Identify the demand for buying insurance Insurance Tips

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

Mr. Yoo had a friend some time ago and briefed him on the insurance. "Has 10 years of friendship, and anyway, buying insurance is a matter of time, listen to him that I was able to readily come up with 5,000 yuan to buy 10 million of insurance." Do not Coincidentally, shortly after Mr. Yoo hospitalized with acute enteritis and spent 3,600 yuan, so he thought of his friend, and asked to buy insurance Can you lose? A friend told him that, at the time to buy is a major illness insurance, there is no additional hospital medical insurance and therefore can not lose. Mr. Yoo was annoyed: "I spent so much money to buy insurance, and went so far as not something to lose, a process, not buy enough."

In fact, as Mr. Yoo do not know of the policy caused unpleasant incidents occur. The main reason for these complaints is that some insurance agents on the one hand because of professional quality is limited, can not be designed from the customer's needs or to the customer to explain the policy; the other hand, customers tend to trust his friends have added, so that friends, "single-handedly fend "after a single sign insured own words on the list, as to what to buy insurance, what protection is often unknown; combined with our understanding of many customers of insurance deviation, that as long as buying an insurance policy on the view that everything is all right, an accident, policy is the "universal", and what can be compensable.

Select a suitable own insurance

Insurance is a complex commodity, consumer has a unique and long-term, it is unlike other products, tangible, you can take people, give as gifts. Therefore, buying insurance, the policyholders give more consideration to insurance requirements, and would like to have full understanding of insurance terms, so policyholders must carefully listen to the insurance agent's description, do not just see color pages and insurance promotion plan, it should be read carefully条款. In reading the terms, we should focus on "liability insurance" and "exclusion of liability," the two parts in order to clear these insurance policies can provide for themselves what kind of protection, then cf its own insurance needs, do not wait until after occurrence of insured event found "buy the wrong insurance,." If the insured person to buy the investment-oriented insurance, instead of just staring at "expected return on investment," the insurance companies must focus on investment in the strength and prospects for development.

In fact, the full protection that we all need to buy insurance, there is no right and wrong in itself be divided, but at some stage, according to their personal economic capacity and security needs, there is the difference between fit and unfit, so some people think that buying insurance "be taken in "is not science.

Choose quality service insurance company

Insurance is a business risk of financial enterprises, "Insurance Law" to require insurance companies can take two forms Co., Ltd. and state-owned sole proprietorship, in addition to separation, to merge, are not allowed to dissolve, so to any one insurance can all be rest assured that .

Insurance products is also a special commodity, its sale is a contract, a promise, and life insurance which is the people's life and health insurance subject matter, coupled with the complexity of life insurance products and long-term nature, therefore, the relative in the property insurance, the life of the service is more challenging, and therefore the level of service life insurance policies also reflect the insurer's operations.

As a result, buying insurance, insurance companies must examine the strength and service quality of service is good or bad policy is not only related to an agent, but also related to insurance companies. When buying insurance, consumers can look at this company for the "orphan list" (orphan policy is due to various factors, so that insurance companies can not collect the premium for renewal of insurance policies) is how to deal with, there are no specific services sector with the Jin; the insured person in a foreign place insurance, accident, insurance services, the network is able to timely and effective processing and payment? When the insured person living and working strengths of different places, it can facilitate the expeditious conduct of policy move? And so these are all policies related to follow-up services, and these services will be closely linked with the insurance company's strength.

In addition, the consumer buying dividends and other investment-type products should look at the company's operating conditions, such as the premium income growth, in recent years, the profitability and whether they could provide customers with a wide range of investment banking services. Obtained information is also not difficult, consumers can go to the website of the insurance inquiries, or to inquire about the insurance company a unified hotline.