Non-autographed care insurance policy null and void Insurance Tips

Category: Insurance tips Release Date: 2006-08-01

Life insurance provisions have such a provision you may not know: The death of the conditions of the policy have to be paid by the insured personally autographed to confirm, otherwise the policy is invalid. In other words, if you give your wife or older to buy life insurance, if they did not personally sign this policy is a piece of paper.

But now many people are buying life insurance, only the emphasis on insurance rates, often overlooked this point. Consumer Wang in the late 90 century, to the whole family have bought life insurance. He declined to send an annual insurance premium of kindness come close, personally delivered money to insurance companies, that is the reason then they would feel at ease.

Mr Wang said: "Over the years, the insurance company never told me that the policy had 'personally confirmed that the insured person to be effective' this hypothesis. But when I buy life insurance for his family when the family members are signing on behalf of any person (including a insurance company of any person) are not in any way to tell me in this way is invalid. "

Mr. Wang quickly so that parents go to insurance companies. A question, the insurance company concerned and surprised enthusiasm, said: "there is such a thing, you have come long overdue, how only now Come on." As a result, the signing of confirmation, a confirmation letter to see the back of the system a single date is in March 2000! According to industry insiders, life insurance in general a longer time span, often insured at the time of purchase and other factors on the rate of selective, rather easy to ignore the "personal signature to confirm the insured person to take effect," the key elements.

"Insurance Law" on the life insurance on the "insured person himself must confirm by signature that can make the policy effect" requirement can be guaranteed to some extent the interests of the insured. Let salesman on behalf of the signature, the interests of consumers are likely to be violated.

Customer Mr. Ding wrote a complaint to the relevant insurance regulatory authorities. Subject was his policy not he personally signed, should be null and void the policy, his request to the insurance company the full premium refund. Subsequently, he repeatedly went to the insurance company requested its open letter of introduction to do handwriting identification evidence, but the insurance company for various reasons to stall, for a while, said: "Our company had never been such a letter of introduction, it is necessary to open you sent for Paul supervisor will give you open. "he says:" You do not have to do handwriting identified. as long as such our company find a salesman, told him to back the commission, then the company can give you surrender, are not allowed to say specifically what time of the. "

More than three months later, Mr. Ding, once again surrender to the company's handling procedures, but the company returned to him only the main insurance premiums, and said additional medical insurance premiums nor retreat. Mr. Ding and the insurance company handling procedures for staff to negotiate surrender: "Since your company has determined that I am not my signature, shall be void policy, how can any additional risks have been used before, has been expired for?" Salesman at first that this was Company provides regulatory authorities later said was called such a deal.

Therefore, once again, Mr. Ding complaints to the relevant regulatory authorities, asking them to order the insurer to return the remaining 180 billion yuan.

If you buy insurance, the insured should be fully fulfill their orders and personally signing to fill the right, do not let clerk on behalf of the insured to fill orders, particularly on behalf of the signature, in order to eliminate hidden dangers disputes.