An insurance policy that has been paid for 4 consecutive years, but after paying the premium in 2019, it was suspended by Fude Life Insurance Co., Ltd. (hereinafter referred to as Fude Life Insurance).
In August 2020, Ms. Xu, who was 8 months pregnant, found Fude Life Insurance after nearly a year of suspension of insurance. The insurance company then learned about the suspension of Ms. Xu's insurance policy.
On October 13, Ms. Xu reported the situation to the Inner Mongolia Morning News. Ms. Xu said: "Without notifying the customer, Fude Life Insurance terminated my insurance policy and did not have any notice in the past year. After receiving my complaint, as an insurance company, I did not have a positive attitude to deal with it for two months. I completely lost my trust in this company. I asked Fude Life Insurance to fully refund the insurance."
The price of insured products has risen, and the policy has expired
According to Ms. Xu's husband, Mr. Sun, this insurance was paid in 2015. "In 2016, the Hohhot Central Branch of Fude Life Insurance Co., Ltd. (Hohhot Central Branch of Fude Life Insurance Co., Ltd. ) left his post. Since then, no insurance salesperson has contacted himself."
Since the insurance type of insurance is more suitable, Mr. Sun and Ms. Xu have been paying insurance fees on their own since 2017.
In October 2019, Mr. Sun paid the insurance premium for the next year to the bank account determined when he was insured, but what he did not expect was that the insurance premium paid this time was not deducted because the price of the product he insured increased.
. Since the SMS prompt function was not enabled for the bank account before, Mr. Sun was not aware of this matter.
What’s even more strange is that Fude Life Insurance Hohhot Branch was not aware of this and terminated Ms. Xu’s insurance contract after 60 days.
Mr. Sun told reporters that in August 2020, my wife had an emergency when she visited the hospital. She thought about whether this insurance could provide her with a guarantee, but she did not expect that her wife's policy would expire. Only then did she know that the insurance premium paid in October 2019 was not deducted because there was a difference in the payment amount.
Mr. Sun said: "In 2017, because the insurance policy needs to be extended, I took the initiative to contact Fude Life Insurance Hohhot Branch. There were also staff members who connected, but after the docking, no staff contacted me again. The annual premium was paid by myself."
Fude Life Insurance: Sales staff resigned, resulting in
After receiving Ms. Xu's report, a reporter from Morning Post Media called to contact a manager named Wang of Fude Life Insurance Hohhot Branch who was responsible for handling the matter.
She said: "The incident occurred due to the resignation of Ms. Xu's sales staff. After communication with the Inner Mongolia Branch of Fude Life Insurance Co., Ltd., I was willing to re-examine Ms. Xu's insurance policy. However, the customer requested a full refund, but the company did not agree at present."
During the communication with reporters, Manager Wang always believed that as long as the customer is exempted from late payment fees and interest, restoring the insurance policy should be a good thing for the customer. There is no positive answer to whether the company should bear the corresponding responsibility for the cancellation of Ms. Sun's insurance policy due to personnel flow. After negotiations with
, the insurance company agreed to refund the premium
14, after active contact by Morning Post Media reporters, Mr. Sun received a call from Fude Life Insurance Hohhot Central Branch, asking him to go to the company to handle it on October 15.
On October 15, Mr. Sun and Ms. Xu went to Fude Life Insurance Hohhot Central Branch and met a manager named Feng and Sarina, the head of the after-sales department.
But Ms. Xu was very angry about the communication process. She said: "They said that after I changed my mobile phone number in 2016, I did not communicate with the insurance company in time. But in 2017, a staff member of the Hohhot Branch of Fude Life Insurance recorded my phone number changing.”
On the same day, Sarina took out a recording of Ms. Xu’s insurance-related matters in 2020. The recording showed that Ms. Xu had received a message from the Fude Life Insurance platform before.
In response to this, Ms. Xu questioned: “ Since I changed the phone number and did not notify the insurance company, why would the Fude Life Insurance platform send a message to the fee after I changed my number? ”
final , manager Feng surnamed Sharina communicated with the Inner Mongolia Branch of Fude Life Insurance Co., Ltd., and agreed to refund Ms. Xu's 40,295 premium paid for 4 years, and after 10 working days, the money will be returned to the account designated by Ms. Xu. After
10 working days, whether Ms. Xu can get a refund of the policy as promised? This newspaper will continue to pay attention.
Source: Inner Mongolia Morning News Reporter: Zhang Ying
Editor: Zhao Pengfei
333
