一、渠道驗(yàn)證 Channel Verification

1.認(rèn)準(zhǔn)官方資質(zhì)

僅通過持牌機(jī)構(gòu)（如保險(xiǎn)公司官網(wǎng)/APP、銀行網(wǎng)點(diǎn)）投保，查驗(yàn)銷售人員執(zhí)業(yè)編號(hào)

Only purchase through licensed channels (e.g., insurer's official website/APP, bank branches), verify agent's ID number.

2.警惕非正規(guī)支付

拒絕私人賬戶收款或第三方代付，使用銀聯(lián)/支付寶等安全支付工具

Avoid informal payment methods (private accounts/third-party transfers), use secure tools like UnionPay/Alipay

二、合同審查 Contract Review

1.條款重點(diǎn)檢查

重點(diǎn)關(guān)注免責(zé)條款、等待期、理賠條件，要求提供完整中英文合同文本

Check exclusions, waiting periods, and claim terms; demand full bilingual policy documents

2.拒絕模糊表述

對(duì)全球聯(lián)保高端定制等夸大宣傳保持警惕，要求書面解釋保障范圍

Beware of exaggerated claims like global coverage, demand written clarification

三、信息管理 Information Security

1.如實(shí)健康告知

完整披露病史，隱瞞可能導(dǎo)致拒賠，可要求醫(yī)療機(jī)構(gòu)協(xié)助翻譯病歷

Disclose medical history truthfully; concealment may lead to claim rejection

2.保護(hù)個(gè)人信息

勿向非官方提供護(hù)照號(hào)、生物識(shí)別信息，警惕釣魚網(wǎng)站

Never share passport/biometric data with unofficial parties, avoid phishing sites

四、特別警示 Special Warnings

1.境外保單風(fēng)險(xiǎn)

地下保單不受中國法律保護(hù)，存在匯率波動(dòng)、維權(quán)困難等問題

Offshore policies lack Chinese legal protection, with forex/legal risks

2.反詐提示

警惕自稱警察/使館人員的索要密碼行為，通過110核實(shí)可疑來電

Beware of fake officials requesting passwords; verify suspicious calls via 110

五、維權(quán)途徑 Rights Protection

1.官方投訴渠道

遇糾紛可撥打12378保險(xiǎn)消費(fèi)者投訴熱線，或通過國家金融監(jiān)管總局網(wǎng)站申訴

File complaints via 12378 hotline or CBIRC website

2.法律援助

外籍人士可聯(lián)系使領(lǐng)館法律顧問或中國消費(fèi)者協(xié)會(huì)涉外服務(wù)專線

Seek legal aid through embassy lawyers or CAFTA foreigner hotline???