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Data:2009-12-12 2:34
Taurus Investment insurance is for the national launch of the Chinese People's Insurance Company of personal financial products - set of savings, investment, insurance, banking in one of the family property insurance. Customers buy "Taurus investment insurance" only once to pay the principal, without payment of premiums will be awarded a 5-year family property insurance, liability insurance after the expiration period of the return of the principal and get huge return on investment, its return on investment higher than the bank deposit receipts, income exempt from personal income tax.
1, the purchase of the insurance for at least how much money? There is no upper limit?
This insurance according to copies of sales, an insurance investment insurance payment for 2,000 yuan, the insurance amount of 15,000 yuan; an insurance policy up to buy more copies of the insurance, the insurance amount can not exceed the value of the insurance and property insurance, or will become over - insurance. Under the "Insurance Law" stipulates that an insurer can not exceed the amount of the insurance value; more than the insured value, the excess is invalid. From the insurance perspective, the insurance of the insured limit of insurance is the insurance value of the property.
2, the family property insurance is insurance what is?
This issue consists of two aspects. First, what the property can be used as the subject of individual insurance Taurus; second Taurus insurance coverage is. PICC P & C insurance companies in general subject areas such as housing, interior decoration, clothing, furniture, household appliances and so on, the Chinese People's Insurance Company of the Taurus insurance on the basis of such insurance, an increase of the underlying cash, gold, silver, jewelry, jade, diamond and products. Of course, there are some things that can not be the subject matter of insurance, such as antiques, calligraphy and painting, securities, etc., because of their value difficult to ascertain. As for the subject to which property can be used as insurance, those who can not, need to carefully read the insurance terms. Second, Taurus insurance coverage for that? Taurus insurance coverage, including basic duties and special responsibilities. Basic responsibilities include fire, explosion, lightning, typhoons, cyclones, storms, heavy rain, floods and other accidents and natural disasters, accidents caused by loss; special responsibilities include the responsibilities and raiding the responsibility of pipe rupture and water-soaked.
3, cash, gold, silver, jewelry, jewelry how Paul?
Cash, gold, silver, jewelry, jewelry is the subject of insurance, the insurance, but because of the uncertainty of its value and the amount of time variability, we have the insurance required under the terms of the compensation limit for each compensation under the insurance limit of 300 yuan , if a customer no matter how many copies of insurance, each insured person in the insurance contract to have the highest amount of compensation of 3,000 yuan. For example, if a customer purchased five copies of the insurance, the result of theft incidents have taken place in the total loss of 10,000 yuan, of which, cash, gold, silver, jewelry, jewelry losses of 5,000 yuan compensation from insurance company is: 5000 +300 * 5 = 6500 RMB. (Analysis process is as follows: to purchase five copies of the insurance, robbery under the responsibility of the insurance amount is 15,000 RMB; which, cash, gold, silver, jewelry, jewelry compensation limit of 1,500 yuan; place of cash, gold, silver, jewelry, Jewelry loss of 5,000 yuan, 5,000 yuan for other losses; 5000 +500 * 3 less than the 15,000 limit, so full compensation.)
4, without full insurance, accident insurance, insurance company happened to any compensation?
The general property insurance require full insurance, that is, the insurance amount and the actual value of the property to be consistent, if not full insurance, Chuxian the proportion of time will be paid by the insured. But the Taurus and general insurance, property insurance is different from Taurus insurance compensation in accordance with first a dangerous manner, that is the subject of the actual damages in accordance with the insurance, but does not exceed the maximum amount of insurance. We recommend that the value of property insured under the insurance policy to determine the amount of insurance, full insurance. But, even without full insurance, the compensation will not be insured when the insurance companies in proportion to compensation, but the amount of insurance or compensation for actual damages within the limits.
5, customers can insure on behalf of others in the insurance?
Under the Insurance Law, the subject of insurance policyholders should have insurance benefits. Insurance the insurer, the insured person the insurance interests of investors, policyholders are required to pay the insurance investment insurance payments, while the insured is also the expiry of gold Upon receiving the payments were. The insured person can be insured himself, it can be to others. The insured person to have access to insurance coverage and obtain the right to compensation insurance limits. Determined by the insured person insured person is not my time, if not with the insurance interests, they should obtain the written consent of the insured person.
6, in the insurance liability insurance after the accident that occurred during the customer how should I do?
Customers should be actively rescue, and their losses reduced to a minimum, should also be informed the insurance company within 24 hours (which can play the China People's Insurance Company 24-hour service hotline 95518 can also be played Xinzhou Sales Department claims phone 3874401), and the accident After the five working days written notice to the insurance company cause of the accident, after, and losses.客户在向保险公司申请赔偿?应当提供保险单正本或保险凭证、财产损失清单、发票、费用单据、有关部门的证明以及证明实际损失情况的其他单证或证据?br>
7, during the period of insurance liability insurance if the accident occurred on many occasions, the insurance company to compensate?
If there were several cases during the period of insurance liability insurance, accident insurance in accordance with an annual aggregate amount of compensation or compensation does not exceed the insurance limits the amount of the principle of compensation, that is, if the insurance company within a year, total compensation for more than the basic responsibility or special responsibility insurance amount, or more than a compensation limit, then the corresponding failure of responsibility, but other responsibilities under the compensation is not affected. If the customer would like to restore the same amount of insurance policy year, you can restore the insurance amount to the insurance company's request and in accordance with the provisions of this part of back premiums (Annual premiums for the insurance each Taurus 25 million hours of back premiums just added pay the outstanding part of the premium). According to the terms of the insurance, the insurance after the accident occurred, regardless of the year whether to reinstate the insurance amount, the insurance amount in the next policy year will automatically be restored, the insured without paying any fees.
8, please tell us Taurus-type family property insurance, investment protection principles.
Taurus Investment Insurance is actually a combination of contracts and insurance contracts, purchase Taurus insurance policyholders and investment clients with a client's double identity. Insurance companies through a variety of national investment policy allows for investment in gold investment of insurance operations, through the return on investment operations to pay our customers benefit from the payments and insurance premiums. Therefore, the purchase of insurance to customers in addition Taurus can get higher than the bank deposit rate of return on investment returns, can get a family property insurance, insurance, do not pay their own premiums.
9, if the insurance liability insurance, an accident occurred during the period, the customer can get back the maturity payment schedule shown with gold?
As part of the Taurus insurance, investment and insurance part is relatively independent?? Dangerous incidents occurred and whether the insured person has received compensation from insurance implications. Therefore, regardless of whether it occurred within the time limit in the insurance claims, will not affect the expiration of the contract customers receive payments of principal and investment income payments.
10, which is a regular insurance, if I needed money, is it possible at any time surrender, losses are not so big?
Taurus insurance, the insurance period of 5 years, if a customer needed money at any time surrender. Entry into force of the insurance contract period of less than 6 months, each payment of gold for each insurance investment payments deducted 200 yuan fee; entry into force of the insurance contract period of 6 months less than 12 months, each payment of gold for each insurance investment payments deduct 100 yuan fee. Entry into force of the insurance contract period of 12 months less than the insurance period, according to the following formula to calculate surrender payments payments:
Payment payment = payment + insurance investment insurance investment payment × [0.99% × (number of days underwriting -365) ÷ 365 × 80%]
Therefore, the insured at least 12 months after the surrender of the customer, can still get some return on investment.
11, can briefly explain the process of insurance?
If an individual insurance, you want to fill out a single insurance, sign on the name, show his ID card on it. Insured shown on the need to fill in the name, insurance, property address, identity card numbers and other information, if you have any do not understand where the insurance company clerk or bank teller, sales agent will provide you with the necessary guidance.
12, now where can I buy this insurance?
Is currently available in China, People's Insurance Company of all business outlets and Shenzhen City Commercial Bank outlets Taurus insurance coverage.
13, if the banks cut interest rates, Taurus insurance rate of return on investment will come down?
No. Taurus belongs to a fixed dividend-based insurance investment-oriented insurance and investment in the insurance rate of return within the time limit is fixed and will not cut interest rates by the banks affected.
14, if a customer insured moving house, what procedures should be handled?
If the insured person to move, which means the address of the insurance of property changes, the customer should make timely changes to the insurer-insured property address marking procedures.
15, surrender and maturity in what the local handling of return?
People's Insurance Company of China, Shenzhen Branch sales department Xinzhou handled. Shenzhen specific address: Binhe Road, Futian, Shenzhen Wan Municipal Services Building, first floor, Telephone: 3874426
16, customers buying multiple copies of insurance, due to Ji Yong Qian, several of them can retreat?
可以.
17, surrender and maturity payments needed to bring the document have?
The case of personal insurance, please bring the original insurance policy holders, I can prove my identity card or other valid identity document to the Chinese People's Insurance Company Shenzhen Branch sales department handled Xinzhou; insured is a legal person or other organization, should provide the original insurance policy, legal persons or other legal proof to prove, power of attorney signed by the legal representative and the managers identification documents.
18, after the customers of the insurance loss how to do?
Customers should immediately report the loss to the insurance company handling procedures, the insurance company will reissue the insurance endorsement to the customer.
19, the product and investment-type life insurance products What is different?
First, the Taurus are investment-oriented insurance, property insurance, it is the nature of insurance, life insurance and investment-type is essentially different. Taurus compensation insurance is the nature of insurance, investment-oriented life insurance is the nature of the insurance payment.
Second, the two kinds of insurance investment to connect in different ways. Taurus family property insurance is the payment by the insured to pay insurance investment to achieve the connection, the premium received from the investment proceeds; while life insurance premiums paid by the insured is the direct application of investment, without having to pay additional to invest in the premium gold.
