| Notice by the China Banking and Insurance Regulatory Commission of Regulating the Traceable Management of Internet Insurance Sales | | 中国银保监会关于规范互联网保险销售行为可回溯管理的通知 |
| (No. 26 [2020] of the China Banking and Insurance Regulatory Commission) | | （银保监发〔2020〕26号） |
| All local offices of the China Banking and Insurance Regulatory Commission (“CBIRC”); and all insurance group (holding) companies, insurance companies, and specialized insurance intermediaries | | 各银保监局，各保险集团（控股）公司、保险公司、保险专业中介机构： |
| For the purposes of regulating and strengthening the traceable management of Internet insurance sales, protecting consumers' basic rights such as the right to know, right to choose, and right to fair trade, and promoting the healthy development of Internet insurance business, you are hereby notified of the relevant matters as follows: | | 为规范和加强互联网保险销售行为可回溯管理，保障消费者知情权、自主选择权和公平交易权等基本权利，促进互联网保险业务健康发展，现将有关事项通知如下： |
| I. For the purposes of this Notice, “traceability of Internet insurance sales” means that insurance organizations record and save the trading behavior of insurance products sold on their self-run network platforms through sales page management and sales process recording, so that they may be available for inspection. | | 一、本通知所称互联网保险销售行为可回溯，是指保险机构通过销售页面管理和销售过程记录等方式，对在自营网络平台上销售保险产品的交易行为进行记录和保存，使其可供查验。 |
| For the purposes of this Notice, "insurance organization" includes insurance companies and insurance intermediaries. | | 本通知所称保险机构包括保险公司和保险中介机构。 |
| II. When an insurance organization sells on its self-run network platform a commercial insurance product whose applicants are natural persons, it shall implement the traceable management of Internet insurance sales, except for health insurance with individual tax preferences and personal tax-deferred pension insurance products. | | 二、保险机构在自营网络平台上销售投保人为自然人的商业保险产品时，应当实施互联网保险销售行为可回溯管理。个人税收优惠型健康保险、个人税收递延型养老保险产品除外。 |
| III. The sales page refers to the whole-process page of issuance application and approval set by the insurance organization on the self-run network platform. It includes prompts to enter the application process, the displace and explanation of insurance clauses, the performance of the obligations for prompts and explicit explanation, the verification of applicant's identity, the completion of insurance information by the applicant, independent confirmation and reading of relevant information, the submission of insurance applications, and the payment of premiums, among others. | | 三、销售页面是指保险机构在自营网络平台上设置的投保及承保全流程页面，包含提示进入投保流程、展示说明保险条款、履行提示和明确说明义务、验证投保人身份，及投保人填写投保信息、自主确认阅读有关信息、提交投保申请、缴纳保费等内容的网络页面。 |
| IV. Insurance organizations shall sell Internet insurance by setting up sales pages on self-run network platforms rather than on non-self-run network platforms. Insurance organizations may set up an insurance application link on the non-self-run network platform, and applicants may enter the sales page of the self-run network platform by clicking on the link. Non-insurance organizations' self-run network platforms shall not set up insurance product sales pages. | | 四、保险机构应当在自营网络平台通过设置销售页面实现互联网保险销售，不得在非自营网络平台设置销售页面。保险机构可以在非自营网络平台设置投保申请链接，由投保人点击链接进入自营网络平台的销售页面。非保险机构自营网络平台不得设置保险产品销售页面。 |
| V. Sales page management means that insurance organizations shall save the content and information on the sales page and historical modification information, and establish a mechanism for management of sales page versions. | | 五、销售页面管理是指保险机构应当保存销售页面的内容信息及历史修改信息，并建立销售页面版本管理机制。 |
| VI. The homepage of the sales page must be a prompt to enter the application process page, and the insurance organization shall separate the sales page from the non-sale page by setting up a page of prompting applicants to enter the application process page. The non-sales page shall not contain content such as the applicant's completing the insurance information or submitting the insurance application. | | 六、销售页面的首页必须是提示进入投保流程页面，保险机构应当通过设置提示进入投保流程页面，对销售页面和非销售页面进行分隔。非销售页面中不得包含投保人填写投保信息、提交投保申请等内容。 |
| VII. The prompts to enter the application process page shall include the prompt that the applicant is about to enter the application process, the insurance clauses need to be read carefully, and the applicant's operations on the sales page to be recorded, among others. | | 七、提示进入投保流程页面应当包含提示投保人即将进入投保流程、需仔细阅读保险条款、投保人在销售页面的操作将被记录等内容。 |
| On the prompt page of entering the insurance application process of an insurance intermediary, the content of the written customer notification shall be added, and in particular, the names of the insurance intermediary and the insurance underwriting company shall be disclosed. | | 保险中介机构的提示进入投保流程页面，应当增加客户告知书内容并重点披露该保险中介机构和承保保险公司名称。 |
VIII. The sales page of insurance organizations shall display the insurance clauses or provide a text link to the insurance clauses, explain the content of the contract, and set up a sign of having been read that should be independently confirmed by applicants.
．．．．．． | | 八、保险机构的销售页面应当展示保险条款或提供保险条款文本链接，说明合同内容，并设置由投保人自主确认已阅读的标识。
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