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保险公司经常遇到公安、检察机关或法院要求协助执行投保人保险费的情形。保险合同不同于客户在银行存款的合同。银行存款合同中存款所有权始终归存款人,而投保人交付的保险费的所有权依据合同转移给保险人。司法机关要求保险公司协助执行时,必须确认债务人在保险公司有合法债权。保险公司在协助司法机构执行时,只有在熟悉相关法律法规、熟知基本事实的基础上,有理有据地进行积极抗辩和有效沟通,才能最大限度地维护保险公司和保险共同体的利益,从而更好地为广大客户服务。
Insurance companies often encounter the situation of public security, prosecutors or courts asking for assistance in implementing the policyholders’ insurance premiums. Insurance contracts differ from the customer’s contract for bank deposits. The ownership of the deposit in the bank deposit contract always belongs to the depositor and the ownership of the premium paid by the policyholder is transferred to the insurer in accordance with the contract. When the judiciary requires the insurance company to assist in enforcement, it must confirm that the debtor has a legal claim on the insurance company. When assisting the judiciary, insurers can only defend the interests of insurance companies and insurance communities to the best extent if they are familiar with the relevant laws and regulations and are familiar with the basic facts and conduct defensive and effective communication in a rational and rational manner. For the majority of customer service.