Category: Insurance tips Release Date: 2006-08-01
1, the preservation of notes.
2, change the content of insurance contracts.
3, the effectiveness of the insurance contract resumed.
4, went abroad to work, study, travel and settlement processing.
5, the lifting of insurance contracts.
6, borrowing, repayment.
7, can be converted equity.
8, insurance contracts, fill / renewal.
9, the transfer of insurance relationship.
1, the insurance Information
Notice 1 preservation, the preservation of Interpretation: the preservation refers to the insurance company in order to maintain the sustainability of life insurance contracts, according to the agreed terms of the contract and customer requirements to provide a range of services.
Second, the scope of application: The company's individual life insurance contracts issued. Preservation projects include the insurance contract content changes, the premium income continued to increase the additional insurance and renewal, to suspend the effectiveness of insurance contracts, insurance contracts, the effectiveness of rehabilitation, cancel the contract, policy loans, convertible equity, increased insurance benefits, insurance contracts for replacement / renewal, insurance and the relationship between the transfer of insurance contracts on behalf of the service, the survival benefit, dividend / interest rate of the notification and payment and so on.
Third, preservation of the principle of service: customer focus, in a lawful, fair and reasonable premise, according to a just, fair and open principles in order to accurate and rapid manner to provide customers with various types of preservation services, achieve operational and management uniformity, normative, scientific, rigorous, forward-looking.
4, preservation services, a contract for ways to preserve the application available through the following three ways:
1. Customer service outlets directly to the insurance company to apply for.
2. Customers, such as commissioned salesman, etc., to apply for insurance service network.
3. Clients by letter to apply. Such application is now limited to the mailing address / residence change, cancel the contract and other companies recognized preservation projects.
5, the relevant provisions of the grace period insurance contracts Contributions:
1. Except as otherwise agreed, the grace period is 60 days.
2. If the provisions of the Contributions day of entry into force of the corresponding day, the grace period from the effective date corresponding to the day after the start.
3. If the terms of the Paying the corresponding month of the commencement date, the grace period from the entry into force of the corresponding month of the period since the first day of the month.
6, the re-submissions, Dianjiao premium interest calculations which states:
If the insurance contract has clearly re-submissions, Dianjiao the premium rate of interest and method of calculation, according to the contract provisions. If there is no clearly defined, then the following provisions.
1. Pay up, the interest premium Dianjiao computing time requirements.
⏿reinstate an interest rate premium of back states: within the grace period, excluding interest receivable; more than the grace period, interest income should be added. Interest calculated from the day after the expiry of the grace period since the beginning of the application to the insured and the insurer agreed to reinstate the day ended.
⏿interest Dianjiao premium calculation time, since the beginning the day after the end of the grace period to make the termination of the insured Dianjiao application and delivery has been Dianjiao full premium and interest on the same date.
2. Pay up, Dianjiao premium interest rate calculated with the formula:
(1) Total awarded 98 version, 97 version and previous versions of the accrued interest rate is as follows:
Insurance on the interest rate on the interest rate insurance
97 version before .006 97 edition of pre-marketing insurance direct insurance 0.0075
97 Version 97 Version 0.0055 insurance direct marketing insurance 0.0055
98 edition of Marketing Direct insurance insurance 0.005 98 Edition 0.005
Note: Interest is calculated by simple interest, time, less than one month on-month terms.
3. To preserve the course of the contract if necessary supplement income insurance (for example, error correction date of birth, gender, error correction, etc.), the interest calculated with reference to the requirement.
7, preservation services, preservation services, fees charged only to the appropriate nominal fee, do not charge service charge. Specific criteria are as follows:
1. In the insurance contract endorsement or affixed to business approved list, do not charge nominal fee.
2. Where the request to re-insurance contracts issued by the preservation of services, such as insurance contracts completed / renewal, transfer of insurance relationship shall be charged nominal fee 10 yuan.
3. Hesitate to cancel the contract during the period (the insured sign the insurance contract within 10 working days after the application to lift the insurance contract), the charge for cost 10 yuan.
8, inconsistent handling of identity requirements.
Customer handling preservation process, if provided by the identity documents of identification with the insurance company retained the content is inconsistent, places where the parties to household registration certificate issued by department basis.
9, the policy loan, insurance Dianjiao, equity conversion, reducing the amount of cross-ching and other preservation services, the provisions of the processing time of the policy the customer for the loan, the premiums automatically Dianjiao, insurance contracts, equity conversion, reducing the amount of cross-ching and other preservation services for , regardless of the premium is the wholesale delivery or a delivery period of delivery, insurance companies, all in the insurance contract came into force two years later and has a cash value of insurance contracts be handled.
10, insurance renewal insurance policy is to grant renewal insurance policy expires in insurance premiums, policyholders continue to pay premiums to cope with each issue, leaving the effectiveness of insurance policies continue to take place the process of renewal premium payment in the form of Banks collect, salesman door to collect and pay three kinds of self-insured.
1, the banks collect insurance: the insured holding "charge tickets" to the city's Industrial and Commercial Bank of China or China Construction Bank savings bank to pay.
2 door salesman Charges: salesman in the insurance before it expires, "charging notice" served on the insurance premiums charged policyholders.
3, policyholders automatic payment: the insured who "charge tickets" to the insurance companies of the counter charge.
11, preservation of the business are required to submit information (a) increasing the additional risks
1, the applicant: original owners insurance policy holder, but may be subject to consent of the insurer.
2, time: before entry into force of the main risk within a month, and the age of the insured person does not exceed the age limit for new additional insurance coverage.
3, submission of information: "insurance contract to change the application"; additional diseases, health insurance class insurance, but also to provide "supplementary inform the questionnaire" are included.
Second, changes in insurance contracts, "Insurance Law" Diershitiao states: In the life insurance contract, the insured and the insurer endorsed the consensus, you can change the content of insurance contracts. Change the insurance contract should be decided by the insurer in the original insurance policy or other insurance certificate, endorsement, or affixed to a single batch, or by the insured and the insurer entered into a written agreement to change.
1, communication address / change of address (1) Interpretation and application: All holders of insurance contracts issued by the company's customers, should be in the mailing address / address changes when the change in time to ensure that companies and their contacts without interruption.
(2) The applicant: insured. Take salesman agents, service personnel or telephone to apply changes.
2, gender, date of birth error correction (1) the applicant: insured. Been corrected will be required to personally sign the application (under normal circumstances, the beneficiary without the beneficiary of information to correct signature).
(2) to submit information: "insurance contract to change the application", insurance contracts, the insured, correct object, the Trustee proof of identity, "added this questionnaire" (should be the company underwriting department requirements) are included. Which has been corrected will be required to personally sign the application (under normal circumstances, the beneficiary without the beneficiary of information to correct signature).
3, name, word changes (1) the applicant: insured. Been corrected will be required to personally sign the application.
(2) submission of information: the insurance contract, "insurance contract to change the application" has been corrected proof of identity, the insured's identification, proof of identity such as the trustee. If the client name or a name change, you need to provide proof of residence issued by the department changes.
4, document type and number of changes (1) the applicant: insured. Changes will be required to have been autographed by the application (but not change the beneficiary certificates, not the beneficiary signature)
(2) to submit information: "insurance contract to change the application", insurance contracts, the insured identification, proof of identity has been changed, the Trustee such information as proof of identity.
5, career change (1) the applicant: insured. Career change will be required to include in its application autograph.
(2) to submit information: "insurance contract to change the application", insurance contracts, has been corrected proof of identity, career change proved that the Trustee such information as proof of identity.
6, change the policyholder (a) the applicant: insured. Applications, old and new policyholders, the insured person must include in its application autograph.
(2) to submit information: "insurance contract to change the application", insurance contracts, the insured identification, identification of new policyholders, trustees proof of identity, the new policy holders "to add this Questionnaire" (the terms contained in policyholder security responsibilities) and so on.
7, change the beneficiary (a) the applicant: the insured, the insured person; but the application to change the beneficiary when the insured need to seek the consent of the insured.
(2) to submit information: "insurance contract to change the application", insurance contracts, the insured identification, proof of identity of the insured person, the Trustee proof of identity.
8, reducing the insurance amount (a) the applicant: insured. Must have been insured person autographed.
(2) to submit information: "insurance contract to change the application", insurance contracts, the latest issue of Contributions certificates, proof of insured status, was the principal proof of identity, the Trustee proof of identity.
9, spreads return / dividend to receive mode changes (1) the applicant: insured.
(2) to submit information: "insurance contract to change the application", the insured proof of identity, the Trustee proof of identity.
10, change the mode to receive / collect age (1) the applicant: the insured, the insured person shall include in its application autograph.
(2) Application time: Contributions insurance contracts expired, and in the days before the agreement can apply to receive.
(3) submit the information: "insurance contract to change the application", insurance contracts, the insured identification, proof of identity such as the trustee.
11, reducing the amount of cross-ching (1) the applicant: insured.
(2) Application time: insurance contracts effective, produce a cash value, and Contributions during the period.
(3) submit the information: "insurance contract to change the application", the insurance contract (if any loan, provide loan documents), latest Contributions certificates, proof of identity insured, the trustee proof of identity.
12, the amount increased interest (1) the applicant: the insured, subject to the insured person and signed.
(2) The application time. Insurance contract will expire every year (eg 5 years) corresponds to a year before the entry into force 60 days after application.
(3) The entry into force of the time: the expiry of certain number of years for each insurance contract came into force in the corresponding period of days.
(4) submit the information: "insurance contract to change the application", insurance contracts, the latest issue of Contributions certificate, the insured identification, proof of identity such as the trustee.
13, supplement this treatment (1) the applicant: the insured and was told that the application will be required to autograph.
(2), submitted information: "One additional correction confirmation of insurance", insurance contracts, were told the identity proof, identity proof of the insured, the trustee identity, "added this questionnaire" and the insurance company requested the relevant supporting information such as.
14, confirmed the offer insurance (1) the applicant: insured. Those who must have recognized autographed (2) to submit information: "Insurance Single supplement / correct the confirmation", insurance contracts, the insured person identification, proof of identity information such as the insured.
Third, the effectiveness of the insurance contract resumed
1, the applicant: insured.
2, application time. The effectiveness of the insurance contract within two years from the date of termination, the insured may apply for re-effect. If more than two years, the company have the right to terminate the contract.
3, submission of information: "to restore the effectiveness of the contract applications", insurance contracts, the latest issue of contributory evidence to prove the insured status, the relevant supplementary inform the questionnaire, treatment information (if the "application to restore the effectiveness of the contract" in this column has disease, this), etc. Thought. 4, went abroad to work, study, travel or settle in the handling of
1, interpretation and application: overseas work, study, travel or settle in (hereinafter: leave the country) is the insurance contract is established, the insured (or insured persons, beneficiaries, etc.) for any reason to go abroad, the insurance company to maintain customer outside the period of insurance benefits, upon customer applications, and for applications related to preservation of the procedures.
Go to Hong Kong, Macao and Taiwan and other places to work, study, travel and settle in reference to these Regulations.
2, the applicant: insured. If the person out as being insured, the beneficiary, shall have my autograph.
3, application deadlines: client (the insured, the insured person or beneficiary) before their departure, to apply.
4, submission of information: "insurance contract to change the application", insurance contracts, the insured identification, proof of their status abroad, the Trustee proof of identity.
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5, the lifting of insurance contracts
(E), the lifting of insurance contracts
1, hesitation cancel the contract period (1) Interpretation: hesitant to cancel the contract refers to the period of insurance policyholders to sign a contract within ten days after the release made by insurance contracts.
(2) The applicant: insured.
(3) submit information: the insurance contract; the first phase of Contributions insurance certificate (if the remitted cases, you only need to provide a copy of credentials Contributions); "lift the insurance contract applications"; policyholders proof of identity, the trustee status proof; If you choose bank transfer method received the payments need to provide a copy of current bank savings passbook home.
(4) Application for time and time to apply for entry into force of time: the insured sign within ten days after the insurance contract.
Take effect: For the customers door handle, the lifting of the effective time of the contract to insurance companies subject to receiving the client the date of application; for customers to mail the application with effect from time to cancel the contract for the insured sent a letter be sent to post office on the The postmark date shall prevail.
2, insured cancel the contract (1) Interpretation: insured cancel the contract (hereinafter referred to as "surrender"), refers to the insured received the insurance contracts issued by insurance companies 10 days after the terms are not clearly stipulated in the insured are not allowed to lift the case of insurance contracts, for the abolition of insurance contracts.
(2) The applicant: insured.
(3) Application should be submitted by the information: the insurance contract; the latest insurance Contributions certificate (if the remitted cases, simply to provide copies of insurance certificates Contributions); "lift the insurance contract applications"; insured status proved that the Trustee proof of identity; way if you choose bank transfer recipients, the need to provide a copy of current bank savings passbook home.
(4) Application for time and time to apply for entry into force of the time: in 10 hesitation period of insurance during any point in time (except for provisions shall not surrender outside).
The effective time of surrender: For customers door handle, the surrender to take effect in order to insurance companies subject to receiving the client the date of application; for customers to mail the application with effect from time to cancel the contract for the insured sent a letter send on the out to the post office postmark.
3, the insurance company cancel the contract (1), termination payments recipients: insured.
(2), the case of insurance contracts can be lifted, "Insurance Law" second paragraph of Article XVI provides that: the insured intentionally concealed the fact that non-compliance with obligations to truthfully inform, or due to negligence failure to fulfill obligations to truthfully inform, enough to affect the insurer to decide whether insurance or raise premium rates, the insurer the right to terminate insurance contracts.
"Insurance Law" 27th article provides that: the insured person or beneficiary of the insurance in the circumstances of the incident not occurred, the falsely claimed the insurance accident occurred, the insurers to compensation or payment of insurance requests, and insurers have been the right to lift the insurance contract does not refund the insurance premiums.
"Insurance Law" 27th second paragraph of Article provides that: the insured, the insured person or beneficiary of the deliberate creation of insurance, accident, the insurer the right to terminate the insurance contract does not undertake any compensation or payment of the insurance payment.
"Insurance Law" 53rd article provides that: insured declared age of the insured person is untrue, and its true age is not comply with the agreed terms of the age limit, the insurer may cancel the contract, and, after deducting fees to the insured who returned to insurance premiums, but since the contract date of the establishment of more than two years are exempted.
"Insurance Law" 58th stipulates: ... Since the validity of the contract within two years from the date of termination of the lack of an agreement, the insurer the right to terminate insurance contracts.
After the establishment of the contract, but also through various channels identified as void ab initio the case of insurance contracts (for example, does not have insurance benefits in violation of this obligation, without the appropriate signatures recognized beyond the scope of coverage the insured ages, etc.).
(3), termination payment is determined based on "Insurance Law" Article XVI, the insured intentionally fails to perform obligations to truthfully inform, and terminate the contract after the non-refundable insurance premium; as a result of negligent failure to fulfill obligations to truthfully inform, you can return premium. Determination of the amount of termination payments paid by surrender provisions. See also surrender a calculation method in the "surrender calculating rules."
Based on "Insurance Law" 27th and 64th articles of the insured, the beneficiary of the insured person deliberately caused the death, disability or disease, if it has been more than two years to pay the full premium, the insurer entitled by contract to the other the rights of beneficiaries to return the cash value of insurance policies.
Declared by the insured person insured true of age, resulting in the company within two years in the insurance contract in force and lift the insurance contract, based on "Insurance Law" 53rd article, after deducting fees, insurance premiums returned to policyholders. The proportion of net fees in strict accordance with the terms of the implementation.
Based on "Insurance Law" 58th Article of the effectiveness of a contract of more than two years suspended cancel the contract, the insured has paid the full premium for more than two years, the insurer agreed to return under the contract cash value of insurance policies; policyholders did not pay the full two years insurance premiums, the insurer, after deduction of fees, refund of insurance premiums.
Invalid contract management principles, is the return of the premium the insured, while in accordance with the principle of fault liability, net of specific responsible party fees and other expenses accordingly.
6, borrowing, repayment
1, interpretation and application of insurance: insurance contracts which, under the terms of the borrower, in the insurance contract is in force, the insured to the insurance contract pledge, in order to apply for loans not to exceed the cash value of insurance contracts when a certain percentage of loan applications to the insurance company.
Applicable insurance: There are loan provisions in terms of insurance.
2, the applicant: the insured, but must be approved by the insured person (or their legal guardian) to sign an agreement.
3, application deadlines: insurance contracts in force and effect the contract expired two years.
4, submission of information (1) the borrower should submit the information: "loan application"; insurance contracts; the most recent evidence Paying premiums; insured proof of identity; trustees proof of identity.
(2) The repayment should be submitted to the information: "loan application" (the insured deposit Executive Alliance); borrowing insurer issued a "receipt" Customer Alliance.
7, convertible interests
1, interpretation and application: Convertible equity refers to the insured in the insurance contract within the validity period, according to the terms of the time choose to convert the insurance company approved life insurance, endowment insurance or annuity insurance contracts without the need for underwriting.
Scope of application: provisions contained in the provisions of the convertible rights and interests of individual life insurance or the insurance company and another document provides for conversion rights that can be handled insurance.
2, the applicant: the insured, but must be approved by the insured person (or their legal guardian) to sign an agreement.
3, application time: under the terms of the insurance contract expires on a certain period of entry into force of the corresponding prior year. 99 edition of insurance requiring applicants to time must be at least two years after the entry into force of the contract and the insured person under the age of 45 before their first birthday.
4, submission of information: "insurance contract to change the application", insurance contracts, most recently in premium payments, the insured and the insured person identification, the Trustee proof of identity (if commissioned apply).
8, insurance contracts, fill / renewal
1, Interpretation: the customer due to loss, defacement insurance contracts proposed by the complement / renewal application, insurance companies charge a nominal fee conducted on the basis of the complement / renewal of behavior, known as the insurance contract is lost, defaced fill / renewal.
2, the applicant: insured.
3, application deadlines: insurance during any point in time.
4, submission of information: "insurance contract fill / renewal application", the insured identification, proof of identity trustee (if commissioned handle), and defacement of the insurance contract (Ruoyin defaced replacement), insurance companies asked for Other materials (such as lost certificates).
(9), the transfer of the insurance relationship
1, the applicant: insured. Subject to the approval signature of the insured person.
2, application deadlines: the life insurance contract any point in time.
3, submission of information
4, turn out to submit information: "Application for the transfer of insurance relationship", insurance contracts, most recently Paying vouchers, the insured, the insured person's identity, the Trustee proof of identity, insurance companies requested additional information.
5. Into the submission of information: "Notice of the transfer of insurance relationship" First Alliance, "Notice of insurance relations move."
