On December 11, the “Interim Measures for the Supervision of Internet Insurance Business (Draft for Comment)†(hereinafter referred to as the “Measuresâ€), which has been long-awaited by the industry, was finally released, and for the first time, the scope of business of each insurance product was clearly defined.
According to the method, in addition to accident insurance, term life insurance and ordinary life insurance, the insured or the insured is the individual's family property insurance, liability insurance, credit insurance and guarantee insurance, and can independently, completely and completely achieve sales, underwriting and claims through the Internet. In addition to the property insurance business of the whole process service, the insurance business's Internet business operation area shall not be extended to the provinces, autonomous regions and municipalities directly under the Central Government where the branch office is not established. In particular, the life insurance products and motor vehicle insurance products with high cash value shall not be extended to the provinces, autonomous regions and municipalities directly under the central government where the branches are not established.
In this regard, Yan Guozhu, a professor of finance at the Capital University of Economics and Business, believes that the reason for the limited auto insurance sales is not because of the difficulty of different geographical compensation, because although some insurance companies have limited branches, branches of large companies like China Insurance are covered. Wide, even if the insurance is sold off-site, there is no big problem with subsequent claims.
Therefore, the reason for the limited auto insurance sales area, Professor Yan said, “may involve the interests of insurance companies everywhereâ€, that is, regional resources. More than 70% of the premiums of property and casualty insurance companies come from auto insurance. For most property insurance companies, auto insurance is a kind of insurance. Many insurance companies may have the idea that local vehicles are not expected to be covered by foreign insurance companies.
"So on the one hand, it may be due to the importance of local resources to insurance companies, in order to balance the interests of insurance companies; on the other hand, it can prevent moral hazard and prevent fraud," Professor Yu concluded.
According to conservative estimates by experts, about 20% of auto insurance claims are fraudulent. In the four years of 2003-2006, seven insurance companies with 90% market share in Beijing have lost about 2.8 billion yuan in insurance losses. The owner or the unscrupulous owner has deliberately created an insurance accident, or transferred the flowers, transferred the insurance liability, or falsely reported the accident, used the fake invoice to defraud the insurance compensation, and even used an accident to claim compensation from a number of insurance companies.
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