Chapter 3 Business Rules of the Internet Insurance Business Supervision Provisions (Draft for Comments)

Article 12 Insurance companies and professional insurance intermediaries shall implement centralized operations and centralized management of Internet insurance business.

If branches of insurance companies or branches of professional insurance intermediaries carry out Internet insurance business, they must obtain authorization from their head offices.

Article 13 If an insurance company or insurance professional intermediary institution conducts insurance business through a non-self-operated website, its head office shall sign a written entrustment cooperation agreement with the sponsor of the non-self-operated website to stipulate in detail the insurance products Types, insurance premium collection methods, website information technology service fees, publicity fees and other related fee settlement standards and methods, Internet insurance business transaction security measures, anti-money laundering management measures, complaint and dispute handling, emergency response and other matters.

Article 14 When insurance companies and professional insurance intermediaries carry out Internet insurance business, they shall disclose their own relevant information in a prominent position on the relevant Internet website pages. The disclosed information includes but is not limited to the following:

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(1) Business license issued by the China Insurance Regulatory Commission;

(2) Information published in the business license or electronic link identification of the business license;

(3) Insurance If a company entrusts a professional insurance intermediary agency to carry out Internet insurance business, both parties to the entrustment and cooperation shall disclose the scope and content of the authorization of the insurance company;

(4) Names of branches that have been established in accordance with the law in provinces, autonomous regions, and municipalities across the country , office address, service phone number.

Insurance companies and professional insurance intermediaries that have self-operated websites shall also disclose on their self-operated websites the names and URLs of the websites they cooperate with and other information.

Article 15 Insurance companies and professional insurance intermediaries that carry out Internet insurance business shall list insurance products and services and other information in a prominent position on the relevant Internet website pages. The listed information shall include the following content :

(1) The characteristics and risks of insurance products and the entities that operate and sell them;

(2) All terms and rate schedules of insurance contracts, which should include the following: Important reminders will be given on the hesitation period, insurance company liability exemption clauses, expense deductions, surrender, cash value of insurance policies, etc.;

(3) Insurance premium payment methods;

(4) The form in which the insurance contract is concluded, including the electronic insurance policy format, shall be clearly stated;

(5) The delivery entity and delivery method of insurance documents and insurance premium invoice vouchers;

(6) Insurance policy inquiry and policyholder consultation and complaint channels;

(7) Insurance contract underwriting, preservation, surrender, claims handling procedures and surrender and insurance payment methods;

(8) Protect the identity information of the policy holder (insured or beneficiary), insurance transaction information and insurance transaction security measures in accordance with the law;

(9) Other information required by the China Insurance Regulatory Commission .

Article 16: Insurance products sold through Internet websites must be approved or filed in accordance with the relevant provisions of the China Insurance Regulatory Commission, and be marked as “sold through Internet channels.”

Article 17: Insurance product-related information published on Internet websites shall be uniformly produced and authorized to be released by the insurance company's head office, and the information content shall be ensured to be legal, authentic, and complete.

Article 18 When insurance companies or professional insurance intermediaries carry out Internet insurance business, they shall prompt the policy holder with the following content before starting the insurance application process on the relevant Internet website page: "The policy holder or the insurance subject matter is under insurance." The provinces, autonomous regions, and municipalities directly under the Central Government where the company has established branches in accordance with the law are conducive to ensuring that policyholders or insured persons can obtain convenient insurance services.”

Article 19 Insurance companies and professional insurance intermediaries carry out insurance services. For Internet insurance business, a click confirmation link for the policy holder shall be set up in the insurance application process on the relevant Internet website page, and the policy holder shall confirm the following: “Have you read all the insurance clauses, understood and accepted them, including the clauses exempting the insurance company from liability, hesitation, etc.” Important matters including term, expense deduction, surrender, cash value of insurance policy, etc.

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Article 20 When insurance companies and professional insurance intermediaries carry out Internet insurance business, they shall list in detail the following content that should be filled in independently and truthfully by the policy holder in the insurance application process on the relevant Internet website page: The identity and contact information of the insured (insured or beneficiary), insurance subject matter, insurance amount, insurance coverage, insurance period, insurance premium and payment method, etc.

Insurance companies and professional insurance intermediaries should ensure that. All insurance information filled out by the policy holder can be connected with the core business system of the insurance company in real time.

Article 21 Insurance companies, professional insurance intermediaries and their employees shall not handle Internet insurance business activities. Have the following behaviors:

(1) Publish and post bad, illegal and harmful information on the website;

(2) Publish false insurance product and service information on the website;

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(3) Untruthfully stating the characteristics and risks of insurance products and their operating and sales entities on the website, as well as the hesitation period in the insurance contract, clauses exempting insurance companies from liability, fee deductions, surrender, and insurance policy cash value and other important matters;

(4) Exaggerate or disguisedly exaggerate the benefits of insurance products on the website;

(5) Forge insurance products on the website and sell them externally.

Except for the circumstances listed in the preceding paragraph, insurance companies, professional insurance intermediaries and their employees shall not violate Articles 116 and 131 of the Insurance Law when handling Internet insurance business activities.

Article 22: When an insurance company entrusts a professional insurance intermediary agency to carry out Internet insurance business, it shall clearly stipulate in the entrustment cooperation agreement that the cooperative Internet website shall comply with the requirements of these regulations and insurance. The compliance management obligations and corresponding responsibilities that professional intermediaries should bear, etc., strengthen the compliance management and control of the Internet insurance business of professional insurance intermediaries, and prevent and correct illegal activities such as defrauding policyholders by professional insurance intermediaries and their employees.

Article 23 Insurance companies and professional insurance intermediaries that sell insurance products through Internet websites and adopt the format of electronic insurance policies shall adopt effective security technology to ensure that all contents of the electronic insurance policies are legal, authentic and reliable , cannot be tampered with.

Article 24 Insurance companies or professional insurance intermediaries shall proactively remind policyholders through one or more methods such as counter, phone, text message, email, or online. Underwriting information, and provide necessary conveniences for policyholders to independently query insurance policy-related information 24 hours a day through counters, phone calls, text messages, online, etc.

According to the characteristics of Internet insurance products or policyholders. If a paper insurance document or insurance premium invoice is required, the insurance company or professional insurance intermediary agency shall deliver it to the policy holder within 5 working days from the date of establishment of the insurance contract due to special reasons. If it is served, it shall reach an agreement with the policy holder or explain the relevant situation to the policy holder in a timely manner. When providing insurance documents to policyholders, all terms of the insurance contract must be attached.

Article 25 Insurance companies should strengthen the after-sales service management of Internet insurance products to ensure that Internet channel policyholders enjoy insurance policy information inquiry, preservation, surrender, business reporting, claim settlement and other service standards The service standards enjoyed by policyholders through other channels are basically the same.

Article 26 Insurance companies and professional insurance intermediaries that carry out Internet insurance business shall open channels for complaints, handle various complaints and disputes in the operation of Internet insurance business in a timely and appropriate manner, and actively resolve conflicts and disputes. risk.

Article 27 If insurance companies and professional insurance intermediaries need to suspend Internet insurance business due to system failure, upgrade, debugging, etc., they shall promptly notify them in a prominent position on the relevant website page or in national media. Announcement.

Insurance companies and professional insurance intermediaries should formulate emergency response plans to effectively respond to the interruption of Internet insurance business due to emergencies, force majeure and other reasons to avoid the occurrence of accidents.

Article 28 Insurance companies and professional insurance intermediaries shall, in accordance with the relevant provisions of the China Insurance Regulatory Commission, carry out education and training for Internet insurance practitioners, including but not limited to laws and regulations, insurance business knowledge, professional ethics, etc. , establish a complete training file, and be responsible for the legality and authenticity of the training content.

Article 29 Insurance companies and professional insurance intermediaries that carry out Internet insurance business shall provide timely, comprehensive and accurate information through one or more of the following methods: counter, telephone, email, online, etc. To answer the public’s inquiries regarding the Internet insurance business.

Article 30: Insurance companies and professional insurance intermediaries that carry out Internet insurance business must truthfully record business income and expenditure.

Article 31: Insurance companies and professional insurance intermediaries that carry out Internet insurance business shall submit relevant reports, statements, documents and information in a timely, accurate and complete manner in accordance with the provisions of the China Insurance Regulatory Commission.

Article 32 Insurance companies and professional insurance intermediaries that carry out Internet insurance business shall properly keep all information generated by insurance contracts, Internet insurance business account books, relevant original vouchers and materials, and the storage period shall be self-insurance. Calculated from the date of termination of the contract, the insurance period shall not be less than 5 years if it is less than 1 year, and shall not be less than 10 years if the insurance period exceeds 1 year.

Insurance companies and professional insurance intermediaries should adopt technical means such as data backup and fault recovery to ensure the security, authenticity and integrity of transaction data and information related to Internet insurance business.

Article 33: Website sponsors that provide trading platform services for Internet insurance business shall verify the business qualifications of units that apply to carry out insurance business on this website in accordance with the law, and shall not interact with any entity that has not been approved by the China Insurance Regulatory Commission. Approval and cooperation with units and individuals that illegally operate Internet insurance business.