这种局面已经改变。（资料图）
　　条款修改患艾滋病也可赔免责条款字加粗
　　 11月12日，记者在人保寿险山东分公司看到了该公司《康宁人生终身寿险(A款)》产品的条款。与以往保险产品条款给人的晦涩、难懂感觉不同，新款产品保单条款读起来更为通俗。目录上列着“您与我们的合同”、“您获得的保障”、“您的义务”等七项内容，每一项都一目了然。
　　 该公司业务部的王经理介绍，保单上对客户利益有重要影响的条款文字，保险公司还特意把字体加黑加粗。比如说“责任免除”这一项中“被保险人主动吸食或注射毒品”、“被保险人酒后驾驶”等保险公司不予赔付的情形，这些醒目的字体客户都能一眼看到。
　　 还有一些以前比较模糊的表述这次也得到了明确。比如说如何拒赔，以往在财产保险理赔中，从来没有规定。但是如今在人保财险山东分公司的新版产品条款中明确要求：“对不属于保险责任的，保险人应自作出核定之日起3日内向被保险人发出拒绝赔偿通知书，并说明理由。”
　　 另外，在人寿保险中，以往如果投保人有艾滋病，那么因此导致的身故死亡，保险公司不赔。如今，中国人寿山东分公司的免责条款已经将这一病种删除。这就意味着，患艾滋病也在理赔范围之内。
　　 服务升级迟付一天贴百元主动当起和事老
　　 “理赔难”是消费者对保险公司 服务最为不满的一点。在新《保险法》中明确规定，保险公司在收到理赔材料后，必须在30天内作出理赔结论，在60天内开始支付赔偿金。为了达到这一要求，各家保险公司也纷纷使出“浑身解数”，动起了真格的。记者了解到，从11月1日起，人保财险济宁分公司客户理赔中心及各营业网点在显著位置悬挂了车险理赔公开承诺的条幅与标牌，向社会公开承诺：“车险万元以下赔款，手续齐全24小时赔付，超时一天赔偿客户100元”。人保寿险山东分公司业务部的王经理介绍，从10月份开始，该公司全省的平均理赔时间已经从7天缩短到5天，全部案件均在30天之内结案。
　　 “以前车主开车把第三者撞伤，双方多半会因为赔偿金而打场官司，最少也得花费半年的时间。现在我们在尝试主动当‘和事老’，将投保的车主和第三者召集在一起，先进行调解，根据协商的结果，保险公司可以直接向第三者支付一部分赔偿。”人保财险山东分公司的刘经理说。
　　 另外，记者了解到，为了加快理赔速度，人保财险已经在全省设立了300多个远程定损点，这些定损点都安有摄像头，可以将受损车辆的画面实时传至总部，定损专家们可以立即做出准确结论。
　　 市场变化几百款产品退市市场将更加规范
　　 10月1日新《保险法》的实施引起了保险市场的风云变幻。来自于保监会网站的信息显示，中国人寿停售或调整120余款产品，中国太保也有180余种产品在停售或调整范围内，中国平安已有8款产品停售。
　　 记者了解到，大部分公司主要是对原有产品进行适应性修改，使条款说明符合新《保险法》的要求。改造后的保险产品价格基本保持稳定，保障范围有所扩大，部分产品价格出现10%-15%的上浮。
　　 在新《保险法》实施引起的这场波动之中，不得不提的是，9月份各保险公司保费收入均出现井喷。老产品停售，新产品将涨价成为保险代理人在新《保险法》实施前的推销理由，很多投保人也纷纷赶着搭末班车。据业内人士透露，省内一家大型保险公司的一款产品，在9月当月就卖出了1.5亿元。
　　 另外，业内人士表示，新法将有助于规范市场。“新法实施之后，投保人投保更加严格和规范。过去只要有身份证复印件就行，现在投保人必须提供身份证复印件正反两面，而且体检更加严格。过去50岁以上的人必须体检，现在根据所保项目和保额不同，30岁的人可能也要参加体检，体检概率大大增加。这样做，避免了骗保或者纠纷的发生，让保险市场可以变得更纯净些。”
　　 本报记者 杨珂■核心提示■
　　 新《保险法》已经实施1个多月。连日来记者采访发现，按照新法的要求，各大保险公司普遍对产品进行了升级改造，切实照顾了客户的利益。另一方面，为了在理赔时间上能够符合新法的要求，保险公司也开始变被动为主动。

 

The new "Insurance Law" was implemented more than a month, insurance companies have to upgrade service
AIDS also receive payment one day late payment and lose 100 yuan
2009-11-15 Author: Reporter Yang Ke


This situation has changed. (Data Chart)

Suffering from AIDS can also modify the terms of the compensable Disclaimer bold characters
November 12, reporters in the People's Insurance Life Insurance Shandong Branch to see the company "Corning Life Whole Life Insurance (A section)" product provisions. Terms of insurance products in the past, gives the obscure, hard to understand feeling different, read the new terms in a policy is more popular products. Directory above the "Your contract with us," "you get protection," "Your obligations" seven elements, each at a glance.
The company's business unit Mr.Wang introduction, the policy on the client interests with important influence in terms of writing, the insurance company has also deliberately add black bold font. For example, "Indemnification" This is one of "the insured person or smoking or injecting drug initiative," "drink driving, the insured person" and other non-payment of insurance companies, and these customers can be an eye-catching fonts to see.
There are also more ambiguous statement earlier this time has also been clear. For example, how the exclusions, property insurance claims in the past, never silent. But now in the People's Insurance Insurance Shandong Branch of the new products in terms of explicit requirements: "The responsibility does not belong to the insurance, the insurer shall be made within 3 days from the date of approval to the compensation for the insured person notice of refusal and the reasons for . "
In addition, life insurance in the past, if the insured has AIDS, then it leads to death of death, insurance companies do not lose. Today, China Life Insurance Shandong Branch of the exemption clause has been deleted this diseases. This means that the risk of AIDS is also within the scope of claims.
Services posted a day late payments hundred dollars to upgrade the initiative and became a peacemaker
"Claims is difficult" is a consumer of insurance companies are among the most dissatisfied with the point. In the new "Insurance Law" clearly provides that insurance companies receive claims material, must make claims within 30 days of the conclusion within 60 days, begin paying compensation. To meet this requirement, individual insurance companies have resorted to "all the stops," moving from the real. This reporter learned that, from November 1, the People's Insurance Insurance Claims Center and Customer Jining branch outlets in a prominent location at the auto insurance claims public commitment to the banners and signs, public commitment to the society: "auto insurance million The following compensation, procedures and complete 24 hours paid, overtime compensation for clients 100 yuan a day. " PICC Life Insurance Shandong Branch Business Unit Mr.Wang introduced from October, the company claims the province, the average time is from 7 days to 5 days, all cases were completed within 30 days.
"In the past the owner drove to a third party was injured, the two sides will likely be due to compensation, while those lawsuits have to spend at least half a year's time. Now we are trying to take the initiative when the 'peacemaker', will be insured owners and third party convened in the together, the first mediation, according to results of the consultations, the insurance company directly to a third party pay a portion of compensation. "PICC P & Mr Liu said the Shandong branch.
In addition, the reporter learned that, in order to speed up the claims rate, PICC Property Insurance has been the province will set up more than 300 long-range damage points, those points will damage security in web cam pictures of damaged vehicles can be spread to the overall real-time Department, will damage the experts can immediately make an accurate conclusion.
Changes in the market hundreds of product to market will be more standardized delisting
October 1 New "Insurance Law" caused the implementation of the changing insurance market. Web site information from the China Insurance Regulatory Commission show that China Life to stop selling or adjust the balance of 120 products, China Pacific Insurance has more than 180 kinds of products in stock or adjustment within China has 8 products Ping sale.
This reporter learned that most companies are mainly the original product adaptation, so that shows compliance with the new terms of "Insurance Law" requirements. After transformation, the insurance product prices remained stable, expanded the scope of protection, some product prices 10% -15% of the float.
In the new "Insurance Law" was implemented among the fluctuations caused by this and had to mention that in September premium income of insurance companies are making blowout. To stop selling old products, new products will be price increases to become insurance agent in the new "Insurance Law" before the implementation of marketing reasons, many of the insured also have to catch a last bus ride. According to industry sources, a large insurance company in the province of a product, in September the same month sold 150 million yuan.
In addition, industry sources said the new law will help regulate the market. "After implementing the new law, insurance policyholders more rigorous and standardized. In the past as long as a copy of the line of identity cards, and now the insured must provide a copy of both positive and negative identity, but more rigorous examination. People over the past 50 years of age must be medically cleared, and now According to Paul project and the sum insured is different from 30-year-olds may have to take an examination for medical probability of greatly increased. By doing so, avoiding the potentially fraudulent or disputes arise, so that the insurance market could become something more pure. "
The core of our reporter Yang Ke ■ ■ Tip
The new "Insurance Law" has been implemented more than 1 month. In recent days reporters found that, in accordance with the requirements of the new law, the major insurance companies are generally products were upgraded to effectively take care of the customer's interests. On the other hand, in order to be able to meet the claims of time the requirements of the new law, insurers have begun to change from passive to active.

Source: Qilu Evening News