知名(ming)保(bao)(bao)(bao)險(xian)(xian)維(wei)權律(lv)師李濱(bin)在網上為(wei)兒子購買了(le)一(yi)份保(bao)(bao)(bao)險(xian)(xian)，但在理(li)賠(pei)時(shi)卻因(yin)為(wei)保(bao)(bao)(bao)險(xian)(xian)公司在當地沒有分支機構而無(wu)法(fa)查勘、核定。12月(yue)17日(ri)，李濱(bin)發布《關(guan)于敦促大眾(zhong)保(bao)(bao)(bao)險(xian)(xian)公司立(li)即停止(zhi)拖延(yan)理(li)賠(pei)、曲解(jie)規(gui)范、超地域(yu)經營(ying)行為(wei)的(de)法(fa)律(lv)建議及勸諭函(han)》，并向(xiang)中(zhong)國保(bao)(bao)(bao)監(jian)會提起行政復議，要(yao)求公開大眾(zhong)保(bao)(bao)(bao)險(xian)(xian)股份有限公司上海分公司(以(yi)下簡稱“大眾(zhong)保(bao)(bao)(bao)險(xian)(xian)”)的(de)經營(ying)許可范圍，責令(ling)上海保(bao)(bao)(bao)監(jian)局對主(zhu)要(yao)負(fu)責人給予處(chu)分。

據了(le)解，2012年5月，身在(zai)哈爾(er)濱的李濱通過慧擇保險網以兒子李梓銘為(wei)被保險人購買了(le)大眾保險推出的一款(kuan)兒童(tong)健康(kang)保障計劃。此后李梓銘先后三次碰傷及高燒。

李濱告訴記者(zhe)，其間他數次報案(an)，大眾(zhong)保險(xian)上海分(fen)公(gong)司卻(que)以其在哈爾濱沒(mei)有分(fen)支機構為由拒絕進行查(cha)勘、核(he)定，并堅(jian)稱“不(bu)與李濱談(tan)，而要同被保險(xian)人本人談(tan)”，致使(shi)上述保險(xian)事故已經拖延長達6個月的時間，超出法定理賠期(qi)限(xian)至今(jin)無法得(de)到理賠。今(jin)年11月，李濱認為大眾(zhong)保險(xian)涉嫌違規異地銷售(shou)且拖延理賠，投訴至上海保監局(ju)。

對(dui)此(ci)，大(da)眾保(bao)(bao)(bao)(bao)險(xian)(xian)聲(sheng)明，公(gong)司曾多次(ci)以電話、郵件和(he)信函的(de)方(fang)式敦請李律師提(ti)供(gong)相(xiang)關的(de)索賠(pei)文件，并(bing)承諾支付快遞費用(yong)(yong)，但迄今為(wei)止，李濱未提(ti)供(gong)任(ren)何書面的(de)材料(liao)。大(da)眾保(bao)(bao)(bao)(bao)險(xian)(xian)官方(fang)微博(bo)還回應稱，慧擇保(bao)(bao)(bao)(bao)險(xian)(xian)經(jing)紀(ji)公(gong)司是經(jing)保(bao)(bao)(bao)(bao)監會批(pi)準(zhun)，可以在(zai)全國(guo)開展(zhan)(zhan)保(bao)(bao)(bao)(bao)險(xian)(xian)經(jing)紀(ji)業(ye)務的(de)中介機構，大(da)眾保(bao)(bao)(bao)(bao)險(xian)(xian)委(wei)托(tuo)慧擇保(bao)(bao)(bao)(bao)險(xian)(xian)開展(zhan)(zhan)保(bao)(bao)(bao)(bao)險(xian)(xian)業(ye)務符合監管規定(ding)，不(bu)存在(zai)跨地違規經(jing)營(ying)。“被(bei)保(bao)(bao)(bao)(bao)險(xian)(xian)人(ren)涉及意(yi)外(wai)醫療和(he)意(yi)外(wai)傷害兩(liang)項保(bao)(bao)(bao)(bao)險(xian)(xian)，醫療費用(yong)(yong)可以通過郵寄(ji)醫療票據單的(de)方(fang)式來(lai)(lai)確定(ding)，但意(yi)外(wai)傷害總是需要保(bao)(bao)(bao)(bao)險(xian)(xian)公(gong)司來(lai)(lai)查看(kan)情況才(cai)能(neng)評(ping)估，他(ta)們不(bu)來(lai)(lai)見(jian)見(jian)被(bei)保(bao)(bao)(bao)(bao)險(xian)(xian)人(ren)，如何確定(ding)賠(pei)還是不(bu)賠(pei)？賠(pei)多少？”李濱反(fan)駁說，同時，慧擇保(bao)(bao)(bao)(bao)險(xian)(xian)經(jing)紀(ji)公(gong)司可以在(zai)全國(guo)范(fan)圍內開展(zhan)(zhan)互(hu)聯(lian)網保(bao)(bao)(bao)(bao)險(xian)(xian)業(ye)務，不(bu)代(dai)表大(da)眾保(bao)(bao)(bao)(bao)險(xian)(xian)公(gong)司可以承保(bao)(bao)(bao)(bao)來(lai)(lai)自全國(guo)范(fan)圍內的(de)保(bao)(bao)(bao)(bao)險(xian)(xian)業(ye)務。

李濱說，眾所周知，任(ren)何一款無(wu)形的(de)保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)產(chan)(chan)(chan)品(pin)(pin)都是(shi)寫(xie)滿條款的(de)合(he)同(tong)(tong)，保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)公(gong)(gong)司(si)(si)履(lv)行保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)合(he)同(tong)(tong)約(yue)定的(de)義(yi)務(wu)(wu)很大(da)一部分(fen)是(shi)通過提(ti)供保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)服(fu)(fu)務(wu)(wu)來完成(cheng)的(de)。保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)消(xiao)費(fei)者合(he)法合(he)同(tong)(tong)利益的(de)實現，需(xu)要保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)服(fu)(fu)務(wu)(wu)的(de)便捷性(xing)(xing)、及時性(xing)(xing)和合(he)法性(xing)(xing)作為保(bao)(bao)(bao)障(zhang)。保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)消(xiao)費(fei)者的(de)這一需(xu)求是(shi)通過保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)公(gong)(gong)司(si)(si)在保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)產(chan)(chan)(chan)品(pin)(pin)銷售地設有分(fen)支(zhi)機構來滿足的(de)。如果(guo)保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)公(gong)(gong)司(si)(si)無(wu)需(xu)向保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)產(chan)(chan)(chan)品(pin)(pin)銷售地的(de)保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)消(xiao)費(fei)者提(ti)供保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)服(fu)(fu)務(wu)(wu)的(de)話，那么保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)公(gong)(gong)司(si)(si)的(de)總(zong)公(gong)(gong)司(si)(si)直(zhi)接生(sheng)產(chan)(chan)(chan)保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)產(chan)(chan)(chan)品(pin)(pin)就可以了，無(wu)需(xu)設立如此眾多的(de)分(fen)支(zhi)機構了。

李濱(bin)認(ren)為，2009年出臺的《保(bao)險公司(si)管(guan)理(li)規定》第四十一條規定，保(bao)險公司(si)的分支機構不(bu)得(de)跨(kua)省、自(zi)治區、直轄市經營(ying)保(bao)險業務。

據悉，因為不滿意上海保監局的(de)答(da)復，李濱已經向中國保監會(hui)提起(qi)行政(zheng)復議，要求(qiu)公開大眾(zhong)(zhong)保險(xian)上海分(fen)公司的(de)經營許可范圍(wei)，責令上海保監局對主要負責人(ren)給予(yu)處(chu)分(fen)。大眾(zhong)(zhong)保險(xian)則表示，已委托當地保險(xian)公估機(ji)構(gou)與(yu)李濱聯系，希望盡(jin)快(kuai)完(wan)成相關理賠。

（中國(guo)消費者報（微博)）