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Data:2009-12-12 2:34
"Insurance contract is too unreasonable, when the agent is clearly said that this situation can get claims, the insurance company went so far as exclusions." We often hear complaints such as these. The insurance market continued disputes and insurance, many people distrust attitude, even think that an agent is a liar, the insurance company is get money. In fact, through the purchase of insurance, can effectively prevent and avoid disease or disaster caused by financial difficulties, while allowing a degree of preservation of assets and value-added. But in insurance, you need to prepare the work of the insured.
Before insurance
Before purchasing insurance, first of all should have a basic understanding of insurance. Apart from a number of insurance agents get a basic knowledge, it is necessary to personally from books, networks, or get some insurance, insurance experts, common sense, and insurance purchased for attention.
In addition, the insured should clearly understand their needs, select the appropriate types of coverage. If an accident or disease to reduce the burden of the family to take care of his family, should choose to protect the insurance-based products; if the preparations for their children's education funds or pension funds to prepare, then the choice of saving-investment-based insurance products suitable.
And then to measure their economic capacity, and determine the appropriate premium. Paid an annual premium, in general, to an individual or family's annual disposable income of 10% suitable. Careful calculations need to protect or prepare the cumulative amount of savings, and payment in accordance with the present ability to determine the appropriate amount of insurance. Each insurance product the amount of premium to be paid each year and insurance is proportional to the size of the amount. If the affordability of insurance need not reach the amount of time may consider affordability increases, the successive increase in the amount of insurance or re-purchase of second, third new policy to meet their needs.
Later, is to choose the appropriate insurance company. People need a clear understanding of the situation of insurance companies, select a good reputation and good operation, financial strength, good service insurance. Recommend choosing an insurance agent can understand the basic situation to the insurance company or directly require the insurer to recommend good agents, but more importantly the customer personally read the official materials issued by insurance companies, there are questions about the consultation by phone to find out about insurance companies .
When reading the insurance policy should pay special attention to two types of provisions: liability insurance provisions and exclusions. The so-called exclusion is not responsible for the project refers to the insurance company pay liability insurance premiums project. Every insurance product the insurance companies are listed, except the responsibility of the project.
Among insured
First, the book must personally fill out insurance, Paul the book to be truthfully informed about this matter, do not conceal the omission, to ensure that the insured's rights. Policyholders insured in the insurance book (signed) field should be personally signed or sealed, and requests the insured person insured person (signature) column personally signed or sealed.
In the insurance company failed to issue the insurance policy prior to the book, together with the insured to pay the initial premium, the insured should be obtained from insurance salesman received a receipt issued by the premium or premiums temporary receipt. To ensure that the interests of policyholders, it is best not to charge an individual or any other salesman on behalf of the receipt issued.
Fill out insurance and pay a single premium within one month after the first phase, the insured will receive a formal insurance policy. Receipt of insurance, the policyholder must be carefully reviewed and found errors and omissions to require insurance companies to pay an agent a timely correction. If confirmed that the policy is correct, complete insurance receipt back to the company to pay an agent to ensure that the interests of policyholders.
