Category: Insurance tips Release Date: 2006-08-01
Insurance Steps
1. About the company, and its insurance coverage, focused on which the insurance liability and exclusion, depending on your need to identify the required insurance coverage;
2. According to the risks required to fill in the questionnaire, the insured or the insured a single application, submitted insurance applications;
Three insurance audit insurance bills, to accept insurance requirements;
4. Insurance company to issue a formal policy of insurance or other insurance certificate. The establishment of insurance contracts, insurance effect.
Insurance approach
1. Directly to the insurer insured;
2. To the door of the exhibition industry, insurance company personnel insured;
3. Insured by an insurance agent;
4. Through insurance brokers insurance;
The insured should pay attention to the problem
1. Select the appropriate insurance risk insurance market is currently offered by other insurance insurance insurance do not increase. The scope of application of different kinds of insurance, the subject of underwriting, insurance and responsibilities are different. Policyholders should be on the risks and the desire to seek protection, choose the right insurance risks do not, to avoid the insured wishes to vote with the other inconsistencies in the insurance risk.
2. To determine the subject according to the selected insurance insurance insurance insurance do not decide on the specific object of the insured. To avoid duplication of insurance or omitted to be insured to happen.
3. A clear agreement accident insurance, the scope of the review terms of the contract provided for in the insurance liability insurance, which incidents, proper understanding of their meaning, in order to determine whether the insured is in line with the pursuit of security needs.
4. Insurance, the insurance amounts to determine the amount of the insured in the insurance contract, the actual insured amount. Is an insurer to pay compensation or pay the maximum limit of liability insurance is the basis of total insurance premium income, but also one of the approved basis for reparations.
5. To review the qualifications of the insurance operators
1) Insurance companies: Analysis of the creditworthiness of insurance companies and payment capabilities. Right to come to promote sales staff to verify the insurance companies, whether a formal member of the insurance companies.
2) agent: an audit of the agency is held by Bank of China issued a "business insurance agency business license" (and industry). Exhibition industry workers have issued the People's Bank "Insurance Agent Qualification Certificate" or "insurance agent Exhibition Industry Certificate", the handling of insurance risks do not whether the agency within the purview of.
3) Broker: should be aware of whether an insurance agent qualification, as well as insurance brokers in the credit situation.
6. Conscientiously fulfill the obligations to truthfully inform the insured in the insured should be to accurately report the subject matter of insurance, fill in insurance bills, to answer questions raised by the insurer.
7. Auditing insurance companies that issued the insurance policy is wrong or not to be insurance companies that issued insurance policies, it should carefully check whether the insured to ask the line if there managers signature, general manager of the company seal or signature, whether printed claims report telephone and business address, and other necessary items. If found, it should be changed immediately asked insurance companies.
If the insurance policyholders do not understand, or solve the above problems can not be independent, professional advice directly to the insurance company may also be consulting to the insurance intermediary services, or seek out services.
After Chuxian should be how to do
1. Reasonable rescue. Protection of the active scene of the accident for emergency treatment and reduce losses. For example, fire fighting, rescue distress property, etc.
2. Check the insurance policy or insurance certificate. If I can not accurately judge may also be reported directly to the insurer by the insurance company claims personnel to determine.
3. Report. Should be within the time stipulated in the insurance policy (usually within 24 hours) by telephone form or report directly to the insurance company.
4. Actively assist the insurance company will hurt staff or the public line to determine a realistic estimate of the causes and the amount of loss
5. If it is liability insurance, insurance companies should pay attention to obtaining prior permission from the victim's claim can not arbitrarily make any commitments or rejected, but should be timely and insurers to communicate the relevant legal instruments (such as court summons), etc. promptly forwarded Insurance company, co-respondent.
In the insurance after the accident, without a survey of insurers, underwriting, or consent, the insured person or party shall protect the scene of the accident, do not first clean-up scene of the accident, nor have its own overhaul to deal with damaged property. Otherwise, it will cause difficulty in the subsequent claims
How do I report
1. Chuxian in accordance with local insurance claims reported on the address or telephone, the original holders of insurance policies directly to the insurance company's report; or by telephone, the insurance document number, the name of the insured person the contents of such insurance policies as well as the occurrence of insured event time, place reasons, resulting in the loss to inform the insurer. In order to insurers and is registered and the investigation and verification.
2. Offsite Chuxian if the subject matter of insurance in a foreign Chuxian impairment (such as vehicles, ships, goods), you can apply to the insurance companies call the Police, in accordance with its designation, is also dangerous to the local branch or agent of a report claims.
How to claim
1. Chuxian (Report) notification and claims a report in whatever way, then or later in the report should be submitted in writing, "Chuxian notice" to the insurer a claim request. "Chuxian notice" provided by insurance companies, fill out the direction by the claims.
2. To accept the insurance company's claims under the insurance policy examination, accept the insurer or its delegate to other personnel (such as insurance agents, inspection body) inspection, and provide convenient conditions to ensure that the insurer timely and accurate manner identify the cause of the accident, confirmed that the amount of such damage and loss.
3. To provide documents relating to the claim the insured person shall be in accordance with relevant laws and provisions of insurance contracts to insurers to provide the appropriate documents claim, the insurance people would accept their claims, under normal circumstances, the insured person claims to be provided documents include:
(1) The insurance policy or certificate of the original;
(2) has paid insurance premiums credentials (such as: insurance premium receipts, etc.);
(3) The proof of the value and ownership of the underlying insurance certificate;
(4) incident report (including the accident process, cause of the accident analysis, rescue situations, losses, etc.);
(5) claims list;
(6) The documents, notes;
Because insurance is different for different reasons, but also should be provided in other documents, credentials.
4. To receive the insurance compensation (1) the individual insured, and generally require the insured to carry my ID card. Receive compensation on behalf of, the need to bring on behalf of the people I lead and to be insured ID card;
(2) The unit of insurance should be required to carry company seal, corporate finance chapter or any other insurance company approved an effective seal.
Claims should pay attention to the problem
1. Occurred after the loss to be insured within the specified time reporting;
2. For the reasons for such situation is described in Chuxian should be real and reliable;
3. Must be the insurer's request to provide relevant and timely claims for material, to avoid delays in payment time;
4. To provide claim information must be truthful and lawful;
If you are not satisfied with the insurance services or claims, how to complain
If you are not satisfied with the insurance services or claims can be directly dealing with the handling Peian contact, if there is still unable to reach an agreement or disagreement can be a complaint.
1. To the company management of complaints;
2. To the local insurance regulatory department complaints;
How to apply for renewal
1, view the expiring insurance policy, get an accurate picture of the expiration date, apply well before the expiration renewal procedures in order to avoid delays due to omissions and renewal, so that subject-matter insured at the risk-free insurance coverage;
2, carrying the previous year's insurance policy, to apply for renewal of selected insurers.
