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內地保險業擬建「黑名單」制
阿思達克 11-11 08:27
據《上海證券報》報道,為保護保險消費者合法權益,切實防範化解保險欺詐風險,促進保險業健康可持續發展及社會誠信體系的構建,中國銀行保險信息技術管理有限公司與中國保險行業協會共同牽頭,聯合11家保險公司成立了課題組,在充分進行行業調研後,研究制定《保險行業意外險風險名單評定指引》,即意外險「黑名單」、「灰名單」標準。

日前該指引日前正在業內徵求意見。據了解,該指引以六種風險行為和四級風險等級為框架,先依據風險行為對主體進行評定,明確是否列入風險名單,再根據風險行為客觀事實對主體進行定級,判斷其列入風險名單的風險等級。

六種風險行為包括:故意造成被保險人死亡、傷殘或者疾病;故意虛構保險標的;對發生的保險事故編造虛假的原因;編造未曾發生的保險事故;誇大損失的程度以及故意不如實告知。

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