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Data:2009-12-12 2:34
When the insured (which requires the insured person) for the insurance, the first to write a written application, generally known as a single insured. This is the insurance company to accept insurance, a Li-insurance basis. Some insurance policies also serves as a single insurance policy an integral part. Insurance alone will normally take include the following:
1. Insured name: clear is who apply for insurance.
2. Insurance Date: Description of insurance for the date. From the date of the insured, the insurance company began to assume responsibility.
3. The insured person's name: may be an individual, it can be business units, groups, and so on. This clearly is a security risk who, although often the insured policyholder, but the two are not a lot of people's situation.
4. The name and quantity of property insurance: What is the specific insurance company? Also known as insurance products, such as fixed assets such as housing 1. Property insurance, life insurance does not exist, because Paul is the insured person himself.
5. Insurance Amount: clear the amount of property insured, the insurance company in the future that is in accordance with this amount of money to bear the financial responsibility, a maximum of no more than this amount. The principle of insurance is to compensate the insured person's actual damages can not be due to additional insurance benefits. Thus, in principle, according to the actual value for insurance, because in real life all-inclusive property, materials should be accurate to 11 to determine its actual price is more difficult. Therefore, some at book value, and some according to the invoice value, and some according to the market valuation. Insurance amount is divided into the total amount of insurance and breakdown insurance, the amount of two kinds, which is insurance companies in order to further clarify the responsibility of each property limits, but also facilitate the breakdown of the insured value of the insured to consider because the majority of property insurance in the actual price paid by the loss, such as house insurance, the amount of 1 million, the fire burned, the actual worth only 8,000 yuan, assuming that all of its burn, then the insurance company only to lose 8000. Therefore, the more insurance premiums of white flowers, less jeopardized by lack of full protection. Therefore, the amount of breakdown of the insurance will help to determine the price for each category of property. Such as family property insurance, if the insured the project more, it can be divided into a number of yuan furniture, clothing, several million yuan a number of household electrical appliances and so on.
6. Address of the name: a clear goods, insurance companies located in any place. For example, fixed assets are written on the housing address and housing in their building.
7. The insurance period: a clear responsibility to start and terminate the period of insurance companies.
8. Point or the beneficiary of the payment of compensation: fixed assets in general on the local insurance paid, the flow of goods, most of the local payment is not insured, often at the destination, or another location requested by the consignee. Therefore, to specify location, so that they could pay compensation.
Life insurance insured casualties occurred, especially in death, I could not receive the insurance payment, but also the designated beneficiary to receive the payment of insurance money, or enjoy the rights and interests.
After a single fill out insurance to insurance companies, policyholders should be done as the procedure is basically almost the same. Insurance company that is in accordance with relevant requirements, the vetting agree that insurance, if agreed, insurance companies, fill out insurance based on premiums to calculate insurance premiums and then paid by the insured or the insured person to receive insurance premiums, insurance companies still in the process To carry out the necessary underwriting survey.
