According to reports, with the promotion of the coordinated development of Beijing-Tianjin-Hebei, the insurance industry service synergy development supporting system is also in the pipeline. Recently, the China Insurance Regulatory Commission issued two drafts for consultation, and proposed to implement cross-regional filing operations for Beijing-Tianjin-Hebei insurance companies and insurance agencies. In the future, insurance companies are expected to conduct business in Beijing, Tianjin and Hebei, which not only expands the business area, but also brings many benefits to the people here.
It is understood that the business office or provincial branch of the insurance company's head office in Beijing, Tianjin and Hebei, as well as the national insurance agency legal entity registered in the Beijing-Tianjin-Hebei region, can pilot cross-regional operations, that is, outside their domicile. After the filing in the Jin-Yu area, there may be no branches to carry out insurance business activities. However, insurance companies with provincial branches have been established in Beijing, Tianjin and Hebei, and cross-regional operations are not allowed. The insurance company's cross-regional operation is subject to petitions and reports, and the report is handled by the insurance regulatory bureau; the agency involves the investigation and punishment of violations of laws and regulations, and the complaints and reports are handled mainly by the insurance regulatory bureau where the illegal acts occur. Registration with the Insurance Regulatory Bureau.
It has been one year since the China Insurance Regulatory Commission issued the "Guiding Opinions on the Collaborative Development of Insurance Industry Services Beijing-Tianjin-Hebei". The cross-regional operation of Beijing-Tianjin-Hebei Insurance Company means that the implementation of this guidance has been greatly accelerated.
In terms of industry development, insurance institutions can be encouraged to coordinate the distribution of pension and medical industries in Hebei and Tianjin, support the relief of Beijing's non-capital functions, and promote the integration and equalization of old-age health care services in the Beijing-Tianjin-Hebei region.
From the consumer level, breaking the insurance company's operating area restrictions will help to comprehensively establish the Beijing-Tianjin-Hebei insurance settlement claims payment system, and further facilitate the three insurance consumers. For example, it is possible to establish an electronic insurance policy for three-way integrated motor vehicle insurance and a quick compensation mechanism for motor vehicle traffic accidents, and to standardize traffic accidents to determine damage and claims service standards. Improve customer claims, especially different geographical compensation experience, while ensuring the same level of claims service, providing three-insurance customers with no difference claims.
In addition to different geographical compensation, breaking the insurance company's operating area restrictions will also help Beijing-Tianjin-Hebei to establish a three-information information sharing platform to promote mutual insurance and mutual recognition of auto insurance services among different insurance companies. The future three places are expected to realize auto insurance cross-company claims.
Ms. Zhang, a citizen of Xingtai, often needs to go back and forth between Beijing and Xingtai because of her business. She wants to buy a car in Beijing, but she has not shaken the number. In desperation, she has a license in Xingtai and entered the insurance. She believes that it is very convenient for her to speed up the establishment of a three-integrated motor vehicle traffic accident fast-track compensation mechanism. "If I go to Beijing to get out of the car insurance, I will immediately report it (risk) and immediately lose it, so I will be more convenient and more trouble-free. It is faster."
Traffic integration is an important part of the coordinated development of Beijing-Tianjin-Hebei. The guiding opinion of the China Insurance Regulatory Commission pointed out that it is allowed to break the operating area restrictions in the Beijing-Tianjin-Hebei insurance company and carry out the off-site business after the three-investment insurance regulatory agency has filed the record. Xingtai Ping An Property Insurance staff Bai Chunjuan said that insurance companies are not completely not allowed to operate across regions. "Basically, they do not operate across provinces. If you go out to Hebei to issue insurance policies in Tianjin, you may need to provide proof of residence or other formalities. Because of normal conditions. Next, the car belongs to Hebei, and it is insured in Hebei. If the customer crosses the area, the customer must have a proof of residence to be insured normally. Cross-regional operation is a good thing for the customer.†Ms. Zhang said that she can renew the insurance in different places. When the car insurance expires and you work in Beijing, you can continue to renew your insurance in Beijing without having to go back and forth."
At the same time, the guidance also suggested that the insurance legal person institution should be targeted to Tianjin and Hebei, so that the majority of car owners in Hebei and Tianjin choose insurance companies, and insurance companies with excellent service and fast claims will become their first choice.
As far as consumers are concerned, the number of optional insurance companies has increased and the competition between companies has become more intense, so that more price concessions can be enjoyed and service quality can be improved. The more competitive the market, the more transparent the price. Ms. Wang believes that the elimination mechanism can motivate companies to do better services.
ZHEJIANG FULE MINING MACHINERY CO., LTD , https://www.flmachines.com