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Data:2009-12-12 2:34
Insurance Week: October 2000, I have an insurance company in the city for their own health insurance a life insurance and additional hospitalization medical insurance. The main risk premium year 3200 yuan, payment period of 10 years. Additional insurance premium 115 yuan, the insurance period of one year, an annual renewal. Primary insurance payment methods and additional insurance renewal methods are used bank autopay. In November of this year, I do not want to continue to insure additional risks, so in their own accounts into the main insurance premiums year 3200 yuan. Insurance companies during this year's renewal because of the charge when the policyholder account balances less than two consecutive unsuccessful. In accordance with the insurance contract, non-payment of premium 60 days later, the effectiveness of the insurance contract termination. But I think: I am the main insurance contract, premiums have been deposited in bank accounts, insurance companies do not Hua Zhang is their own business, should not affect my main insurance contract, the main insurance contract should remain in force.
Readers: Ms. Zhou Miss Zhou:
Hello!
Upon receipt of your phone consultation, we had to communicate with the insurance company promptly. To be related replies are as follows: First of all additional risks of any contract provisions, if the expiration of the period of insurance on the 10th day, the insured is not to provide a written notice of non-renewal, then this additional contract as a renewal. As the insurance companies you have not received your renewal period this year, the non-renewal notice, and should therefore be charged the amount of additional risk-based insurance plus a total of 3315 yuan. Secondly, this year renewal period, the company's policyholders account deduction was not successful due to insufficient balance, and more than the grace period, according to the insurance provision, the effectiveness of automatic suspension of insurance contracts. Third, the insured person contacts, a change residence without informing the insurance company, resulting in the Company within the grace period and immediately after the expiration policy can not get in touch with the insured, so policyholders for losses, the company does not assume any responsibility for .
In fact, this was originally a very simple thing, but not in time as the parties to maintain contact and communication, leading to policy failure. Therefore, communication between customers and insurance companies, we should enhance mutual understanding and trust, thus avoiding unnecessary disputes and troubles.
Insurance Week
