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内地保险业拟建「黑名单」制
阿思达克 11-11 08:27
据《上海证券报》报道,为保护保险消费者合法权益,切实防范化解保险欺诈风险,促进保险业健康可持续发展及社会诚信体系的构建,中国银行保险信息技术管理有限公司与中国保险行业协会共同牵头,联合11家保险公司成立了课题组,在充分进行行业调研後,研究制定《保险行业意外险风险名单评定指引》,即意外险「黑名单」、「灰名单」标准。

日前该指引日前正在业内徵求意见。据了解,该指引以六种风险行为和四级风险等级为框架,先依据风险行为对主体进行评定,明确是否列入风险名单,再根据风险行为客观事实对主体进行定级,判断其列入风险名单的风险等级。

六种风险行为包括:故意造成被保险人死亡、伤残或者疾病;故意虚构保险标的;对发生的保险事故编造虚假的原因;编造未曾发生的保险事故;夸大损失的程度以及故意不如实告知。

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