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Data:2009-12-12 2:34
Kuaiguo Nian, and many families have clean habits, Fanxiangdaogui the same time, it pulls a lot of hold policy, and makes a watchman is to discover a lot of places do not understand. Articles combine the reader's questions, setting out the rights and interests of a variety of stories on insurance ... ...
Field trip led to policy failure
In June 2001, Mr. Wang an insurance company in the city of 5 million to buy health insurance, with an additional of accidental injury insurance 10 million in additional accidental medical insurance, 30,000 yuan.
In June 2004, the unit sent Mr. Wang in Shenzhen project inspection. Mr. Wang came back from overseas business trip, etc., time has come to November 2004, this time, he remembered his own purchase of insurance policies have been more than 60-day grace period, but due to insufficient funds in the account, insurance companies have not been able timely planning section, resulting in its insurance contract has lost its legal effect, in a failure state.
In mid-November 2004, Mr. Wang to bring my ID card, insurance contracts, insurance premium receipts and other information on the past came to the insurance company required them to complete recovery efficiency. Customer service staff in view of Mr. Wang's insurance contracts and related information, according to "Insurance Law" and the insurance policy and other related instructions to Mr. Wang handle physical examination, and then re-do according to the report of medical underwriting.
Re-insurance for an extra fee
Mr. Wang, in accordance with the requirements of insurance-related projects completed medical examination results showed that: moderate fatty liver, lipid and blood pressure increased significantly in body mass index was only 29.
The insurance company according to Mr. Wang, the current health-related diseases has made the decision for the deductible. In other words, Mr. Wang in the future once the examination results because of the various indicators, which led to occurrence of disease, insurance companies are non-compliance with the relevant liability insurance.
Upon receipt of underwriting decision, Mr. Wang expressed great dissatisfaction, he said: I do not have time to pay insurance costs, this is my wrong, but I learned that when the insurance contract expired in time to the insured insurance company applied for a recovery effect, the insurance premium can be paid all do not it? Besides, I already paid the premium for several years, but also did all the normal insurance, why do the have to make such a decision.
The insured person lost
As the parties Wang made the decision of insurance companies just can not understand, so一纸诉状将the insurer sued the court. Requiring the company to either the insured in accordance with the original conditions allowed to continue underwriting, or within three years, to pay their insurance costs to return to him, and in accordance with bank interest rates and payments related to interest rates.
The answer given by insurance companies has also become clear, first of all, if the insured wants to continue coverage must be in accordance with the terms and the "Insurance Law" to do under the relevant diseases as exclusion; if reluctant to re-insurance policyholders, insurance companies, according to the Terms of surrender procedures for handling the insurance to pay the policy's cash value.
Court heard the parties sign a statement, according to "Insurance Law" and other State laws have made the following decision: In terms of the parties within 60 days failed to pay insurance cost insurance contracts, leading to policy failure. During the recovery efficiency in the handling, insurance companies, operate in accordance with the terms of the two sides agreed there is no improper. Therefore, the parties did not support the request.
Insurance is not a buy of
In their daily work, often the reader will be called to inquire about insurance-related situations: "Why should I buy insurance in 2034, and we have no relevant operational staff work for me?" "Why do I reinstate after my additional insurance Paul do not give me up? "
In these consultation questions, undeniable does have some is due to the management of insurance companies and agents of the service issues, but there are a considerable portion is due to inadequate attention to public policies, leading to its own insurance rights and interests can not be effectively maintained, and even undermine their own insurance benefits.
Mr. Wang, as in the previous example, if the multi-look at their own insurance, pay insurance premiums on time, how do encounter such trouble.
In the "Insurance Weekly" in 2004 a survey showed that about 80% of insurance customers in addition to insurance, they are less concerned about the insurance contract, to pay premiums on time, often and agents to communicate, six months later, most people regard the insurance contract tossed aside, not encountered in the accident insurance, simply do not focus on it, and naturally because of the lack of attention caused by the insurance contract-related disputes from arising.
Spring Festival, the four key policy checks
Address Check
Many citizens, and other family factors as a result of changes in home address changes, followed brought a series of contact has also changed. However, a considerable part of the population after a change in the contact and did not promptly notify the insurance company or their own service personnel, resulting in a number of related insurance companies, insurance follow-up services can not keep up.
Recommendation: The public can check their own insurance policies to see if the above contact information is to contact the family or the unit contacts. Once a policy to fill in contact with the existing Contact discrepancy, they should promptly call the insurance company customer service phone, the phone will be their new contact the insurer, so that policies can be service in a state.
Is in the validity period
When buying insurance, will choose a payment method, either an artificial door collection, some are choosing a bank Hua Zhang, there is the option to personally go to the bank to pay the premium.
At present most of the public to choose a bank make payments, that is, in a fixed deposit account on a certain amount each time to the period of insurance premium due, the insurance company will automatically draw from the customer's account to the corresponding amount. However, some people contributory negligence of the insurance time, forget the deposit insurance premiums, leading to policy failures, their own insurance rights and interests can not be effectively maintained.
Recommendation: On the one hand, the public can be years ago, the year will pay the cost of insurance into account, to avoid the account balance is unsuccessful due to inadequate charge; the other hand, should keep in mind the time to pay the premium will be its eye-catching landmark in the 2005 calendar, so you can effectively avoid the subjective reasons which led to policy failure.
The existence of service personnel
Readers often call complaints: their own insurance for years, just to buy insurance when the agents all day and their own can be contacted over time, there is no news of salesman, insurance companies, other service personnel did not come to their service, leading to some of the latest customer activity is not able to participate.
Recommendation: As the agent of the special nature of occupation, today is your insurance salesman, tomorrow may be resigned and left. Therefore, the customer within a period of time if there is no contact with their customer service staff, you can call the insurance company customer service phone number, to see whether the salesman left. Once the salesman left, you can require the insurer to re-appoint a new staff for their own services to protect startled own insurance is always in an activity state.
Policyholder's signature
This year's "Insurance Week," the story of a period of insurance on behalf of the signature cases, there has been much public concern, hotline constantly. Many residents, when purchasing insurance when the insured person I do not recognize the importance of signing the insurance policy, so that caused the dispute one way or another.
Recommendation: insurance contracts are generally divided into insured and the insured person, in the signature can be divided into two cases. On the one hand, if the insured person is a minor, you can be insured parent or guardian on behalf of the signature; the other hand, if the insured person has grown up, we must personally sign the insured. Therefore, customers who signed to confirm the policy in question, be sure to bring your own relevant information to the insurer-fill sign up for them and avoid any self-insurance rights and interests can not be maintained.
Moderator Comment
In fact, do check the policy when, not just the four listed above. Such as name change, misunderstanding of the phenomena of liability insurance should a client want to take note. Life insurance contract is a special commodity, generally speaking are long-term contract, so how could the decades-long period of time, to make its own insurance rights and interests can be effectively maintained This is the key.
On the other hand, as insurers and establish a customer-oriented competitive strategy, sincere service to customers. Strengthening the customer pay a return visit, providing customers with long-term stability of the after-sales service, and jointly safeguard the long-term insurance contracts and effective. In this way, you can rule out bad contracts, to ensure the normal operation of insurance companies; but will also reduce disputes and the establishment of a good insurance company management and brand image, to ensure that the policy effectively, improve customer purchase rate of the complex, making life insurance companies continue to develop steadily.
