Category: Insurance tips Release Date: 2006-08-01
"Money Weekly" reported that it was said: "The insurance claims hard to easy." But there are people in the incident said: "nice, thanks I had bought a share of insurance." Produce such diametrically with the view, the most important reason may be is that some people have successfully received payment of insurance money, to enjoy the benefits of insurance, but some people get the compensation Quemo smooth, so the insurance company somewhat complaints.
Several elements of an effective compensation To the insured person must be clear that not all incidents can have access to insurance compensation.
To get the insurance company for compensation, the most important is that the incident must be the responsibility of the insurance contract within the scope of the accident, super scope of responsibility of the insurance contract, the insurance company undertakes no obligation to pay compensation or insurance payment.
Insurance companies do not lose money in the end lose, more often with time-related. Insurance, accident, insurance contracts are effective or in the waiting period (observation period); to the claim, whether the claim is still within the limitations are directly related with the insurance companies are losing money. If you as the policyholder by the reminders, the still do not pay the premiums due, resulting in insurance contracts expired, or the insured's breach of insurance contracts set out the principles, resulting in the insurance contract null and void, insurance companies, of course, liable.
Indemnity insurance does not lose money, lose much, but also with the amount of compensation related to customer requirements. The amount of insurance indemnity to limit the amount of insurance, if it is repeated the claim, the total amount of compensation can not exceed the amount of insurance. For example, an insurance contract, the total amount of insurance of 5 million, accumulated by previous compensation 35,000 yuan, then the recurrence of insurance claims, insurance companies paid the maximum amount of only 1.5 million, the excess part will be borne by the insured person himself .
Moreover, the failure to pay premiums on time to fulfill the obligations, the lack of the necessary claim documents, materials, etc. will also be exclusions. Insurance professionals advise that if consumers pay more attention to the details of the insured, when, many exclusions in fact be avoided.
One: do not truthfully tell the truth, do not lose According to the insurance industry sources, at present more than 80% of the exclusions you have been a result of not "accurately inform the" cause. One important principle of insurance contract is the insured to bear the "accurately inform the" obligation. When you insure a small "hide" will lose the right to claim in future. In particular need to be reminded that, in some health insurance insurance and life insurance, many people first tell some history, but the salesman said that may from time to fill in, the results of later accused of "hiding" condition is hardly a far refuted, and had refused lose. We should know that the law recognizes only a written record of the insurance contract in this matter.
Two: on behalf of signature, do not lose Signed on behalf of insurance claims arising from disputes are also frequent, with family, friends, colleagues (in the more common group insurance) on behalf of the signed and also signed on behalf of an insurance man, but no matter what the situation is insured in behalf of the signatures are absolutely undesirable The.
Three: does not belong to the insurance responsibility, do not lose In the absence of find out the insurance policy held by the hands of the responsibility to the insurance claim, but in the end rejected the situation is more common.
The four: an exemption clause, and not lose And "does not belong to liability insurance deductible" The situation is similar, although some insurance, accident insurance, the responsibility appears to belong to, but on the contrary listed in the "exclusion" clause, then unfortunately, also not get the insurance policy holders compensation.
The five: To
observe the period of illness, do not lose Some compensation for therapy with medical expenses insurance contracts, in order to prevent the insured intentionally ill insured, but also in order to reduce the risk of insurance companies, including a provision that is: insurance liability from the waiting period (observation period) since the end of the day, if the insurance accident waiting period (observation period) occurs, the insurance company for compensation office live.
Six: the intent to cause death of the insured person does not lose At present, the attempt to "kill your wife", "suicide" and "killing children" and other ways to obtain a high insurance case is commonly found in newspapers, and many people in order to obtain insurance, not hesitate to sacrifice the lives of themselves or their families do bet. As everyone knows, such an approach runs counter to the basic social morality, the law is unable to obtain any support, the result can only be a gamble, "lose the wife of another soldier off," can not get insurance, but also to legal The severe penalties.
