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Category: Insurance tips Release Date: 2006-08-01

Insurance experts suggest that the insured person to go through procedures for career change

Mr. Wang, a few years ago to buy a health insurance, his insurance when the job is the project manager of a construction site, due to the higher risk of occupational accidents, the insurance company in the premium income and to carry out a "professional fees and charges "Now, he transferred within the company to do project planning engineer, then he will pay the premium each year, does it need to get their pen" professional fees "do?

In this regard, the Shenzhen branch of China Life Insurance Underwriting Department official said, in fact, insurance companies usually will develop an occupational risk factor of the corresponding table, the customer when the insured, they may be work and occupational risk factors comparison of the corresponding table, different premiums in accordance with occupational risk factors to be different.

It is understood that after the insured if the insured person's occupation changes, insurance companies, according to "Occupational Risk Form" to make exclusions to customers, plus fees, change such decisions, that is, if reducing the level of occupational hazards may also be part of the premium reduction and vice versa, there may be fees and charges to ensure that policies remain in force.

Insurance experts said, sometimes the customer although the job has changed, but the risk factor has not changed, in this case, we should not apply to insurance companies, "career change", but the majority of the insured itself and is not an accurate grasp of the information Therefore, the proposed insured event has changed, to insurance company or agent of the customer service department for consultation, if the risk factors had changed, it is necessary to change the insurance companies handle employment procedures, do not trouble, otherwise, if the occurrence of insured event it would be possible to their claims great impact.

On the above example, Mr. Wang's case, his career from the construction site project manager transferred into a project planning engineer, risk factors greatly reduced, so that he can handle the relevant procedures to the insurance company, which is reasonably minus the sum of "occupational Canada fee. "

Career change-related cases have only been partial compensation and failed to inform the work of Ah-chiang in a hotel, the daily job is responsible for the hotel welcome and hospitality Six months later, Ah-chiang from the hotel switched to a factory to do electrical workers, unfortunately, in a factory accident, Ah-chiang accidental death.

Ah-chiang had insured 50,000 yuan of accidental injury insurance, but the claims down, the insurance company only paid 3 million. Two It turned out that when the original Ah-chiang insured to work in a restaurant belonging to injury risk in the first category of the occupational hierarchy, but the work of conversion, its occupational hazards rating raised to the third category. Ah-chiang was insured person did not inform the insurance company job changes in a timely manner, career change fees apply. Thus, in the insurance after the accident, the insurance company combines all relevant factors, the original amount of 50,000 yuan insurance premium, finally paid more than 30,000 yuan.