The part of non auto insurance "see a single charge" rules for the implementation of the management system (for Trial Implementation)

In order to further standardize the Liaoning province property insurance market order, effectively curb the virtual linked premiums receivable illegal refund problems, and comprehensively improve the adequacy of premium for insurance companies, to ensure non auto insurance business "see a single charge" the smooth implementation of the management system, according to the Liaoning bureau "insurance" see a single charge "implementation plan" management system of non Liaoning Province, the implementation rules are formulated.

A non auto insurance ", see the significance of implementing a single charge"

(a) to solve the current problems of the insurance market for many years "virtual linked premiums receivable", "non payment of fees" and other violations of laws and regulations, improve the operating data authenticity.

(two) to further consolidate the "see a single charge" work, to prevent migration of auto insurance premiums receivable to non auto insurance, guarantee insurance fund flow security and compliance.

(three) for binding the insurance companies and insurance intermediaries operating behavior, and urge insurance institutions and intermediaries of compliance management, effectively inhibit the unfair competition and the illegal behavior, stability of insurance market operation, prevent and dissolve market risk.

(four) to reduce the insurance agency business risk, promote the upgrade the management level, improve the service quality, and earnestly safeguard the legitimate rights and interests of the insured.

Two, non auto insurance "see the basic definition of a single charge"

Non auto insurance business "see a single charge" refers to the insurance company or financial core business system according to the full insurance premium fees are recorded information, real-time verification and automatically generates the only effective instruction, business system can be created in the formal policy. Our formula (or card) business "see a single charge" refers to the insurance company or financial core business system according to the full insurance premium fees are recorded information, real-time verification and automatically generates the only effective instruction, will be policy Bulu to system.

(Note: our business is in accordance with the relevant provisions, sales did not achieve a single computer networking, policy original information not real time to enter the company core business system, the need for manual will insurance information collection to the service system of insurance business, including a variety of Hand formula and manually fill in the form.)

Three, non auto insurance "see the steps of a single charge"

In view of the non auto insurance business a wide variety and complexity, in order to ensure the "see a single charge" effective implementation of management system, to avoid the inconvenience to customers from non auto insurance, "see a single charge" the implementation of the management system and the impact on the insurance service, according to the CIRC Liaoning Bureau, "Liaoning province" non motor insurance see a single charge "implementation plan" management system requirements, the implementation of non auto insurance "see a single charge" management system will take "be arranged, limited conditions, step by step" method. All non auto insurance is divided into control system of "see a single charge", limited conditions "see a single charge" and not for "see a single charge" three segment type. The first step is to choose the conditions are ripe to implement simple insurance system control "see a single charge", the second step for more complex categories according to the actual situation gradually realize the condition of "see a single charge", the third step is to not suitable for system control is not suitable for the conditions to implement the "see a single charge" non auto insurance, establish self-discipline, the discipline inspection and the financial statements and other forms, strictly control the premium settlement period, to prevent the occurrence of death and false accounts receivable.

Four, system control "the implementation of standards see a single charge"

(a) for insurance

1, in addition to the comprehensive insurance for all home insurance business.

2, all guarantee insurance business.

(two) the concrete operation standard

1, the insurance company or financial core business system can real-time confirmation premium fees are recorded information, and automatically generates the only effective instruction, the business system is generated based on the formal policy (including the scope of correcting plus fees) or allow the Bulu business. Mainly divided into three kinds: premium payment card charge:

(1) general business: the insurance core business system to generate the insured system only business code to UnionPay (or bank) sent to the charging information, to obtain the UnionPay (or bank) return the payment after successful information, can generate and print a policy.

(2) foreign policy (insurance) business type: the insurance core business system to generate system in the collection policy only business code to UnionPay (or bank) sent to the charging information, to obtain the UnionPay (or bank) return the payment after successful information, will be the business record to the system or generation effective policy in the system.

Cash charges:

(1) general business: the insurant or the insured person in the agency or insurance company counters to cash to pay the premium, agency or insurance company counters shall be at a premium, the premium to the insurance company for the credit card will be designated account, to obtain UnionPay (or bank) return the payment after successful information, we can generate and print a policy.

(2) foreign policy (insurance) business type: the insurant or the insured people settled in cash premium, the insurance company should be at a premium, the premium card will equal into insurance company designated account, to obtain the UnionPay (or bank) return the payment after successful information, will be the business records in the system and generate effective policy.

Check fees:

(1) general business: the insured or the insured to pay premium to check, insurance company can be insured operation is normal, after the cheque to the insurance company designated account, designated by the insurance company for artificial charge confirmation in the system, we can generate and print a policy.

(2) foreign policy (insurance): type of business by cheque clearing premiums, the insurance company shall be the check arrived company designated account, designated by the insurance company for artificial charge confirmation in the system, will be operational record to the system and generate effective policy.

If the insurant or the insured person take payment other, should also meet the above requirements, which must confirm the premium information, we can proceed to the next step operation.

2, for the general business, insurance company's core business system and financial system if the self insurance operation and 10 natural days, did not do the charge confirmation, the system shall automatically cancel the insurance information.

3, our type policy or insurance business, such as premium confirm time later than the security time 30 natural day, automatic control system shall not record business or generate effective policy in the system.

4, the insured or the insured to pay premium transfer, network bank, telegraphic transfer, collection, the "see a single charge" standard according to "check fee" standards.

5, the insurance company should strengthen to the artificial charge confirmation rights management operations of the financial staff, designated person artificial charge confirmation operation, and in 2009 October 31 days before the designated person case reported to the Liaoning provincial insurance industry association for the record. If the operating personnel exchange, shall within 5 working days of Liaoning Insurance Industry Association for the record.

6, for the general business, insurance company system operation in insurance charge confirmation confirmation or print the policy, can not be revoked. The insurance company will confirm the time, the premium core business system to generate valid policy time print on the policy, time accurate to. Between the two should be consistent with the logical relation, namely the charge confirmation time not later than the time to generate a valid policy.

7, our type policy (insurance) business, insurance companies charge confirmation operation system in the collection policy, can not be revoked. Should be able to query the premium to confirm the time, Bulu policy time and protect the insurance system in time.

8, the insurance company should be in strict distinction between agency business, the business and marketing business, strengthen the sales channel management.

9, the insurance company will correspond to the premium payment and cash and credit card information, can not use artificial premium charge information confirm.

10, by cheque payment, insurance institutions should to the insured or the agency issued a transfer cheque receipt. Checking receipt shall be printed on the system, and is associated with the business code. The system response time, the bank bill charge account notice time and keeping time of automatic check and control.

General business 11, by cheque clearing premium, insurance period to determine the insurance core business system, the insurance period shall not be earlier than the date on cheque account, the premium has not to date account in terms of insurance, can not generate effective policy.

12, the insurance system should increase the relevant statistical inquiry function, which can real-time query policy corresponding premium fees to confirm the time, system generated effective policy and policy print time information.

13, the insurance company shall strengthen the single point of distance (Agency) user permissions and access network management, prevent illegal access by locking the telephone number, hardware signature, special access equipment and other means, to ensure that the remote single point are insurance companies authorized unit. The agency for cooperation, the insurance company shall timely cancel the user permissions and recovery related equipment and policy.

14, the company should be in 2009 October 31 days before the company to carry out insurance and guarantee insurance all risks to the Provincial Association for the record, including the name, code, insurance categories, a single type (general business, foreign - policy). In accordance with the regulations can not execute "see a single charge" categories should be reported to Provincial Association, the Provincial Association for examination and approval may not be incorporated into the categories of "see a single charge" management system.

Five, the specific implementation arrangements

(a) system

The company to carry out system reform and personnel training work, be sure to 2009 October 31 days before the completion of system transformation.

(two) acceptance

(1) in November 1, 2009, the company reported to the company to the Liaoning Provincial Association of insurance industry, and puts forward the approval application. Association of the acceptance of the company system transformation and the "see a single charge" readiness. Approval content mainly includes the system reform, training of personnel and the agency agreement etc..

(2) shall provide the acceptance of the material:

The approval application;

"See a single charge" system transformation shows (including flow charts);

Company or bank cooperation agreement with China UnionPay copy;

Cooperation Agency (address, contact person, telephone list)

Artificial charge confirmed list of responsibilities (name, Department, position, phone).

(three) the implementation schedule

Since October 1, 2009, began trial operation, the current premium income model and the "see a single charge" two forms and "see. Since November 1, 2009, the insurance premium of a single "formal implementation management system.

Six, the implementation requirements

(a) the company shall strengthen the organization and leadership of this work, by the general manager responsibility system, pay close attention to the transformation, improve business processes, establish effective management system, to ensure timely completion of work according to the requirements.

(two) the company should strengthen the agency management, according to the requirements of revised and re signed a cooperation agreement.

(three) the company should pay close attention to the cleaning of premiums receivable, shall not provide premium turnover to the agency in any form.

(four) the importance of each company should fully understand the work, do a good job of client explanation propaganda work in advance, obtains the customer's understanding and support. Municipal Association of local agencies responsible for non auto insurance "see a single charge" the implementation of the system, do a good job in the relevant inspection and supervision work, and responsible for non auto insurance "see a single charge" of the work of propaganda and explanation in the local.