Ignore the text message and refuse to answer the phone.

The financial industry is booming, new products are emerging one after another, and new tricks are constantly upgrading-what is this? What can I buy? What should I do? Many problems beset financial consumers, who could not help shouting "Give me a pair of eyes!" The more complex the world is, the more it needs to improve its discrimination. Based on this, the Du Nan Financial Information Department, jointly produced by Guangdong Banking Insurance Regulatory Bureau, Guangdong Banking Association, Guangdong Insurance Industry Association and Guangdong Insurance Intermediary Industry Association, will set up a column of "Financial Consumer Education" for a long time, aiming to build a platform for financial consumers to learn from regulators, financial institutions and industry experts. We will help you to be clear, understand and confident about every financial consumption by analyzing typical cases and answering questions. For more inquiries and complaints, please contact the email address: ndfi2019 @163.com.

After the mobile phone prompts "high-frequency call", it refuses to answer the phone and almost delays the payment of the premium. Aunt Zhou is experiencing such a thing this year.

After learning that her colleague had cancer, Aunt Zhou suddenly remembered the critical illness insurance she had taken out in her early years. However, the bank card that she authorized to pay the renewal premium has been deactivated, and the renewal premium cannot be successfully paid. When calling the customer service hotline of the insurance agency, Aunt Zhou discovered that she had made many mistakes.

The customer service staff of the insurance agency told Aunt Zhou that in recent months, the insurance company sent a number of reminder messages and called Aunt Zhou several times. Aunt Zhou said that she thought it was spam and ignored it; As for the phone number of the insurance company, Aunt Zhou refused directly after seeing the mobile phone prompt as "high-frequency phone". Since then, the salesman has contacted her many times, and she also ignored such calls.

Fortunately, Aunt Zhou found out in time that the bank card could not successfully pay the renewal premium and contacted the insurance institution. Finally, under the guidance of customer service staff, she "unlocked" her anxiety for many days.

suggestion

Regulatory authorities: reasonably identify high-frequency phones.

For many insurance consumers who have insured or renewed their insurance, it is extremely important to answer the phone and receive important information from insurance companies, and effective contact information and reasonable identification of high-frequency calls are the premise of obtaining important information in time.

remind

Failure to pay the premium in time is not only a loss of protection.

If Aunt Zhou fails to pay the premium in time, she will not only bear the consequences of losing the insurance, but also the insurance company may re-examine the insurance contract according to the consumer's physical condition, age, finance, professional level and other factors when applying for restoring the effectiveness of the insurance contract. It is not excluded that insurance contracts are excluded (some diseases and complications are not covered), premiums are increased or insurance is refused (specifically, the insurance contracts shall prevail). Therefore, timely payment of premiums is not only the obligation of the insured, but also the most important prerequisite for continued protection.

Risk warning

Fraud prevention is very important, so is protection.

Update information in time and identify high-frequency phones.

Intelligent service is in hand to escort your happiness.