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Complaint and ombudsman data announcement from Financial Ombudsman Institution were analyzed and compared, and life insurance appeal channels were discussed in this study. Nowadays life insurance appeal channels, including complaints department of insurance company, Financial Ombudsman Institution, customer service center of governments, consumer ombudsman officer, consumer protection groups, Legislator, brokers of insurance appeal. From first quarter of 101 to third quarter of 103, cases of claims complaint, claims ombudsman, non-claims complaint and non-claims ombudsman of life insurance were 4040, 2216, 3491 and 1879, respectively. Resolved ratios of claims and non-claims complaint cases were 45.1% and 46.2%. Reduce insurance dispute should collaborated by consumers, insurance companies and government agencies. Consumers should enhance their knowledge of the insurance awareness. Insurance companies should provide complete employees education and improve communication and coordination of departments. Executive, legislative and judiciary of government shall cooperate to reduce insurance disputes and protect the rights of the people. This study clarified controversial items of life insurance and offered methods of reducing insurance disputes. Can provide financial services industries and government make more concrete norms.
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