觀(guan)于我國的中國人壽保(bao)費(fei)行業(ye)新公司關干二3年移除保(bao)費(fei)行業(ye)借款合同手(shou)充值費(fei)不可抗力(li)條款申(shen)請(qing)報(bao)告的批復文件

（保監壽〔1999〕24號1999年9月20日(ri)）

在我(wo)國(guo)人壽商業險我(wo)司(si)：

你工司《相(xiang)對于(yu)〈中(zhong)國(guo)民(min)眾(zhong)商檢法商業(ye)保險費(fei)用法〉含有關二(er)年后撤銷商業(ye)保險費(fei)用協議書資質(zhi)費(fei)條款內容進行解(jie)釋一下(xia)(xia)的請示報告》（國(guo)壽發〔1999〕210號）收悉(xi)，現批復如下(xia)(xia)：

《炎黃國(guo)民中華人(ren)(ren)(ren)民安全法(fa)》第(di)10六條(tiao)(tiao)規范：“訂立保(bao)(bao)(bao)(bao)險(xian)(xian)合(he)(he)同，保(bao)(bao)(bao)(bao)險(xian)(xian)人(ren)(ren)(ren)應(ying)當向投(tou)保(bao)(bao)(bao)(bao)人(ren)(ren)(ren)說明(ming)保(bao)(bao)(bao)(bao)險(xian)(xian)合(he)(he)同的(de)(de)條(tiao)(tiao)款內(nei)容(rong)……”。中國(guo)保(bao)(bao)(bao)(bao)險(xian)(xian)監督管理委員會《關(guan)于人(ren)(ren)(ren)身保(bao)(bao)(bao)(bao)險(xian)(xian)產(chan)品宣(xuan)傳有關(guan)問題的(de)(de)通(tong)知》（保(bao)(bao)(bao)(bao)監發〔1999〕57號）要求：“在(zai)(zai)訂立人(ren)(ren)(ren)身保(bao)(bao)(bao)(bao)險(xian)(xian)合(he)(he)同時，應(ying)就保(bao)(bao)(bao)(bao)險(xian)(xian)合(he)(he)同的(de)(de)責任免除事項(xiang)和(he)退保(bao)(bao)(bao)(bao)處理等爭議較多的(de)(de)事項(xiang)逐項(xiang)向投(tou)保(bao)(bao)(bao)(bao)人(ren)(ren)(ren)解釋清楚，退保(bao)(bao)(bao)(bao)金的(de)(de)數額或(huo)計(ji)算(suan)方(fang)法(fa)應(ying)在(zai)(zai)保(bao)(bao)(bao)(bao)險(xian)(xian)單或(huo)保(bao)(bao)(bao)(bao)險(xian)(xian)條(tiao)(tiao)款中列明(ming)，并要得到投(tou)保(bao)(bao)(bao)(bao)人(ren)(ren)(ren)或(huo)被保(bao)(bao)(bao)(bao)險(xian)(xian)人(ren)(ren)(ren)的(de)(de)書面認可”。因(yin)此，保(bao)(bao)(bao)(bao)險(xian)(xian)公(gong)司應(ying)當嚴格執行《中華人(ren)(ren)(ren)民共和(he)國(guo)保(bao)(bao)(bao)(bao)險(xian)(xian)法(fa)》和(he)《關(guan)于人(ren)(ren)(ren)身保(bao)(bao)(bao)(bao)險(xian)(xian)產(chan)品宣(xuan)傳有關(guan)問題的(de)(de)通(tong)知》的(de)(de)有關(guan)規定。對于由(you)于保(bao)(bao)(bao)(bao)險(xian)(xian)公(gong)司未執行有關(guan)規定所產(chan)生(sheng)的(de)(de)糾紛(fen)，保(bao)(bao)(bao)(bao)險(xian)(xian)公(gong)司應(ying)與(yu)投(tou)保(bao)(bao)(bao)(bao)人(ren)(ren)(ren)協商(shang)解決，協商(shang)不成的(de)(de)應(ying)通(tong)過法(fa)律(lv)程序(xu)解決。