**国家金融监管总局：人身保险“睡眠保单”清理工作显实效**
**中新网5月15日电** 据国家金融监管总局网站消息，**2023年9月以来**，国家金融监管总局在全国范围内组织开展人身保险“睡眠保单”清理专项工作。此次专项工作的开展，旨在更好地维护消费者权益，提高保险行业服务质量和效率。
据悉，所谓“睡眠保单”，是指那些长期未发生保险事故、消费者对保单存在感较低的保单。这些保单的存在不仅占用了保险公司的资源，也可能让消费者在保险保障方面存在盲区。因此，清理“睡眠保单”，有助于保险资源的有效配置，也能提醒消费者审视并合理规划自身的保险需求。
专项工作开展半年以来，成果显著。数据显示，已完成有效提醒的保单共**732.07万件**，涉及保险金(现金价值)共计**457.06亿元**。这意味着，大量消费者已重新关注并理解自己的保险权益，有助于提升保险消费的透明度和满意度。
此外，此次清理工作也推动了保险公司服务模式的转变。在提醒消费者关注“睡眠保单”的同时，多家保险公司已经开始尝试创新服务，如提供个性化的保险规划、优化保险产品设计等，以满足消费者日益增长的多元化保险需求。
国家金融监管总局表示，将继续加强对保险行业的监管，推动保险业高质量发展，更好地服务于社会公众。
英语如下：
**Headline:** “7.32 Million Sleeping Policies Awakened, with Insurance Funds of 45.7 Billion Yuan Awaiting Claims”
**Keywords:** Cleanup of Sleeping Policies, Effectiveness of Financial Regulation, Total Insurance Proceeds Claims
**News Content:**
**National Financial Regulatory Administration: Cleanup of Individual Insurance “Sleeping Policies” Shows Practical Results**
**May 15, 2023, China News Service** – According to the website of the National Financial Regulatory Administration, since **September 2023**, the National Financial Regulatory Administration has organized a special cleanup campaign for individual insurance “sleeping policies” nationwide. The purpose of this special campaign is to better protect consumer rights and improve the quality and efficiency of insurance industry services.
It is understood that “sleeping policies” refer to policies that have not been involved in any insurance incidents for a long time and where consumers have a low sense of existence for these policies. These policies not only occupy resources of insurance companies but may also leave consumers with blind spots in insurance protection. Therefore, cleaning up “sleeping policies” helps to allocate insurance resources effectively and reminds consumers to review and plan their insurance needs rationally.
Half a year after the start of the special campaign, significant results have been achieved. Data shows that a total of **7.3207 million policies** have been effectively reminded, involving a total insurance proceeds (cash value) of **45.706 billion yuan**. This means that a large number of consumers have重新关注并理解 their insurance rights and benefits, helping to enhance the transparency and satisfaction of insurance consumption.
In addition, this cleanup work has also promoted the transformation of insurance companies’ service models. While reminding consumers to pay attention to “sleeping policies,” many insurance companies have begun to try innovative services, such as providing personalized insurance planning and optimizing insurance product design to meet consumers’ growing diverse insurance needs.
The National Financial Regulatory Administration stated that it will continue to strengthen the supervision of the insurance industry and promote high-quality development of the insurance industry to better serve the public.
【来源】http://www.chinanews.com/cj/2024/05-15/10217133.shtml
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