當前，保(bao)(bao)險(xian)已成(cheng)為很多消(xiao)費者防范家庭財產和人(ren)身(shen)遭受意外風險(xian)的優先選(xuan)擇(ze)，由于(yu)保(bao)(bao)險(xian)具備(bei)專業性和條件承保(bao)(bao)等特點，大連金融監管(guan)局建(jian)議廣大消(xiao)費者理性選(xuan)擇(ze)、依需購買，并做以下提示：
一(yi)、遵循誠實信用原(yuan)則，履行如實告(gao)知義(yi)務(wu)。實踐中，因投(tou)保(bao)(bao)(bao)(bao)人(ren)故意瞞(man)報病情或(huo)過失(shi)忽略形(xing)成瞞(man)報事(shi)實從而導致(zhi)保(bao)(bao)(bao)(bao)險(xian)(xian)公司拒(ju)賠(pei)的(de)案例屢(lv)見(jian)不鮮。保(bao)(bao)(bao)(bao)險(xian)(xian)法規定(ding)了投(tou)保(bao)(bao)(bao)(bao)人(ren)最(zui)大誠信原(yuan)則，即如投(tou)保(bao)(bao)(bao)(bao)人(ren)故意隱(yin)瞞(man)足(zu)以影響保(bao)(bao)(bao)(bao)險(xian)(xian)人(ren)決定(ding)是否同意承保(bao)(bao)(bao)(bao)或(huo)者(zhe)提高保(bao)(bao)(bao)(bao)險(xian)(xian)費率(lv)的(de)事(shi)實，保(bao)(bao)(bao)(bao)險(xian)(xian)人(ren)有(you)權(quan)解(jie)除保(bao)(bao)(bao)(bao)險(xian)(xian)合同并(bing)拒(ju)付保(bao)(bao)(bao)(bao)險(xian)(xian)金。因此，為(wei)避免(mian)糾紛與損失(shi)，投(tou)保(bao)(bao)(bao)(bao)人(ren)應當(dang)謹慎履約，切(qie)勿心存僥(jiao)幸。
二、審慎閱讀合同(tong)條(tiao)款(kuan)，提(ti)升自(zi)我保(bao)護意識。保(bao)險(xian)合同(tong)是保(bao)全(quan)、理賠(pei)和給(gei)付保(bao)險(xian)金時最(zui)重(zhong)要的依據，投保(bao)人投保(bao)前應仔細閱讀保(bao)險(xian)條(tiao)款(kuan)，尤(you)其是對投保(bao)人、被保(bao)險(xian)人限(xian)(xian)制權利、設(she)定(ding)義務的條(tiao)款(kuan)，重(zhong)點關(guan)注(zhu)繳費年限(xian)(xian)、免(mian)責事項、現金價值(zhi)、賠(pei)付條(tiao)件和比例等重(zhong)要內容，避免(mian)選(xuan)擇不適合自(zi)己(ji)的產品或自(zi)身疏忽引發糾紛。
三、及時查詢(xun)投保(bao)(bao)(bao)(bao)信息，確(que)保(bao)(bao)(bao)(bao)合同真實(shi)有效。當前(qian)保(bao)(bao)(bao)(bao)險(xian)公(gong)司(si)收取保(bao)(bao)(bao)(bao)費以轉賬為主(zhu)，切忌(ji)將保(bao)(bao)(bao)(bao)費以現金(jin)形式交(jiao)與任何個(ge)人或(huo)(huo)非(fei)正(zheng)規保(bao)(bao)(bao)(bao)險(xian)機構(gou)代繳。保(bao)(bao)(bao)(bao)險(xian)公(gong)司(si)承(cheng)保(bao)(bao)(bao)(bao)后會下發電(dian)子(zi)保(bao)(bao)(bao)(bao)單或(huo)(huo)紙(zhi)質保(bao)(bao)(bao)(bao)單，請及時通過保(bao)(bao)(bao)(bao)險(xian)公(gong)司(si)官網、客服熱線或(huo)(huo)門(men)店核(he)實(shi)自己所購買的保(bao)(bao)(bao)(bao)單是否承(cheng)保(bao)(bao)(bao)(bao)，核(he)對保(bao)(bao)(bao)(bao)單載明投保(bao)(bao)(bao)(bao)信息是否真實(shi)有效。
四、選擇(ze)正規銷售(shou)渠(qu)道，樹(shu)立風險防范(fan)觀念。銷售(shou)保(bao)險產品的(de)(de)機(ji)構都要取得(de)監(jian)管部門許可的(de)(de)牌照，購買前應查詢所購買機(ji)構是(shi)否具(ju)備(bei)合(he)法銷售(shou)資質。切(qie)忌(ji)直接將個人(ren)信(xin)息及相關(guan)材料(liao)交給保(bao)險銷售(shou)人(ren)員全權(quan)辦(ban)理投(tou)(tou)保(bao)事宜(yi)，無論傳統(tong)的(de)(de)紙面投(tou)(tou)保(bao)還是(shi)新(xin)型(xing)的(de)(de)電(dian)子(zi)投(tou)(tou)保(bao)，都應本人(ren)認(ren)真閱讀合(he)同條(tiao)款、填報信(xin)息并(bing)簽名確認(ren)；對(dui)于重(zhong)疾保(bao)險、萬能型(xing)、分紅型(xing)等(deng)保(bao)險應認(ren)真接聽保(bao)險公司回訪電(dian)話(hua)提示的(de)(de)關(guan)鍵內容，或者到(dao)正規經營場所詳細了解保(bao)險產品，做到(dao)對(dui)自己(ji)的(de)(de)合(he)法權(quan)益負(fu)責。
國家金融監(jian)督管理總局(ju)大連(lian)監(jian)管局(ju)網站
2024年6月28日
文章來(lai)源：國家金(jin)融監督(du)管理(li)總局網站(zhan)