First, the requirement of double recording of insurance.
1. As mentioned above, there must be a definite reply or response from the insured when recording and video recording.
2 "Double-recorded" audio-visual materials shall be true, complete and continuous, and the facial features, conversation contents, relevant certificates, documents and signatures of the personnel can be clearly identified, and no editing in any form shall be conducted after recording. 3. Preservation period of audio-visual materials and documents: 5 years to 10 year from the date of termination of the insurance contract; If there is a dispute, it will be retained for two years after the dispute is over.
Second, what information do you need to prepare for double recording?
1. All signature materials need to be returned.
2. Pure micro-projection does not support double recording, so it is recommended to use micro-electric integration and power projection. (Taikang) Presentation of recorded content: valid certificate of sales staff; The paper version of the insurance notice, product terms and exemption clauses. Description: To fulfill the obligation to make clear the description, product liability and other relevant information to the insured. Answer: The insured gives a clear and affirmative answer to the contents of the explanation. Be clear, understand, understand, etc. Sign the bill: the insured personally signs and transcribes the risk warning text of the insurance application.
Special reminder
1. When the investor and the insured are not the same person, the investor and the insured must be present, and the guardian of the next generation of the insured must be present. In the process of double recording, the agent, the applicant and the insured (guardian) should always appear on the screen and must not leave halfway.
2. The documents produced by the agent and the client, the text content and signature copied by the client must be clear and debatable.
3. The expense deduction details and policy exemption clauses of universal insurance must be read one by one. Skipping or omitting is prohibited.
4. Double-recorded videos must be continuous and complete, and the audio and video should be synchronized without interruption. Once interrupted, it must be re-recorded.
5. Taikang agent double recording: during the self-check of Mss system, double recording is prompted. You can receive the prompt in' Taikang Marketing' App and operate the double recording process in this software.
6. After normal re-insurance, if a double insurance policy is needed, it will not be underwritten without double insurance. The double-recorded content is unqualified, and the' Thai Marketing 'App will prompt the quality inspection notice. Re-recording must be completed within 15 working days after receiving the notice, and it will be invalid after the deadline.
7. The double-entry policy shall be subject to 100% quality inspection. If there is any problem, the agent will be punished according to the quality management method.
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The word "double recording", as its name implies, is audio recording and video recording. That is to say, when the agent is entrusted by the insured, he should record and keep the evidence. This is actually a protective measure, which is good for consumers and insurance salesmen. 2065438+In June 2007, the China Insurance Regulatory Commission issued the Interim Measures for the Traceability Management of Insurance Sales Behavior, requiring the traceability management of insurance sales process through audio and video recording (No.54 for short). This notice was formally implemented on 20171101. What kind of products should be double recorded? Not all insurance products need to be recorded repeatedly. Article 6 of the Notice clearly stipulates that: except for telephone sales and Internet insurance business, if a life insurance company sells insurance products under any of the following circumstances, it shall, after obtaining the consent of the insured, record the key links in the sales process by means of on-site synchronous audio and video recording.
(1) Selling life insurance products with an insurance term of more than one year through a part-time insurance agency, including using self-service terminals and other equipment in the business premises of the part-time insurance agency. Unless otherwise stipulated by the the State Council financial supervision and administration institution, such provisions shall prevail. (2) Selling investment-linked insurance products through other sales channels other than insurance agencies, or selling life insurance products with an insurance term of 1 year or more to policyholders over 60 years of age. Generally speaking, individual insurance, bancassurance, brokerage and bancassurance channels are greatly affected by the Notice. Investment-linked insurance and life insurance with a sales period of more than one year are the key points of double recording, and people aged 60 and over should follow this Notice.