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Data:2009-12-12 2:34
"Boasted" no guarantee
Misunderstanding 1: When Xiao Zhang better economic conditions, he consider the adoption of the insurance investment. Purchase of an investment kind of insurance before the insurance agent came up with the relevant "returns a list of", and its commitment will certainly be profitable, how much per cent rate of return can be achieved. A year later, the expected gains and the original access to large, he found insurance companies, because of the insurance policy contains no such content, the insurance company that do not assume any responsibility.
Weapon: From the marketing perspective, boasting itself is beyond reproach. However, insurance and other commodities, the biggest difference, it is actually a piece of paper option contract, your insurance to buy well or not is in order to test a few years later, and therefore the principle of insurance is the greatest principle of good faith, especially in investment insurance, the most bogey misleading. First consideration to the proposed purchase of the integrity of the quality of insurance companies; Second, we should compare the various insurance companies operating conditions, past investment performance; if not have the time and effort, then you have to consult a professional shop around. Meanwhile, the verbal commitment to the insurance agent is not the contents of the terms of the contract, you can not believe.
To verify the signatory
Misunderstanding 2: Sally's daughter, more than 20 years old, he insured her life insurance, premiums paid for a year, and signed his name on behalf of her daughter, and later found out that the insurance contract is null and void. Because the "Insurance Law" provisions of the insured over the age of 18 must autograph. But then, through the mediation Consumer Association before refund premium.
Weapon: The choice of an agent, first of all, the quality of their character and business should have some knowledge of. Second, the selection of insurance after the first insurance company or professional advice, as far as possible eliminate the seller's information asymmetry.
Universal Insurance 10 million scan
Mistakes 4: Xiao Zhang to the bank deposits, was a written "× × universal insurance yield 3.25 percent last month," the publicity attracted by the text, in the clerk's strong recommendation, he did not give much consideration to buy two copies of . But when he went to consult when the insurance company, only to find to buy universal insurance required to pay a series of "cost" to promote a single on a high-yield is only on the "personal account" of funds for the purposes of. Only when the insurance companies will be a variety of expenses (including payment of commission agents and insurance companies operating costs, etc.) after adjusting for 11, the remaining premium to enter his "personal accounts." Angrily, Mr. Lee for surrender, but the insurance company's customer service hotline, they told him that now surrender, 1 money is only to give back to him around 3500.
Weapon: universal insurance is the biggest risk salespeople misleading because investment income can not be determined, only the interest rate is the minimum guaranteed revenue commitments. Investors to buy some provisions before you can know what's what, do not just listen to one side of the story. Because there is universal insurance benefits and the personal protection of a dual function, to focus only on one side it is not comprehensive. Universal insurance in their choice of purchase, when it should be noted: first, to examine the overall insurance commitment, both to look at insurance companies to set the minimum interest rate guarantee, but also the ability to understand insurance and financial security of future operational capacity; second, commitment revenue base is not the total amount of premiums paid, only when the insurance companies will be a variety of expenses (including payment of commission agents and insurance companies operating costs, etc.) after adjusting for the remaining premium to enter the "personal accounts." Universal life insurance is generally a long-term payment for a period of 10 years. So, when consumers purchase insurance, we must take into account liquidity. If the halfway surrender, we can only get the cash value, especially in 2045 before the surrender, even the total premium could get it back.
Casualty surprised
Misunderstanding 3: During the Spring Festival travel Xiao Zhang has been a large truck was injured leg fractures admitted to a hospital, surgical and nursing and other related costs spent 4 million yuan need to bed in about six months. Let him Fortunately, he bought a total sum insured is 500,000 yuan a comprehensive accident insurance Zhe Xiake to come in handy. Let Mr. Chang never imagined that the insurance company said that only death and disability, the insured can be based on "personal accident liability" claims to insurance companies, because Sally is not complete loss of leg function can only be based on "personal Accident Medical Liability "gain 1 million or less in payment. This is the original agent to his promise of "cat-scratch can apply for a dog bite claims," far from.
Weapon: Consumers must be insured before the accident to have an objective understanding. "Comprehensive Personal Accident Insurance," the main responsibility for accidents involving disability insurance and accidental death payment, of which only the disabled insured reaches a certain degree be compensated, such as "a thumb or index finger function never completely Sang Shizhe" maximum payment ratio was 10%. The "accident medical insurance," a major disability insurance liability involved in traffic accidents occurred in health care costs, but also the specific treatment of specific conditions will not necessarily be in full recovery. In addition, everyone in the accident insurance, we should pay special attention to Disclaimer. The insured is not very familiar with insurance terms, when the insured has not been fully informed, resulting in a number of exemption clauses contained in the post-accident claims can not be. Such as engaging in high-risk sports person in motion an accidental disability, the insurance company can not claims, but if only a high-risk entertainment, you can apply for compensation.
Disease risk to quality
Misunderstanding 5: Xiao Zhang has purchased a health insurance. In the insurance's "table of contents diseases" listed in the more than 500 kinds of diseases. May be closer look, only about 200 kinds of various types of cancer alone, such as the tongue cancer, lip cancer and so a lot of lists. Read "disease kinds of table of contents", the can be said that no one is "minor ailments."
Weapon: It is recommended to avoid the terms of the trick of the insurance and much of the. To "buy for their own insurance."
"Compassionate single" Do not talk about face
Misunderstanding 6: Xiao Zhang, a friend, find him asking him to buy insurance, he bought because a friend sensibilities more than 6000 yuan a year to pay medical insurance premiums after Xiao Zhang was hospitalized due to serious illness, the original terms can be compensated according to his the insurance companies are in the hospital received a paper "exclusions notice", exclusions grounds that: "the insured Xiao Zhang did not inform the insurance company to fulfill faithfully the obligations had been suffering from the relevant medical history." The results did not receive any compensation. He thought of the original agent is a friend, it is feared to say history can not be insured and trust to luck concealed history. Now Xiao Zhang did not blame his friend to remind him to escape the trap of this self-made, but now he is有苦说不?
Weapon: would have been able to avoid the trap (if Sally still be able to truthfully inform the history of insurance, only a little more premium), but his friend did not let Xiao Zhang to circumvent the problem lies in the "compassionate grounds alone" on the agent to his and friends are contrary to the maximum the insurance principle of good faith to a friend left a great hidden danger. Therefore, the insurance buyer and the seller must fulfill the obligation to truthfully inform. Also, do not in order to take care of "acquaintance" an insurance policy.
The main members of the first Paul
Misunderstanding 7: Because little spare cash, Xiao Zhang couples unanimously decided only to 6-year-old daughter, an insurance policy. Daughter is a family treasure, adults to earn money, are aimed at her daughter. So, all in accordance with the past, Eat & Drink tight with her daughter's idea, they did not hesitate to buy his daughter were accidental injury insurance. But when the main house to make money --- Xiao Zhang, because of an accident, lost his right hand, and lying in bed more than a year before rehabilitation, family life took an economic crisis. Her daughter's life insecurity, share of insurance and no money to be held on the.
Weapon: Give your family to buy insurance to consider this part of the compensation can guarantee the family's normal life. Therefore, the family first bought an insurance policy, it must be the family breadwinner, because only in this way, when the "main force" a problem, the insurance company paid the money, you can still ensure that the material life of their families will not be too embarrassed.
