The most effective way to complain about insurance companies

1. Call the complaint hotline of China Banking Regulatory Commission 12378, the hotline for consumer complaints and rights protection of bank insurance: 12378 (9:00- 17:00 on working days). This is one of the most effective complaint channels in the insurance industry. The reason why the effect is the strongest is that "12378" is the direct channel to the highest insurance supervisor.

2. Mail the complaint materials to China Banking Regulatory Commission.

3. Complain to the insurance company headquarters

The hotline 12378 was opened in CBRC on April 20 12, which was the first in the whole financial supervision system. 12378 is an insurance consumer complaint hotline dedicated to protecting consumers' legitimate rights and interests. Complaints are useful if the contents of consumer complaints are within the scope accepted by the Insurance Regulatory Bureau. Last year alone, the number of complaints reached 937 19, with an average of several hundred per day.

Therefore, everyone needs to know whether their case is within the scope of acceptance before complaining. And before calling "12378", it is suggested to communicate with the insurance company first, and then make a complaint if the other party makes trouble without reason.

Sometimes 12378 may not get through because there are too many people calling this hotline all over the country and the line is busy. Even if you get through occasionally, it is difficult for many people to explain the reasons clearly, and sometimes other complaint materials are needed, so it is difficult to solve a phone call at one time.

A more effective way is to mail the materials to the CBRC to complete the complaint.

In fact, if you directly call 12378 to complain to the CBRC, the CIRC will also hand it over to the insurance company for handling according to the regulations, so that you can save time and directly find their headquarters complaint telephone number in official website, which is also an effective way to complain.

Transferring from 12378 to an insurance company has a sense of supervision and more dignity. After all, insurance companies are strictly controlled by the CBRC.

If you complain directly at the headquarters of the insurance company, everyone's attitude and rights may not be guaranteed.

People think that insurance claims are too slow, or they don't pay if they don't pay. It is more caused by insurance salesmen pursuing short-term interests and misleading sales.

Once there is a problem, the insurance company can muddle through for the benefit, and there will not be too many positive attitudes.

So you can try to complain to the insurance company headquarters first, and if you can't get an ideal solution, you can also complain to the CBRC.