="sans" yahei="yahei" wenquanyi="wenquanyi" hei="hei" micro="micro" pingfang="pingfang" hiragino="hiragino" microsoft="microsoft" arial="arial" sans-serif="sans-serif" transparent="transparent" style="margin-top: 16px; margin-bottom: 16px; max-width: 100%; clear: both; min-height: 1em; font-family: -apple-system-font, BlinkMacSystemFont, &quot;Helvetica Neue&quot;, &quot;PingFang SC&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei UI&quot;, &quot;Microsoft YaHei&quot;, Arial, sans-serif; font-size: 17px; font-variant-numeric: normal; font-variant-east-asian: normal; line-height: 27.2px; color: rgb(34, 34, 34); text-indent: 2em; overflow-wrap: break-word !important;"><span style="max-width: 100%; font-size: 16px; overflow-wrap: break-word !important;">某人身保险中心支公司在推销分红险时，谎称该保险的满期利益约为40万元并即将停售；续期服务人员继续欺骗投保人，夸大产品分红收益，未向投保人寄送红利通知书。</span></p><p neue="neue" sc="sc" gb="gb" px="px" helvetica="helvetica" sans="sans" yahei="yahei" wenquanyi="wenquanyi" hei="hei" micro="micro" pingfang="pingfang" hiragino="hiragino" microsoft="microsoft" arial="arial" sans-serif="sans-serif" transparent="transparent" style="margin-top: 16px; margin-bottom: 16px; max-width: 100%; clear: both; min-height: 1em; font-family: -apple-system-font, BlinkMacSystemFont, &quot;Helvetica Neue&quot;, &quot;PingFang SC&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei UI&quot;, &quot;Microsoft YaHei&quot;, Arial, sans-serif; font-size: 17px; font-variant-numeric: normal; font-variant-east-asian: normal; line-height: 27.2px; color: rgb(34, 34, 34); text-indent: 2em; overflow-wrap: break-word !important;"><span style="max-width: 100%; font-size: 16px; overflow-wrap: break-word !important;"><span style="max-width: 100%; font-weight: 700; -webkit-tap-highlight-color: transparent; overflow-wrap: break-word !important;">监管提示</span>：</span></p><p neue="neue" sc="sc" gb="gb" px="px" helvetica="helvetica" sans="sans" yahei="yahei" wenquanyi="wenquanyi" hei="hei" micro="micro" pingfang="pingfang" hiragino="hiragino" microsoft="microsoft" arial="arial" sans-serif="sans-serif" transparent="transparent" style="margin-top: 16px; margin-bottom: 16px; max-width: 100%; clear: both; min-height: 1em; font-family: -apple-system-font, BlinkMacSystemFont, &quot;Helvetica Neue&quot;, &quot;PingFang SC&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei UI&quot;, &quot;Microsoft YaHei&quot;, Arial, sans-serif; font-size: 17px; font-variant-numeric: normal; font-variant-east-asian: normal; line-height: 27.2px; color: rgb(34, 34, 34); text-indent: 2em; overflow-wrap: break-word !important;"><span style="max-width: 100%; font-size: 16px; overflow-wrap: break-word !important;">保险代理人在推销分红险、投连险、万能险等“新型人身险产品”时，必须充分说明以下内容:分红险的未来红利分配水平是不确定的；投连险未来投资回报是不确定的，实际投资收益可能会出现亏损；万能险在最低保证利率之上的投资收益是不确定的，取决于公司实际经营情况。</span></p><p neue="neue" sc="sc" gb="gb" px="px" helvetica="helvetica" sans="sans" yahei="yahei" wenquanyi="wenquanyi" hei="hei" micro="micro" pingfang="pingfang" hiragino="hiragino" microsoft="microsoft" arial="arial" sans-serif="sans-serif" transparent="transparent" style="margin-top: 16px; margin-bottom: 16px; max-width: 100%; clear: both; min-height: 1em; font-family: -apple-system-font, BlinkMacSystemFont, &quot;Helvetica Neue&quot;, &quot;PingFang SC&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei UI&quot;, &quot;Microsoft YaHei&quot;, Arial, sans-serif; font-size: 17px; font-variant-numeric: normal; font-variant-east-asian: normal; line-height: 27.2px; color: rgb(34, 34, 34); text-indent: 2em; overflow-wrap: break-word !important;"><span style="max-width: 100%; font-size: 16px; overflow-wrap: break-word !important;"><span style="max-width: 100%; font-weight: 700; -webkit-tap-highlight-color: transparent; overflow-wrap: break-word !important;"></span></span><span style="max-width: 100%; font-size: 16px; overflow-wrap: break-word !important;"><strong style="max-width: 100%; overflow-wrap: break-word !important;"><span neue="neue" sc="sc" gb="gb" ui="ui" none="none" normal="normal" px="px" helvetica="helvetica" sans="sans" yahei="yahei" justify="justify" style="max-width: 100%; color: rgb(51, 51, 51); float: none; overflow-wrap: break-word !important; display: inline !important;">点评：</span></strong></span></p><p neue="neue" sc="sc" gb="gb" px="px" helvetica="helvetica" sans="sans" yahei="yahei" wenquanyi="wenquanyi" hei="hei" micro="micro" pingfang="pingfang" hiragino="hiragino" microsoft="microsoft" arial="arial" sans-serif="sans-serif" transparent="transparent" style="margin-top: 16px; margin-bottom: 16px; max-width: 100%; clear: both; min-height: 1em; font-family: -apple-system-font, BlinkMacSystemFont, &quot;Helvetica Neue&quot;, &quot;PingFang SC&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei UI&quot;, &quot;Microsoft YaHei&quot;, Arial, sans-serif; font-size: 17px; font-variant-numeric: normal; font-variant-east-asian: normal; line-height: 27.2px; color: rgb(34, 34, 34); text-indent: 2em; overflow-wrap: break-word !important;">近<span style="max-width: 100%; font-size: 16px; overflow-wrap: break-word !important;">些年，一些短期高收益的人身险产品热卖,保险市场乱象纷纷,把部分消费者“鼓噪”得失去理智。要知道,任何时候,保险的主要功能都是保障，当您把家庭财富鸡蛋放到多个篮子里时，需牢记，保险那一篮是“遇难遭灾”时的救命养命钱，不要惦记着靠它发财。没有科学的保险消费观念，轻信承诺、草率投保，很可能误入陷阱、鸡飞蛋打。</span></p><p neue="neue" sc="sc" gb="gb" ui="ui" none="none" normal="normal" px="px" helvetica="helvetica" sans="sans" yahei="yahei" pingfang="pingfang" hiragino="hiragino" microsoft="microsoft" arial="arial" sans-serif="sans-serif" center="center" rgb="rgb" initial="initial" em="em" style="max-width: 100%; clear: both; min-height: 1em; font-family: -apple-system-font, BlinkMacSystemFont, &quot;Helvetica Neue&quot;, &quot;PingFang SC&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei UI&quot;, &quot;Microsoft YaHei&quot;, Arial, sans-serif; font-size: 17px; font-variant-numeric: normal; font-variant-east-asian: normal; letter-spacing: 0.544px; line-height: 27.2px; text-align: justify; widows: 1; background-color: rgb(255, 255, 255); overflow-wrap: break-word !important;"><img src="http://luntan.eunisson.com/uploadfiles/images/64/20190808/102855_x50YlK.jpg" alt="Image"><br></p><p neue="neue" sc="sc" gb="gb" px="px" helvetica="helvetica" sans="sans" yahei="yahei" wenquanyi="wenquanyi" hei="hei" micro="micro" pingfang="pingfang" hiragino="hiragino" microsoft="microsoft" arial="arial" sans-serif="sans-serif" transparent="transparent" style="margin-top: 16px; margin-bottom: 16px; max-width: 100%; clear: both; min-height: 1em; font-family: -apple-system-font, BlinkMacSystemFont, &quot;Helvetica Neue&quot;, &quot;PingFang SC&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei UI&quot;, &quot;Microsoft YaHei&quot;, Arial, sans-serif; font-size: 17px; font-variant-numeric: normal; font-variant-east-asian: normal; line-height: 27.2px; color: rgb(34, 34, 34); text-indent: 2em; overflow-wrap: break-word !important;"><em style="max-width: 100%; overflow-wrap: break-word !important;"><span style="max-width: 100%; font-size: 18px; overflow-wrap: break-word !important;"><span style="max-width: 100%; font-weight: 700; -webkit-tap-highlight-color: transparent; overflow-wrap: break-word !important;">04、合同条款虽繁琐，</span><span style="max-width: 100%; font-weight: 700; -webkit-tap-highlight-color: transparent; overflow-wrap: break-word !important;">代签代答使不得</span></span></em></p><p neue="neue" sc="sc" gb="gb" px="px" helvetica="helvetica" sans="sans" yahei="yahei" wenquanyi="wenquanyi" hei="hei" micro="micro" pingfang="pingfang" hiragino="hiragino" microsoft="microsoft" arial="arial" sans-serif="sans-serif" transparent="transparent" style="margin-top: 16px; margin-bottom: 16px; max-width: 100%; clear: both; min-height: 1em; font-family: -apple-system-font, BlinkMacSystemFont, &quot;Helvetica Neue&quot;, &quot;PingFang SC&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei UI&quot;, &quot;Microsoft YaHei&quot;, Arial, sans-serif; font-size: 17px; font-variant-numeric: normal; font-variant-east-asian: normal; line-height: 27.2px; color: rgb(34, 34, 34); text-indent: 2em; overflow-wrap: break-word !important;"><span style="max-width: 100%; font-size: 16px; overflow-wrap: break-word !important;"><strong style="max-width: 100%; overflow-wrap: break-word !important;">案例四：</strong></span></p><p neue="neue" sc="sc" gb="gb" px="px" helvetica="helvetica" sans="sans" yahei="yahei" wenquanyi="wenquanyi" hei="hei" micro="micro" pingfang="pingfang" hiragino="hiragino" microsoft="microsoft" arial="arial" sans-serif="sans-serif" transparent="transparent" style="margin-top: 16px; margin-bottom: 16px; max-width: 100%; clear: both; min-height: 1em; font-family: -apple-system-font, BlinkMacSystemFont, &quot;Helvetica Neue&quot;, &quot;PingFang SC&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei UI&quot;, &quot;Microsoft YaHei&quot;, Arial, sans-serif; font-size: 17px; font-variant-numeric: normal; font-variant-east-asian: normal; line-height: 27.2px; color: rgb(34, 34, 34); text-indent: 2em; overflow-wrap: break-word !important;"><span style="max-width: 100%; font-size: 16px; overflow-wrap: break-word !important;">有消费者在投保分红险时，营销员引导他在接受保险公司回访时对全部问题都回答“是”，并且这位营销员还代投保者抄录风险提示语。发生纠纷后，监管部门查实了代抄风险提示语的问题，但由于消费者不掌握其他问题的有力证据，维权难度较大。</span></p><p neue="neue" sc="sc" gb="gb" px="px" helvetica="helvetica" sans="sans" yahei="yahei" wenquanyi="wenquanyi" hei="hei" micro="micro" pingfang="pingfang" hiragino="hiragino" microsoft="microsoft" arial="arial" sans-serif="sans-serif" transparent="transparent" style="margin-top: 16px; margin-bottom: 16px; max-width: 100%; clear: both; min-height: 1em; font-family: -apple-system-font, BlinkMacSystemFont, &quot;Helvetica Neue&quot;, &quot;PingFang SC&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei UI&quot;, &quot;Microsoft YaHei&quot;, Arial, sans-serif; font-size: 17px; font-variant-numeric: normal; font-variant-east-asian: normal; line-height: 27.2px; color: rgb(34, 34, 34); text-indent: 2em; overflow-wrap: break-word !important;"><span style="max-width: 100%; font-size: 16px; overflow-wrap: break-word !important;"><span style="max-width: 100%; font-weight: 700; -webkit-tap-highlight-color: transparent; overflow-wrap: break-word !important;">监管提示</span>：</span></p><p neue="neue" sc="sc" gb="gb" px="px" helvetica="helvetica" sans="sans" yahei="yahei" wenquanyi="wenquanyi" hei="hei" micro="micro" pingfang="pingfang" hiragino="hiragino" microsoft="microsoft" arial="arial" sans-serif="sans-serif" transparent="transparent" style="margin-top: 16px; margin-bottom: 16px; max-width: 100%; clear: both; min-height: 1em; font-family: -apple-system-font, BlinkMacSystemFont, &quot;Helvetica Neue&quot;, &quot;PingFang SC&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei UI&quot;, &quot;Microsoft YaHei&quot;, Arial, sans-serif; font-size: 17px; font-variant-numeric: normal; font-variant-east-asian: normal; line-height: 27.2px; color: rgb(34, 34, 34); text-indent: 2em; overflow-wrap: break-word !important;"><span style="max-width: 100%; font-size: 16px; overflow-wrap: break-word !important;">保险合同签约环节，在抄写风险提示及签字确认前，应仔细阅读合同条款，认真评估产品是否符合自身需求及风险承受能力,切勿盲目签字确认，更不要让他人代签。此外，还要认真对待保险公司的回访,如实回答问题，有不懂的问题要及时向保险公司咨询。最后，还要认真对待销售过程中的“录音”“录像”程序，防范可能发生营销误导。</span></p><p neue="neue" sc="sc" gb="gb" px="px" helvetica="helvetica" sans="sans" yahei="yahei" wenquanyi="wenquanyi" hei="hei" micro="micro" pingfang="pingfang" hiragino="hiragino" microsoft="microsoft" arial="arial" sans-serif="sans-serif" transparent="transparent" style="margin-top: 16px; margin-bottom: 16px; max-width: 100%; clear: both; min-height: 1em; font-family: -apple-system-font, BlinkMacSystemFont, &quot;Helvetica Neue&quot;, &quot;PingFang SC&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei UI&quot;, &quot;Microsoft YaHei&quot;, Arial, sans-serif; font-size: 17px; font-variant-numeric: normal; font-variant-east-asian: normal; line-height: 27.2px; color: rgb(34, 34, 34); text-indent: 2em; overflow-wrap: break-word !important;"><span style="max-width: 100%; font-size: 16px; overflow-wrap: break-word !important;"><span style="max-width: 100%; font-weight: 700; -webkit-tap-highlight-color: transparent; overflow-wrap: break-word !important;"></span></span><span style="max-width: 100%; font-size: 16px; overflow-wrap: break-word !important;"><strong style="max-width: 100%; overflow-wrap: break-word !important;"><span neue="neue" sc="sc" gb="gb" ui="ui" none="none" normal="normal" px="px" helvetica="helvetica" sans="sans" yahei="yahei" justify="justify" style="max-width: 100%; color: rgb(51, 51, 51); float: none; overflow-wrap: break-word !important; display: inline !important;">点评：</span></strong></span></p><p neue="neue" sc="sc" gb="gb" px="px" helvetica="helvetica" sans="sans" yahei="yahei" wenquanyi="wenquanyi" hei="hei" micro="micro" pingfang="pingfang" hiragino="hiragino" microsoft="microsoft" arial="arial" sans-serif="sans-serif" transparent="transparent" style="margin-top: 16px; margin-bottom: 16px; max-width: 100%; clear: both; min-height: 1em; font-family: -apple-system-font, BlinkMacSystemFont, &quot;Helvetica Neue&quot;, &quot;PingFang SC&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei UI&quot;, &quot;Microsoft YaHei&quot;, Arial, sans-serif; font-size: 17px; font-variant-numeric: normal; font-variant-east-asian: normal; line-height: 27.2px; color: rgb(34, 34, 34); text-indent: 2em; overflow-wrap: break-word !important;"><span style="max-width: 100%; font-size: 16px; overflow-wrap: break-word !important;">不少消费者在金融消费过程中，对收益率之类关注颇多，却对安全问题疏忽随意，防范意识明显不足。这些“再次确认”虽然繁琐，却是金融消费者用一次次“教训”换回来的“亡羊补牢”，是监管部门一层层加固起来的“制度篱笆墙”，每一条都有道理，您不能不当回事。</span></p><p neue="neue" sc="sc" gb="gb" ui="ui" none="none" normal="normal" px="px" helvetica="helvetica" sans="sans" yahei="yahei" pingfang="pingfang" hiragino="hiragino" microsoft="microsoft" arial="arial" sans-serif="sans-serif" center="center" rgb="rgb" initial="initial" em="em" style="text-align: center; max-width: 100%; clear: both; min-height: 1em; font-family: -apple-system-font, BlinkMacSystemFont, &quot;Helvetica Neue&quot;, &quot;PingFang SC&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei UI&quot;, &quot;Microsoft YaHei&quot;, Arial, sans-serif; font-size: 17px; font-variant-numeric: normal; font-variant-east-asian: normal; letter-spacing: 0.544px; line-height: 27.2px; widows: 1; background-color: rgb(255, 255, 255); overflow-wrap: break-word !important;"><img src="http://luntan.eunisson.com/uploadfiles/images/64/20190808/102855_ly1xpA.jpg" alt="Image"><br></p><p neue="neue" sc="sc" gb="gb" px="px" helvetica="helvetica" sans="sans" yahei="yahei" wenquanyi="wenquanyi" hei="hei" micro="micro" pingfang="pingfang" hiragino="hiragino" microsoft="microsoft" arial="arial" sans-serif="sans-serif" transparent="transparent" style="margin-top: 16px; margin-bottom: 16px; max-width: 100%; clear: both; min-height: 1em; font-family: -apple-system-font, BlinkMacSystemFont, &quot;Helvetica Neue&quot;, &quot;PingFang SC&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei UI&quot;, &quot;Microsoft YaHei&quot;, Arial, sans-serif; font-size: 17px; font-variant-numeric: normal; font-variant-east-asian: normal; line-height: 27.2px; color: rgb(34, 34, 34); text-indent: 2em; overflow-wrap: break-word !important;"><em style="max-width: 100%; overflow-wrap: break-word !important;"><span style="max-width: 100%; font-size: 18px; overflow-wrap: break-word !important;"><span style="max-width: 100%; font-weight: 700; -webkit-tap-highlight-color: transparent; overflow-wrap: break-word !important;">05、公司拒保“交强险”，</span><span style="max-width: 100%; font-weight: 700; -webkit-tap-highlight-color: transparent; overflow-wrap: break-word !important;">向上投诉罚他款</span></span></em></p><p neue="neue" sc="sc" gb="gb" px="px" helvetica="helvetica" sans="sans" yahei="yahei" wenquanyi="wenquanyi" hei="hei" micro="micro" pingfang="pingfang" hiragino="hiragino" microsoft="microsoft" arial="arial" sans-serif="sans-serif" transparent="transparent" style="margin-top: 16px; margin-bottom: 16px; max-width: 100%; clear: both; min-height: 1em; font-family: -apple-system-font, BlinkMacSystemFont, &quot;Helvetica Neue&quot;, &quot;PingFang SC&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei UI&quot;, &quot;Microsoft YaHei&quot;, Arial, sans-serif; font-size: 17px; font-variant-numeric: normal; font-variant-east-asian: normal; line-height: 27.2px; color: rgb(34, 34, 34); text-indent: 2em; overflow-wrap: break-word !important;"><span style="max-width: 100%; font-size: 16px; overflow-wrap: break-word !important;"><span style="max-width: 100%; font-weight: 700; -webkit-tap-highlight-color: transparent; overflow-wrap: break-word !important;">案例五</span>：</span></p><p neue="neue" sc="sc" gb="gb" px="px" helvetica="helvetica" sans="sans" yahei="yahei" wenquanyi="wenquanyi" hei="hei" micro="micro" pingfang="pingfang" hiragino="hiragino" microsoft="microsoft" arial="arial" sans-serif="sans-serif" transparent="transparent" style="margin-top: 16px; margin-bottom: 16px; max-width: 100%; clear: both; min-height: 1em; font-family: -apple-system-font, BlinkMacSystemFont, &quot;Helvetica Neue&quot;, &quot;PingFang SC&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei UI&quot;, &quot;Microsoft YaHei&quot;, Arial, sans-serif; font-size: 17px; font-variant-numeric: normal; font-variant-east-asian: normal; line-height: 27.2px; color: rgb(34, 34, 34); text-indent: 2em; overflow-wrap: break-word !important;"><span style="max-width: 100%; font-size: 16px; overflow-wrap: break-word !important;">有消费者投诉，某财险公司拒绝承保机动车交通事故责任强制保险，监管机构对该公司罚款5万元。</span></p><p neue="neue" sc="sc" gb="gb" px="px" helvetica="helvetica" sans="sans" yahei="yahei" wenquanyi="wenquanyi" hei="hei" micro="micro" pingfang="pingfang" hiragino="hiragino" microsoft="microsoft" arial="arial" sans-serif="sans-serif" transparent="transparent" style="margin-top: 16px; margin-bottom: 16px; max-width: 100%; clear: both; min-height: 1em; font-family: -apple-system-font, BlinkMacSystemFont, &quot;Helvetica Neue&quot;, &quot;PingFang SC&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei UI&quot;, &quot;Microsoft YaHei&quot;, Arial, sans-serif; font-size: 17px; font-variant-numeric: normal; font-variant-east-asian: normal; line-height: 27.2px; color: rgb(34, 34, 34); text-indent: 2em; overflow-wrap: break-word !important;"><span style="max-width: 100%; font-size: 16px; overflow-wrap: break-word !important;"><span style="max-width: 100%; font-weight: 700; -webkit-tap-highlight-color: transparent; overflow-wrap: break-word !important;">监管提示</span>：</span></p><p neue="neue" sc="sc" gb="gb" px="px" helvetica="helvetica" sans="sans" yahei="yahei" wenquanyi="wenquanyi" hei="hei" micro="micro" pingfang="pingfang" hiragino="hiragino" microsoft="microsoft" arial="arial" sans-serif="sans-serif" transparent="transparent" style="margin-top: 16px; margin-bottom: 16px; max-width: 100%; clear: both; min-height: 1em; font-family: -apple-system-font, BlinkMacSystemFont, &quot;Helvetica Neue&quot;, &quot;PingFang SC&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei UI&quot;, &quot;Microsoft YaHei&quot;, Arial, sans-serif; font-size: 17px; font-variant-numeric: normal; font-variant-east-asian: normal; line-height: 27.2px; color: rgb(34, 34, 34); text-indent: 2em; overflow-wrap: break-word !important;"><span style="max-width: 100%; font-size: 16px; overflow-wrap: break-word !important;">交强险是强制保险，根据相关法律规定，车主必须买，保险公司也必须卖。如遇保险机构拒绝或拖延承保交强险等行为，消费者可通过保险机构客服电话等渠道反映，或向监管机构投诉，以维护自身合法权益。</span></p><p neue="neue" sc="sc" gb="gb" px="px" helvetica="helvetica" sans="sans" yahei="yahei" wenquanyi="wenquanyi" hei="hei" micro="micro" pingfang="pingfang" hiragino="hiragino" microsoft="microsoft" arial="arial" sans-serif="sans-serif" transparent="transparent" style="margin-top: 16px; margin-bottom: 16px; max-width: 100%; clear: both; min-height: 1em; font-family: -apple-system-font, BlinkMacSystemFont, &quot;Helvetica Neue&quot;, &quot;PingFang SC&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei UI&quot;, &quot;Microsoft YaHei&quot;, Arial, sans-serif; font-size: 17px; font-variant-numeric: normal; font-variant-east-asian: normal; line-height: 27.2px; color: rgb(34, 34, 34); text-indent: 2em; overflow-wrap: break-word !important;"><span style="max-width: 100%; font-size: 16px; overflow-wrap: break-word !important;"><span style="max-width: 100%; font-weight: 700; -webkit-tap-highlight-color: transparent; overflow-wrap: break-word !important;"></span><strong style="max-width: 100%; overflow-wrap: break-word !important;"><span neue="neue" sc="sc" gb="gb" ui="ui" none="none" normal="normal" px="px" helvetica="helvetica" sans="sans" yahei="yahei" justify="justify" style="max-width: 100%; float: none; color: rgb(51, 51, 51); overflow-wrap: break-word !important; display: inline !important;">点评</span><span neue="neue" sc="sc" gb="gb" ui="ui" none="none" normal="normal" px="px" helvetica="helvetica" sans="sans" yahei="yahei" justify="justify" style="max-width: 100%; float: none; color: rgb(51, 51, 51); overflow-wrap: break-word !important; display: inline !important;">：</span></strong></span></p><p neue="neue" sc="sc" gb="gb" px="px" helvetica="helvetica" sans="sans" yahei="yahei" wenquanyi="wenquanyi" hei="hei" micro="micro" pingfang="pingfang" hiragino="hiragino" microsoft="microsoft" arial="arial" sans-serif="sans-serif" transparent="transparent" style="margin-top: 16px; margin-bottom: 16px; max-width: 100%; clear: both; min-height: 1em; font-family: -apple-system-font, BlinkMacSystemFont, &quot;Helvetica Neue&quot;, &quot;PingFang SC&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei UI&quot;, &quot;Microsoft YaHei&quot;, Arial, sans-serif; font-size: 17px; font-variant-numeric: normal; font-variant-east-asian: normal; line-height: 27.2px; color: rgb(34, 34, 34); text-indent: 2em; overflow-wrap: break-word !important;"><span style="max-width: 100%; font-size: 16px; overflow-wrap: break-word !important;">交强险经营秉承“保本微利”原则，国家限制保险公司在这项业务上获利太多，有些公司经营这项业务不情不愿。但车主们大多选择同一家公司投保交强险和商业车险，保险公司“搂草打兔子”，实际上也并不吃亏。因此，监管部门严禁保险公司“挑肥拣瘦”。下次哪位车主再遇到保险公司拒保交强险，不废话，记住保险投诉电话：12378!</span></p><p style="max-width: 100%; clear: both; min-height: 1em; font-family: -apple-system-font, BlinkMacSystemFont, &quot;Helvetica Neue&quot;, &quot;PingFang SC&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei UI&quot;, &quot;Microsoft YaHei&quot;, Arial, sans-serif; font-size: 17px; font-variant-numeric: normal; font-variant-east-asian: normal; letter-spacing: 0.544px; line-height: 27.2px; widows: 1; text-align: center; background-color: rgb(255, 255, 255); overflow-wrap: break-word !important;"><img src="http://luntan.eunisson.com/uploadfiles/images/64/20190808/102958_groKUJ.jpg" alt="Image"><br style="max-width: 100%; overflow-wrap: break-word !important;"></p><p neue="neue" sc="sc" gb="gb" px="px" helvetica="helvetica" sans="sans" yahei="yahei" wenquanyi="wenquanyi" hei="hei" micro="micro" pingfang="pingfang" hiragino="hiragino" microsoft="microsoft" arial="arial" sans-serif="sans-serif" transparent="transparent" style="margin-top: 16px; margin-bottom: 16px; max-width: 100%; clear: both; min-height: 1em; font-family: -apple-system-font, BlinkMacSystemFont, &quot;Helvetica Neue&quot;, &quot;PingFang SC&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei UI&quot;, &quot;Microsoft YaHei&quot;, Arial, sans-serif; font-size: 17px; font-variant-numeric: normal; font-variant-east-asian: normal; line-height: 27.2px; color: rgb(34, 34, 34); text-indent: 2em; overflow-wrap: break-word !important;"><em style="max-width: 100%; overflow-wrap: break-word !important;"><span style="max-width: 100%; font-size: 18px; overflow-wrap: break-word !important;"><span style="max-width: 100%; font-weight: 700; -webkit-tap-highlight-color: transparent; overflow-wrap: break-word !important;">06、“即将停售”别轻信，</span><span style="max-width: 100%; font-weight: 700; -webkit-tap-highlight-color: transparent; overflow-wrap: break-word !important;">查实再买更安心</span></span></em></p><p neue="neue" sc="sc" gb="gb" px="px" helvetica="helvetica" sans="sans" yahei="yahei" wenquanyi="wenquanyi" hei="hei" micro="micro" pingfang="pingfang" hiragino="hiragino" microsoft="microsoft" arial="arial" sans-serif="sans-serif" transparent="transparent" style="margin-top: 16px; margin-bottom: 16px; max-width: 100%; clear: both; min-height: 1em; font-family: -apple-system-font, BlinkMacSystemFont, &quot;Helvetica Neue&quot;, &quot;PingFang SC&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei UI&quot;, &quot;Microsoft YaHei&quot;, Arial, sans-serif; font-size: 17px; font-variant-numeric: normal; font-variant-east-asian: normal; line-height: 27.2px; color: rgb(34, 34, 34); text-indent: 2em; overflow-wrap: break-word !important;"><span style="max-width: 100%; font-size: 16px; overflow-wrap: break-word !important;"><span style="max-width: 100%; font-weight: 700; -webkit-tap-highlight-color: transparent; overflow-wrap: break-word !important;">案例六</span>：</span></p><p neue="neue" sc="sc" gb="gb" px="px" helvetica="helvetica" sans="sans" yahei="yahei" wenquanyi="wenquanyi" hei="hei" micro="micro" pingfang="pingfang" hiragino="hiragino" microsoft="microsoft" arial="arial" sans-serif="sans-serif" transparent="transparent" style="margin-top: 16px; margin-bottom: 16px; max-width: 100%; clear: both; min-height: 1em; font-family: -apple-system-font, BlinkMacSystemFont, &quot;Helvetica Neue&quot;, &quot;PingFang SC&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei UI&quot;, &quot;Microsoft YaHei&quot;, Arial, sans-serif; font-size: 17px; font-variant-numeric: normal; font-variant-east-asian: normal; line-height: 27.2px; color: rgb(34, 34, 34); text-indent: 2em; overflow-wrap: break-word !important;"><span style="max-width: 100%; font-size: 16px; overflow-wrap: break-word !important;">某人身保险公司代理人在其微信朋友圈中发布“购买返还型健康保险最后机会”“重大疾病保险费率调整”等“炒停”信息，误导消费者，涉嫌虚假宣传。</span></p><p neue="neue" sc="sc" gb="gb" px="px" helvetica="helvetica" sans="sans" yahei="yahei" wenquanyi="wenquanyi" hei="hei" micro="micro" pingfang="pingfang" hiragino="hiragino" microsoft="microsoft" arial="arial" sans-serif="sans-serif" transparent="transparent" style="margin-top: 16px; margin-bottom: 16px; max-width: 100%; clear: both; min-height: 1em; font-family: -apple-system-font, BlinkMacSystemFont, &quot;Helvetica Neue&quot;, &quot;PingFang SC&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei UI&quot;, &quot;Microsoft YaHei&quot;, Arial, sans-serif; font-size: 17px; font-variant-numeric: normal; font-variant-east-asian: normal; line-height: 27.2px; color: rgb(34, 34, 34); text-indent: 2em; overflow-wrap: break-word !important;"><span style="max-width: 100%; font-size: 16px; overflow-wrap: break-word !important;"><span style="max-width: 100%; font-weight: 700; -webkit-tap-highlight-color: transparent; overflow-wrap: break-word !important;">监管提示</span>：</span></p><p neue="neue" sc="sc" gb="gb" px="px" helvetica="helvetica" sans="sans" yahei="yahei" wenquanyi="wenquanyi" hei="hei" micro="micro" pingfang="pingfang" hiragino="hiragino" microsoft="microsoft" arial="arial" sans-serif="sans-serif" transparent="transparent" style="margin-top: 16px; margin-bottom: 16px; max-width: 100%; clear: both; min-height: 1em; font-family: -apple-system-font, BlinkMacSystemFont, &quot;Helvetica Neue&quot;, &quot;PingFang SC&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei UI&quot;, &quot;Microsoft YaHei&quot;, Arial, sans-serif; font-size: 17px; font-variant-numeric: normal; font-variant-east-asian: normal; line-height: 27.2px; color: rgb(34, 34, 34); text-indent: 2em; overflow-wrap: break-word !important;"><span style="max-width: 100%; font-size: 16px; overflow-wrap: break-word !important;">根据《人身保险销售误导行为认定指引》，销售人员不得以“产品即将停售”为由进行误导宣传；即使保险公司决定在部分区域停止使用保险条款和保险费率，保险公司也不得以此为由进行营销。消费者购买保险时不要轻信网络传言，相关政策信息应以官方渠道发布为准。</span></p><p neue="neue" sc="sc" gb="gb" px="px" helvetica="helvetica" sans="sans" yahei="yahei" wenquanyi="wenquanyi" hei="hei" micro="micro" pingfang="pingfang" hiragino="hiragino" microsoft="microsoft" arial="arial" sans-serif="sans-serif" transparent="transparent" style="margin-top: 16px; margin-bottom: 16px; max-width: 100%; clear: both; min-height: 1em; font-family: -apple-system-font, BlinkMacSystemFont, &quot;Helvetica Neue&quot;, &quot;PingFang SC&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei UI&quot;, &quot;Microsoft YaHei&quot;, Arial, sans-serif; font-size: 17px; font-variant-numeric: normal; font-variant-east-asian: normal; line-height: 27.2px; text-indent: 2em; overflow-wrap: break-word !important;"><strong style="max-width: 100%; overflow-wrap: break-word !important;"><span style="max-width: 100%; font-size: 16px; overflow-wrap: break-word !important;">点评：</span></strong></p><p neue="neue" sc="sc" gb="gb" px="px" helvetica="helvetica" sans="sans" yahei="yahei" wenquanyi="wenquanyi" hei="hei" micro="micro" pingfang="pingfang" hiragino="hiragino" microsoft="microsoft" arial="arial" sans-serif="sans-serif" transparent="transparent" style="margin-top: 16px; margin-bottom: 16px; max-width: 100%; clear: both; min-height: 1em; font-family: -apple-system-font, BlinkMacSystemFont, &quot;Helvetica Neue&quot;, &quot;PingFang SC&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei UI&quot;, &quot;Microsoft YaHei&quot;, Arial, sans-serif; font-size: 17px; font-variant-numeric: normal; font-variant-east-asian: normal; line-height: 27.2px; color: rgb(34, 34, 34); text-indent: 2em; overflow-wrap: break-word !important;"><span style="max-width: 100%; font-size: 16px; overflow-wrap: break-word !important;"><span style="max-width: 100%; color: rgb(0, 16, 0); overflow-wrap: break-word !important;"></span>如今保险市场已实现充分竞争，各家公司都拿出十八般武艺，保险公司岂会放着赚钱的买卖不做?停售的，要么是保险公司卖不动了，要么是打价格战使其风险凸显，让监管层看不下去了。甭管是哪类，咱大可不必去追，追上不一定有好处，反而可能是风险。</span></p><p neue="neue" sc="sc" gb="gb" px="px" helvetica="helvetica" sans="sans" yahei="yahei" wenquanyi="wenquanyi" hei="hei" micro="micro" pingfang="pingfang" hiragino="hiragino" microsoft="microsoft" arial="arial" sans-serif="sans-serif" transparent="transparent" style="margin-top: 16px; margin-bottom: 16px; max-width: 100%; clear: both; min-height: 1em; font-family: -apple-system-font, BlinkMacSystemFont, &quot;Helvetica Neue&quot;, &quot;PingFang SC&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei UI&quot;, &quot;Microsoft YaHei&quot;, Arial, sans-serif; font-size: 17px; font-variant-numeric: normal; font-variant-east-asian: normal; line-height: 27.2px; text-align: right; color: rgb(34, 34, 34); text-indent: 2em; overflow-wrap: break-word !important;"><span style="max-width: 100%; font-size: 16px; overflow-wrap: break-word !important;">（文章来源：今日头条）</span></p><p neue="neue" sc="sc" gb="gb" px="px" helvetica="helvetica" sans="sans" yahei="yahei" wenquanyi="wenquanyi" hei="hei" micro="micro" pingfang="pingfang" hiragino="hiragino" microsoft="microsoft" arial="arial" sans-serif="sans-serif" transparent="transparent" style="margin-top: 16px; margin-bottom: 16px; max-width: 100%; clear: both; min-height: 1em; font-family: -apple-system-font, BlinkMacSystemFont, &quot;Helvetica Neue&quot;, &quot;PingFang SC&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei UI&quot;, &quot;Microsoft YaHei&quot;, Arial, sans-serif; font-size: 17px; font-variant-numeric: normal; font-variant-east-asian: normal; line-height: 27.2px; text-align: right; color: rgb(34, 34, 34); text-indent: 2em; overflow-wrap: break-word !important;"><span style="max-width: 100%; font-size: 16px; overflow-wrap: break-word !important;"><br></span></p><p neue="neue" sc="sc" gb="gb" px="px" helvetica="helvetica" sans="sans" yahei="yahei" wenquanyi="wenquanyi" hei="hei" micro="micro" pingfang="pingfang" hiragino="hiragino" microsoft="microsoft" arial="arial" sans-serif="sans-serif" transparent="transparent" style="text-align: center; margin-top: 16px; margin-bottom: 16px; max-width: 100%; clear: both; min-height: 1em; font-family: -apple-system-font, BlinkMacSystemFont, &quot;Helvetica Neue&quot;, &quot;PingFang SC&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei UI&quot;, &quot;Microsoft YaHei&quot;, Arial, sans-serif; font-size: 17px; font-variant-numeric: normal; font-variant-east-asian: normal; line-height: 27.2px; color: rgb(34, 34, 34); text-indent: 2em; overflow-wrap: break-word !important;"><span style="max-width: 100%; font-size: 16px; overflow-wrap: break-word !important;"><img src="http://luntan.eunisson.com/uploadfiles/images/64/20190808/103014_pFhvtT.jpg" alt="Image"><br></span></p>

最近有部名叫《守护神之保险调查》的电视剧在网络上热播，剧情是讲述有关保险调查员的故事，这里所有棘手、危险、离奇的保险事故交到他们的手中，总能抽丝剥茧，找出真相。　　电视剧的热播也把“保险调查员”这份职业推向公众的视野，令不少人充满好奇。其实这个职业并不神秘，也不冰冷，这一特殊的群体同样是拥有七情六欲的平常人。日前，记者走近一个普通的保险调查员张远，就让我们来了解一下他的酸甜苦辣吧！酸 不寻常的选择　　8年前，很多人还觉得医生是个“金饭碗”，可以救死扶伤，挽救生命。不过对于张远来说，他却抛下了这个“金饭碗”，做出了一个“不寻常”的选择。　　医学院毕业后，张远从医6年，而后转行成为保险调查员，这一干就是8年。　　见到张远时，已经是晚上8点，他刚从宝坻区的一个村子里结束理赔调查赶回公司，带着一身寒气。“这个时间没下班其实挺正常的。”张远一边说话，一边脱下两件羽绒服，又撕去贴在身上的三个暖贴。“这都是老婆让贴的。”张远笑着说。　　在张远看来，很多人不理解他的选择，也不理解他的工作，这让他时常有些酸楚。尤其是参加同学聚会时，昔日的同窗中已经有人成为医学领域的专家。“我不后悔这样的选择。”张远说，医生的工作是挖掘病因，而保险调查员的工作则是追求真相。　　“或许是跟我性格有关系吧。”张远说。他自认为自己是个爱较真的人，喜欢追根究底。“其实我所接触的寿险类保险调查员，包括我的同事们，多数都是医学专业毕业，从事过医生或者法医的工作。”　　保险调查员的工作不是想象中的那样简单，甚至对从业者也有一定的要求。　　“作为保险调查员，除了需要掌握医学、保险、法律方面的知识，还得懂得察言观色。”有了相应的专业知识，才能了解被保险人描述发病症状、就诊过程和事故经过是否符合医学常识。学会察言观色，才能初步判断被保险人是否隐瞒真相。这些对准确判断案件的真实性来说，缺一不可。　　在针对不同调查对象的调查取证中，张远总会听到这样的声音：“人家都生病了，怪可怜的，有什么好调查的？”“保险公司这么有钱还不赶紧赔偿，调查肯定是为了省钱！”面对这些不理解，张远说：“其实我们的调查也无非是了解真相，还原事实。同时尽快核实情况让绝大多数善良保险客户尽早拿到保险理赔金，让极少数骗保人无可乘之机。”辣 “辣手神探”追求真相　　我国的保险业发展迅猛，其中寿险已成为世界第二大市场，占据了全球市场份额的12％。人身保险保费收入更是迅速发展。保险业的巨变，带来了逐渐规范化的行业条例与逐步完善的法律法规，使得保险行业得以更有序高效的发展，保险行业正呈现出一片繁荣的景象。　　但是，在保险行业逐渐发展壮大的背后，伴随的“阴影”也随之逐渐扩大。　　面对保险行业的痛点，保险调查员在此刻显得格外重要。为了避免出现恶性保险欺诈行为、确保投保人与保险公司的合法利益得到保障，需要保险调查员坚持平衡保险利益，为保险企业以和保险消费者之间树立公平交易的桥梁。查处保险欺诈，使极少数欺诈者阴谋不能得逞，并震慑、阻遏有保险欺诈意图的人，这也是理赔调查的目的。　　说起保险调查员的工作，让张远印象深刻的是一场密谋的杀夫案，那一次他真的仿佛是“辣手神探”。　　事情发生在3年前，投保人赵红报案称丈夫刘某意外身故。就在刘某身故前的不到一个月，赵红刚为刘某投保了高额意外伤害险。保险受益人就是赵红。得知这一情况，张远和同事立即前往事发地进行调查。　　据张远回忆，当时赵红称刘某是从3米高的平房房顶上摔下致死，正如赵红所说，张远在现场看到了一个倒下的梯子和一些破碎的砖头。“从现场看上去，似乎很‘正常’。”不过，细心的张远在检查过程中发现，刘某四肢等部位没有明显外伤、骨折，脖子处却有一道很浅的痕迹。“多年的经验告诉我，这道颈前平行痕迹可能并不是‘意外’这么简单。”张远向赵红提出报警尸检，而赵红的反应更加印证了张远的猜想。　　“赵红对报警一事格外反感，坚持不同意报警。”张远说。“在有些人看来，我们要报警似乎是为了躲避保险赔偿。但实际上，我们要做的，是要追求事实真相。”最终张远还是决定报警，经过警方调查，证实了赵红杀害丈夫刘某的事实。赵红最终也受到了法律的制裁。　　“这是一个让我很心痛同时又很庆幸的案例。”张远说。“一半是天使，一半是恶魔。在巨额保险金的诱惑下，将黑手伸向自己的至亲家人。为诈取保险金杀人，也严重背离了保险的社会功能。”　　“我不会让一单应该得到理赔的被拒赔，也不会容忍一个以骗保为目的的不法分子。”守护好每一位当事人的合法利益，正是他一直的坚持。苦 感受绝望 收获感动　　在外人眼里这份工作是一个既轻松又自在的活，不需要天天坐办公室，查案还可以四处走。殊不知，从事保险调查员这份工作真的会遇到千千万万种困难与危险。车子陷入泥地，只能是自己想办法把车弄上来；不管刮风下雨，天气多么恶劣，有需要时都要第一时间出现在现场……有时客户不配合，态度强硬，甚至恶言威胁，还需要作耐心的说服工作，最终达成双方满意结果。　　“体验过无数次的绝望也收获无数次的感动。”张远说。“我是个很感性的人，会因当事人的喜怒哀乐而感同身受。”　　张远讲述了他印象深刻的一个案例。3岁的晓蓉患骨髓炎后下肢瘫痪。庆幸的是，在晓蓉出生不久，父母就为她上了重疾险。而张远登门的任务，就是核查晓蓉是否已经达到重疾的标准。　　“这是我们日常工作中比例很大的一部分，就是还原保险事故真实面目，使良质客户得到快速理赔，使保险公司按照保险合约兑现保障承诺。”张远说：“恶意骗保的终究是少数，没有那么多的‘人心险恶’。”　　当然，晓蓉确实符合理赔标准，张远也在第一时间完成了核查工作，希望能尽快对晓蓉做出理赔。“但是，那天晚上我离开晓蓉家后哭了。”张远说：“她和我女儿一样大，很天真。”他能感受到晓蓉父母的无助，以及对未来的迷茫。但是在疾病面前，每个人都太渺小了。“我能做的就是完成核查工作，陈述事实，让晓蓉能够尽快得到理赔。”　　张远说，每当遇到身故理赔的客户，他的心也跟着沉重起来——他们中有的是家中顶梁柱却因为意外轰然倒下，有的是人过中年痛失独子……一个生命的逝去，留下的是家人的无限悲凉。“我所能做的，也只有尽力去安慰生者，尽快协助完成理赔手续，希望那笔理赔款能让他们在接下来的岁月中不至于太过艰难。”甜 “多”赔偿 带去希望　　不过，张远说，理赔工作中也不都是沉重，“有一次，我们甚至还多赔偿了一部分。”　　被保险人刘某因摔伤导致胸部和上肢挫伤，之后向保险公司申请赔偿住院治疗费。按照流程张远到刘某家进行核查。张远在刘某众多片子和报告中发现，刘某曾在门诊拍摄过CT片，CT报告显示其有四根肋骨骨折。“他的情况已经符合保险伤残10级，而他的险种都买了，最终除了医疗费用的赔偿，保险公司又一并赔偿10％意外伤残保额。”张远说，这让刘某和家人都很意外。“他们只以为能赔偿住院治疗费。”　　“有些人得到理赔款而解除了沉重经济负担，还有对我们的工作感激不已的，对我们的服务赞不绝口的客户……这些对于我们来说，也是一份肯定。”张远说。　　有人说，保险调查员是一份看尽人间百态的工作：有人因“保险金”杀人，有人因“保险金”获得一份保障。在现实生活中，“保险调查员”的工作由于某些原因经常处于保密状态，所以他们很少公开出现在大众的视线里，这无疑又为这些调查员蒙上了一层神秘的面纱。　　实际上，保险调查员也是伴随保险业而存在的一项普通职业。只不过，他们品尝到了更多的酸甜苦辣。（来源：北方网）

     2018年10月初，国内某大型保险公司向广州市天河区警方报案，称其公司4名离职保险业务员骗取公司巨额业务佣金达百万余元，共涉及保费620万元。近日，经缜密侦查，天河警方抓获梁某等4名涉嫌诈骗的离职保险业务员，随后抓获冯某等4名涉嫌诈骗在职保险业务员。目前，8名犯罪嫌疑人已被警方依法刑事拘留。（1）“消失”的业务员，牵出多份“问题”合同2017年10月，国内某大型保险公司新推一款财富年金保险业务。该业务有三个保险品种，分一次性缴款、5年缴款和10年缴款。后两项缴款需投保人连续缴足5年或10年，期满后可随时取回本金，时间越长利润越大，若投保人中途取消，需承担相应责任。同时，为激励员工努力工作，该保险公司会在保单业务生成一个月后，支付签约业务员一定数量的佣金。2018年10月初，公司4名保险业务员突然离职，且4人都是业绩非常优秀的员工。与此同时，财务人员陆续发现，多份财富年金5年期合同在1年期满后，投保人未按期续交。公司遂致电投保人，但投保人留下的电话号码均为空号或无法接通。经公司核查，共发现多份“问题”合同，涉及保费620万元。合同经办人员均为蔡某等4名离职人员，且投保人留下的电话均为17开头，多数是连号。因无法与4名离职业务员取得联系，公司向天河警方报案。根据公司提供的情况，天河警方展开侦查，逐步掌握到4名离职业务员涉嫌诈骗的大量证据。经缜密侦查，警方锁定4名嫌疑人的行动轨迹，决定收网。11月22日，专案民警兵分四路，在荔湾、越秀区等地抓获涉嫌诈骗的广州籍梁某（男，29岁）、蔡某（男，28岁）、徐某（女，35岁）、苏某（女，29岁）4名离职业务员。经审讯，梁某等人对诈骗事实供认不讳，并指认，仍在公司上班的冯某等4人也存在诈骗佣金的行为。（2）诈骗过程四步走，既骗公司又骗客户2017年4月入职的犯罪嫌疑人梁某，在公司客户服务提升部工作。刚开始，梁某只负责打电话和客户预约，后来可以单独约见客户商谈保单事宜。据梁某交代，其刚入职时，一直严格按照公司的规定给客户签约保单。2017年10月，公司推出财富年金业务。那段时间，由于家庭经济紧张，梁某便想在财富年金“5年缴”项目下点“功夫”。他把“挣钱”计划告诉同组业务员蔡某、苏某、徐某，几人一拍即合。梁某所谓的“挣钱”计划，大致分为四步骤：第一步，预约。根据公司提供的名单打电话约见客户，客户同意后，分开单独会见客户。第二步，面谈。分为两种情况，客户经济条件好，能顺利缴交5年或10年保费，就按正常途径和客户签约；客户经济条件不是很好，就欺骗客户，说只用缴交1年保费，剩下的不用再缴纳。第三步，签约。对面谈的第二种客户，他们先约客户吃饭，宣传投保的种种好处。而客户一般会因为合同条款文字太长，没有仔细看内容，只是听他们讲解，不懂的地方顺便问一句。而他们则故意隐瞒合同缴费年限，误导客户签约保单。第四步，回访。在录入系统资料时，他们会把回访电话修改成他们事先准备好的电话号码。这些17开头的号码，100余元1张，他们在网上购买的。在公司回访时，他们冒充客户接听回访电话。面对公司回访中提到的“你是否清楚合同需要连续交5年”等问题，他们回答称清楚条款内容，没有意见。（3）纸包不住火，最终东窗事发根据常规，保单生效一个月后，公司就会按照规定的比例支付给他们佣金，4人再按比例分成。4人以此方法，先后骗取多名客户签约保单合同，骗取公司按保单合同支付百万元佣金。2018年10月初，他们负责签约的合同有的开始需要续费，想到公司肯定会发现问题，4人便关闭联络方式，逃之夭夭。他们自作聪明地认为，公司找不到他们，过段时间就没事了。然而，纸包不住火，涉事保险公司发现问题果断报警,他们终落法网。另外，采取相同的方式诈骗公司佣金的冯某等4名在职的保险业务员也已被警方依法刑事拘留，目前案件仍在进一步侦办中。警方提醒：保险业务员拉业务需循规蹈矩，切勿违法谋取不法利益，否则将会受到法律制裁。广大客户不要轻信保险业务员的口头承诺，一定要看清合同条款慎重签约。  （文章来源：界面）

7月24日，21世纪经济报道记者从广东银保监局获悉，2019年上半年，广东保险业(不含深圳，下同)资产总额达到1.02万亿元，首次突破万亿大关，同比增长8.12%。2019年上半年，广东保险业实现保费收入2397.40亿元，同比增长21.52%，其中，财产保险公司保费收入504.62亿元，人身保险公司保费收入1830.20亿元，总保费、财产险、人身险三项保费收入指标均居全国第一位。从财产保险业情况来看，广东保险业车险业务综合成本率96.18%，低于全国3.02个百分点，综合费用率36.00%，低于全国3.17个百分点，非车险业务实现保费增速31.07%，较全国高8.24个百分点；行业实现承保利润24.80亿元，较上年同期增加7.06亿元，承保利润率5.52%，同比上升1.17个百分点。从人身保险业情况来看，广东保险业原保险保费收入占规模保费收入比例82.32%，高于全国6.49个百分点。价值贡献较高的10年期及以上新单期交保费收入110.84亿元，同比增长11.15%，高于全国5.86个百分点。经营净现金流入942.34亿元，同比增长109.34%，高于全国11.77个百分点，上半年人身保险公司累计完成满期给付和退保859.66亿元，未发生一起因给付或退保引发的风险事件。险资服务实体经济建设方面，截至2019年一季度，保险资金在广东累计投资余额4907亿元。（文章来源：21世纪经济报道）

近日，山东省商河县公安局在其新浪官微上公布一则案情通报，披露了一起利用支付宝进行保险诈骗的典型案件，并借此提醒广大市民：君子爱财取之有道，法制社会创业守法致富才是正道！具体通报内容如下:关于袁某某保险诈骗案的案情通报2018年11月25日，山东省商河县公安局接到某企业员工袁某某报案称：自2016年以来，其名下的某宝账户被他人盗用，导致资金损失共计40余万元，并提供了银行流水等相关证据。为查清事实，商河县公安局刑警大队决定立案调查。经大量细致的工作，民警发现袁某某的账户资金流水来往繁杂，有大量购买理财产品投资的记录，而且时间跨度较长。针对这一情况，民警先后到各银行和相关网络公司调取证据，发现并证实每次操作均为袁某某本人所为，袁某某有重大诈骗嫌疑。2019年2月23日，袁某某被商河县公安局刑警大队传唤到案。在证据面前，犯罪嫌疑人袁某某如实供述了其因无法偿还所借贷款，遂以向公安机关报假案的方式，企图利用某宝“账户安全险”相关理赔政策诈骗保险金的事实。目前，犯罪嫌疑人袁某某因涉嫌保险诈骗罪被公安机关依法取保候审，该案件正在进一步侦办中。“幸福都是奋斗出来的”。君子爱财，理当取之有道，任何妄图凌驾于法律之上窃取不义之财者，必将受到法律的制裁。美好的生活，需要靠我们自己的双手奋斗出来！商河县公安局2019年3月4日“无底线式的安全保障服务”竟成滋生犯罪的温床从2005年起，支付宝就设立了“账户保险金”这种东西，并向用户承诺“你敢付,我敢赔”，也就是说如果你的账号被盗了会得到支付宝的全额赔偿。本来这是支付宝给广大用户的一颗定心丸，却无意中为不法份子提供了可乘之机，公开信息显示，近几年利用支付宝进行骗保的事件时有发生。综合类似案件，我们总结出以下几个套路：（1）找异地朋友登录你的支付宝，通过支付宝进行转账造成支付宝被盗刷假象，然后给支付宝打电话，说帐号被盗走，需要理赔。（2）通过支付宝进行转账，将自己的资金转移到熟人账户上，造成支付宝被盗刷假象，然后报警并骗取保险公司的理赔款。（3）谎称“手机被偷”，“支付宝被盗刷”，需要理赔。对此，支付宝高级安全专家张博表示有信心应对，他说：“随着支付宝风控的不断优化升级,账户被盗刷已经是一个极小概率的事，对那些投诉者自导自演的骗赔,我们的风控也能识别。”支付宝频频“亮剑”，近日宣布将联合全国26地公安反诈骗中心进一步加强严打除优化升级系统以增强内部的预防和识别能力外，支付宝还加强了与政府等相关部门的合作。2019年2月26日，在国务院打击治理电信网络新型违法犯罪部际联席会议办公室指导下，支付宝在北京举办“天朗计划大会”，宣布与全国26地公安反诈骗中心开展全面合作，呼吁像打击酒驾一样打击诈骗。【网警提醒广大市民】明明没有被盗却谎称被盗再找保险公司索赔，这是一种刑事犯罪行为。根据刑法相关规定，保险诈骗罪视情节严重和金额高低可判处有期徒刑并处罚金，数额特别巨大或者有其他特别严重情节的，最多可判处有期徒刑10年以上，“莫伸手，伸手必被捉”。【亿和温馨提示】虽然上述案件不是犯罪分子利用支付宝进行保险诈骗的首例，但从近两年发生的类似案件来看，总体呈上升趋势，再加上支付宝拥有的海量用户，预防和打击此类犯罪已成当务之急，应引起保险行业相关部门的重视。剧本再美终究是戏，入戏太深容易迷失自己！亿和呼吁广大支付宝用户，请珍惜我们的便捷，善用我们的支付工具，千万别鬼迷心窍去骗保，这可是要吃牢饭的！原创： 亿和公估 亿和保险欺诈防制服务平台