团险被保险人履行告知义务的问题及对策  

作　　者：蒋文举 王蓓[2] 

机构地区：[1]中邮人寿保险股份有限公司河南分公司,河南郑州450000 [2]保险职业学院保险系,湖南长沙410114

出　　处：《保险职业学院学报》2021年第6期84-86,共3页Journal of Insurance Professional College

摘　　要：保险行业是经营风险的行业,只有保险合同双方如实履行自己的义务,才可以充分享有各自的权益。在传统承保模式下,团体保险的被保险人履行如实告知义务,存在成本增加、合规风险、业务流失等问题。互联网等新技术的成熟应用,使保险人可以推广新模式优化承保程序,运用新技术防控风险,开发新应用提升支撑能力,也使得团险被保险人可以更好地履行告知义务。Insurance is an industry of risk management. Only when both parties to the insurance contract fulfill their obligations faithfully, can they fully enjoy their respective rights and interests. Under the traditional underwriting model, the insured of group insurance will have problems such as cost increase, compliance risk and loss of business if they fulfill their obligation to inform truthfully. The mature application of new technologies such as the Internet enables insurers to promote new models to optimize underwriting procedures,use new technologies to prevent and control risks, develop new applications to enhance support capacity, and enable insurance insured persons to better fulfill their obligation to inform.

关 键 词：团体保险 如实告知义务 被保险人 互联网 

分 类 号：F842.4[经济管理—保险]