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承保机构被隐姓埋名 携程保险代理公司遭罚40万
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Topic: 承保机构被隐姓埋名 携程保险代理公司遭罚40万 (Read 82 times)
juetj4079
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承保机构被隐姓埋名 携程保险代理公司遭罚40万
December 04, 2017, 05:10:38 AM
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(原标题:承保机构被“隐姓埋名” 携程保险代理公司遭罚40万)
不久前,携程旅行网捆绑销售附加产品和服务一度引发热议。12月1日,上海保监局向携程保险代理有限公司(以下简称携程保代)开出总计40万元的罚单,称其2016年度通过携程旅行网销售保险产品过程中存在“未明确披露承保公司、代理销售主体,未明确披露产品条款信息及批备编号”等违法行为。
《每日经济新闻》记者调查发现,此前携程旅行网通过携程保代与保险公司合作的保险产品包括航意险、航空组合险、航空延误险、机票退票险、境内外旅行险、账户安全险等。
据了解,在线旅游代理商(OTA)热衷于销售保险产品与超高的渠道费用直接相关。有业内人士透露,部分OTA从航意险中获取的手续费收入最高可能达到九成。
被查出多种违法违规行为
在此前“携程捆绑销售酒店优惠券”成为热点讨论当中,手动取消隐藏在订票信息下的“预选保险框”的情况同样受到关注。《每日经济新闻》记者了解到,除搭售航意险等产品行为外,也有消费者对其“隐瞒与保险合同有关的重要情况”提起诉讼。
上海保监局对携程保代涉嫌违法一案的调查显示,2016年度,通过携程旅行网销售保险产品过程中存在违法违规行为:即在通过携程旅行网销售保险产品过程中,未明确列明承保主体和代理销售主体,未具体告知消费者承保公司、代理销售公司名称。此外,在保险订单确认环节,罗列了全部合作的多家保险公司产品条款链接和备案号,未具体披露消费者所投保的保险产品适用哪家公司条款及相应备案号。
针对携程旅行网这一保险销售中存在的问题,《每日经济新闻》记者采访知情人士获悉:“为了防范风险,携程旅行网此前选择多家保险公司同时提供服务,具体承保公司在投保前只给出一个明确的范围,保单最终落到哪家保险公司是通过系统自动匹配的。对应同一价格的保险产品,所有保险公司的保障内容和保障范围都是一致的,保额也是一致的。”
根据《保险法》第一百三十一条第二项的规定:“保险代理人、保险经纪人及其从业人员在办理保险业务活动中不得有下列行为……(二)隐瞒与保险合同有关的重要情况……”上海保监局披露调查及查处结果,对携程保险代理公司及负责人罚款合计40万元。
《每日经济新闻》记者查询国家企业信用信息公示系统,携程保代成立于2011年7月,注册资本金5000万元,法定代表人李小平,股东为上海携程商务有限公司(持股90%)和携程计算机技术(上海)有限公司(持股10%)。
较高渠道费用受诟病
“事实上,自航意险诞生以来,高额准垄断利润一直被渠道把持和获得,保险公司一直没有话语权,也无法获得与成本风险相当的利润。”有业内人士告诉记者。
一位财险公司人士对《每日经济新闻》记者表示:“这些航意险产品消费者服务体验较差,存在一些消费陷阱,如在不知道的情况下购买,产品的提示没有尽到告知义务,这背后实际蕴藏着巨大的经济利益。”
据记者了解,个别平台利用渠道优势,在与保险公司的合作中显得较为强势。一位与携程有过合作的保险公司内部人士如此描述:“和携程合作之初设计产品的时候,携程会将产品保费保额以及佣金情况发给我公司,如果我公司能接受,我公司就把产品设计出来,在保监会进行备案,然后在携程上进行销售。”
一位保险专业律师在接受《每日经济新闻》记者采访时表示,相关平台隐性搭售行为持续时间长,以渠道优势获得高额利益,造成保险公司侵害保险消费者利益的经营行为。
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