就(jiu)國家人壽(shou)保障工司有關的二現已接觸保障合同說明(ming)登記手續訂協(xie)議(yi)輕食的批示

（保監壽〔1999〕24號1999年9月20日）

國內人(ren)壽壽險我司(si)：

你大公司(si)《光于〈中華夢民眾(zhong)中華共和國保險服務費用法〉含有(you)關二今年年底去掉保險服務費用合約辦理手交費條(tiao)款英文(wen)做好釋疑(yi)的申請(qing)報(bao)告》（國壽發〔1999〕210號）收悉，現(xian)批復如下：

《中國人(ren)民群眾(zhong)共合國保(bao)(bao)(bao)險(xian)(xian)(xian)費用(yong)法(fa)》第10六條(tiao)(tiao)約(yue)定(ding)：“訂(ding)立(li)保(bao)(bao)(bao)險(xian)(xian)(xian)合同，保(bao)(bao)(bao)險(xian)(xian)(xian)人(ren)應(ying)(ying)(ying)當向投(tou)(tou)保(bao)(bao)(bao)人(ren)說明保(bao)(bao)(bao)險(xian)(xian)(xian)合同的(de)(de)條(tiao)(tiao)款內容……”。中國保(bao)(bao)(bao)險(xian)(xian)(xian)監督管理委員會《關于(yu)(yu)人(ren)身保(bao)(bao)(bao)險(xian)(xian)(xian)產品宣傳有(you)(you)關問題的(de)(de)通知(zhi)》（保(bao)(bao)(bao)監發(fa)〔1999〕57號）要求：“在(zai)訂(ding)立(li)人(ren)身保(bao)(bao)(bao)險(xian)(xian)(xian)合同時，應(ying)(ying)(ying)就保(bao)(bao)(bao)險(xian)(xian)(xian)合同的(de)(de)責任免(mian)除事項(xiang)和退保(bao)(bao)(bao)處理等爭議較多的(de)(de)事項(xiang)逐項(xiang)向投(tou)(tou)保(bao)(bao)(bao)人(ren)解釋清(qing)楚，退保(bao)(bao)(bao)金(jin)的(de)(de)數額或計(ji)算方法(fa)應(ying)(ying)(ying)在(zai)保(bao)(bao)(bao)險(xian)(xian)(xian)單或保(bao)(bao)(bao)險(xian)(xian)(xian)條(tiao)(tiao)款中列明，并要得(de)到投(tou)(tou)保(bao)(bao)(bao)人(ren)或被保(bao)(bao)(bao)險(xian)(xian)(xian)人(ren)的(de)(de)書面認可”。因此(ci)，保(bao)(bao)(bao)險(xian)(xian)(xian)公司(si)應(ying)(ying)(ying)當嚴格(ge)執(zhi)行(xing)《中華人(ren)民共和國保(bao)(bao)(bao)險(xian)(xian)(xian)法(fa)》和《關于(yu)(yu)人(ren)身保(bao)(bao)(bao)險(xian)(xian)(xian)產品宣傳有(you)(you)關問題的(de)(de)通知(zhi)》的(de)(de)有(you)(you)關規定(ding)。對于(yu)(yu)由于(yu)(yu)保(bao)(bao)(bao)險(xian)(xian)(xian)公司(si)未(wei)執(zhi)行(xing)有(you)(you)關規定(ding)所(suo)產生的(de)(de)糾紛，保(bao)(bao)(bao)險(xian)(xian)(xian)公司(si)應(ying)(ying)(ying)與(yu)投(tou)(tou)保(bao)(bao)(bao)人(ren)協(xie)商解決，協(xie)商不成的(de)(de)應(ying)(ying)(ying)通過法(fa)律程序解決。