金融教育宣传周 | 跨洋保障，暖心服务——外籍人士金融护航行动 Your Financial Safe Haven Overseas

一、渠道验证 Channel Verification

1.认准官方资质

仅通过持牌机构（如保险公司官网/APP、银行网点）投保，查验销售人员执业编号

Only purchase through licensed channels (e.g., insurer's official website/APP, bank branches), verify agent's ID number.

2.警惕非正规支付

拒绝私人账户收款或第三方代付，使用银联/支付宝等安全支付工具

Avoid informal payment methods (private accounts/third-party transfers), use secure tools like UnionPay/Alipay

二、合同审查 Contract Review

1.条款重点检查

重点关注免责条款、等待期、理赔条件，要求提供完整中英文合同文本

Check exclusions, waiting periods, and claim terms; demand full bilingual policy documents

2.拒绝模糊表述

对全球联保高端定制等夸大宣传保持警惕，要求书面解释保障范围

Beware of exaggerated claims like global coverage, demand written clarification

三、信息管理 Information Security

1.如实健康告知

完整披露病史，隐瞒可能导致拒赔，可要求医疗机构协助翻译病历

Disclose medical history truthfully; concealment may lead to claim rejection

2.保护个人信息

勿向非官方提供护照号、生物识别信息，警惕钓鱼网站

Never share passport/biometric data with unofficial parties, avoid phishing sites

四、特别警示 Special Warnings

1.境外保单风险

地下保单不受中国法律保护，存在汇率波动、维权困难等问题

Offshore policies lack Chinese legal protection, with forex/legal risks

2.反诈提示

警惕自称警察/使馆人员的索要密码行为，通过110核实可疑来电

Beware of fake officials requesting passwords; verify suspicious calls via 110

五、维权途径 Rights Protection

1.官方投诉渠道

遇纠纷可拨打12378保险消费者投诉热线，或通过国家金融监管总局网站申诉

File complaints via 12378 hotline or CBIRC website

2.法律援助

外籍人士可联系使领馆法律顾问或中国消费者协会涉外服务专线

Seek legal aid through embassy lawyers or CAFTA foreigner hotline‌‌‌