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Data:2009-12-12 2:34
The purchase of health insurance, there are a lot of selection techniques, in which a very important rule is to look at this insurance if they contain guaranteed renewal provisions. Because the risk control reasons, most insurance companies short-term medical insurance policies do not undertake to guarantee renewal, the actuaries, to ensure the renewal of this provision became controversial. However, for consumers, to ensure that renewal is really beneficial, and now, and indeed there are some insurance companies to ensure renewal of services.
After the illness difficult to renew the policy because of renewed problems, hospital charges, hospital subsidies, short-term medical insurance is "torture" the insured to the insurance of the community. Ms. Chen-patient medical insurance company insurance additional insurance has been five years, annual insurance before the insurance company should be subject to underwriting, but also to the hospital for a medical examination. This year in May, Ms. Chen won hepatitis, hospitalization costs spent 3 million yuan, insurance claims later, Ms. Chen would like to re-attach the insured health care insurance, the insurance company has been declined. Ms Chan's experience is not accidental, many consumers have complained about this: When my health insurance coverage for me, but there really was flashed disease insurance.
A one-year health insurance coverage than people who know, the insurance must be right before the insurance company underwriting the insured person, and then decide whether to insurance underwriting results of the increases, or get rid of some liability insurance. Even if the insured is a long-term insurance plans, but the beginning of each policy year, these procedures can not be one less.
Generally, these short-term medical insurance is a one-year guarantee, if the insurance period in Chuxian insured, the insurance company paid, the next year, often can not be renewed. In accordance with the insurance companies say that this is because the insured person even if cured, re-risk of disease remains high, and now have a higher incidence of chronic diseases, in terms of renewal of the insurance companies too risky.
Ensure that the risk of renewal to resolve, once guaranteed renewal, the insured risk can be effectively averted. According to experts, the so-called insurance companies to ensure renewal is due to be insured unconditionally to the renewal. Insurance companies, once committed to ensuring that the insured person, after renewal, it lost the insured person the right to conduct nuclear security, regardless of what the insured person suffering from disease, a new insurance company is allowed to increase their premiums, but can not be refused insurance coverage . Because the risk of large, often the conditions for renewal of the insurance companies make different provisions, some provisions of the insured for 5 consecutive years the company has not paid to disease can only be a permanent renewal, and some company is 3 years. Example Ping hospitalization insurance provided for peace of mind, insurance policyholders at least three consecutive years after the approval, agreement and determine the conditions for renewal after the first 4 years from the beginning to the agreed maximum renewal age, each year the insurance policyholders to pay current schedule insurance premiums, guaranteed renewal of the insured.
The two companies committed to renewal based reporter learned that the scope of the market at present there are two insurance companies have launched this feature in additional health insurance products that are safe and the Pacific Insurance Company. Among them, China Ping An Life Insurance Company's products have begun to enter the renewal of the guarantee period, while the Pacific Insurance Company due to late product launch, have to wait until 2004 to ensure renewal period only started to enter.
