Category: Insurance tips Release Date: 2006-08-01
With the rapid development of life insurance in China, many people have recognized the benefits of participating life insurance, and have for themselves and their families to buy life insurance. But there are also some people wanted to buy life insurance Na Zhaoqian hands, but it was the insurance company refused, reason is that his physical condition incompatible with life insurance companies. So these people has spoken: "insurance companies earn, instead of losing, not only to enter"
In fact, law, commercial life insurance companies have the right to decide whether, as the risk-contracting, who were criticized for this is really unfair.
First of all, the nature of life insurance companies underwriting the risk, this risk must be uncertain, if already know that the risk will occur, then, in essence, it is not the risk of the insured.
Secondly, in terms of the insurance principles, insurance is a kind of "one man-made masses, the masses of people as a" social mutual support activities. If someone know in advance the risk of a certain place, then the damage is inevitable for many people and a necessity, obviously, for other "everyone" in terms of unfair.
Third, from the properties of its own operations in terms of life insurance companies, life insurance companies are businesses, it must pursue profit, while also pay attention to social benefits, but it is to achieve its own economic-based.
Fourth, the "Insurance Law" Article X clearly stipulates: "the insured and the insurer entered into insurance contracts, it should follow the fairness and mutual benefit, consensus and voluntary set of principles ... ..." So the risk was inevitable, the insurance company paid the morning of the inevitable circumstances, insurance company is entitled to exclusions.
Therefore, the life insurance companies are not "nothing non-guarantees"!
