Category: Insurance tips Release Date: 2006-08-01
1, the insured before the note
(1) If the company selling the insurance salesman door service, you have the right to ask him to produce an "insurance agent Certificate of exhibition industry," and ID, and voice calls through the company's checking his identity. Otherwise, you can refuse his visit.
(2) You can according to their economic situation requires that you select a salesman for you to develop a "insurance plan."
(3) Carefully read the insurance terms, in particular, insurance liability and exclusion of liability.
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2, How to buy life insurance
Life insurance can be divided into three categories, namely, survival, pension type, accidental injury insurance and sickness insurance. According to their own situation should be a reasonable match. To buy to buy less, the decision may be based on economic conditions. In general, the annual expenditure of the premium amount to your family for 20% of annual income is appropriate, then, as income levels increase, coupled with buying second, third new policy to meet demand.
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3, how to fill out insurance book
(1) The insured should personally fill in the book, and informed, if the concealment, under the "Insurance Law" stipulates that your rights can not be guaranteed.
(2) The designated beneficiary when the insured person must be recognized, and clearly write the name. If not filled, places legal heirs of the order.
(3) The insurance book, the insured and the insured person must be personally signed or sealed, otherwise the contract null and void.
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4, physical examination and medical examinations,
If your insurance company involved in the disease or medical insurance, and insurance amount up to the required standards, the company will invite you to a specific medical institutions related to medical examinations. Meet the insurance conditions, medical examinations undertaken by the company and for you to apply for insurance. If the medical insurance does not meet the conditions, medical examinations by your own commitment and declined coverage.
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5, obtain a copy of the first phase of payment receipt and Policy
(1) When you have completed the insurance book, and will deliver the first phase of insurance salesman, please make sure you obtain a copy of the first phase of the premium receipts received in advance, rather than white receipt.
(2) When the clerk will be presented to insurance policies issued by insurance companies to you, please carefully inventory your insurance policies, terms and an official receipt to confirm correct then, fill in the policy delivery receipt book to the clerk.
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6, customer rights and interests of one or cancellation rights:
Insurance Law Article 14: Except as otherwise provided in this Act or the insurance contract otherwise agreed, the insurance contract is established, the insured can lift the insurance contract.
Article 68: policyholders cancel the contract, more than two years have been paid the full premium, the insurer shall cancel the contract received within thirty days from the date of the notice, refund the cash value of insurance policies; did not pay the full premium for two years insurance in accordance with the contract, after deduction of fees, refund of premiums.
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Second, change the right:
Article 20: In the insurance contract is in force, the insured and the insurer endorsed the consensus, you can change the content of insurance contracts. Change the insurance contract should be decided by the insurer in the original insurance policy or other insurance certificate, endorsement, or affixed to a single batch, or by the insured and the insurer entered into a written agreement to change.
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Third, the right to claim:
Article 22: Insurance After the accident, in accordance with a request for insurance contracts the insurer paid compensation or insurance payments, the insured, the insured person or beneficiary shall provide to the insurer to offer insurance, accident and confirmed the nature, causes, the extent of losses and other relevant evidence and information. In accordance with the insurance contract, the insurer agreed that the relevant evidence and information is incomplete, it shall notify the insured, the insured person or beneficiary to provide additional evidence and information.
Article 23: Insurance is received by the insured person or beneficiary of the compensation or payment of insurance money request, shall promptly be made for approval; right belonging to the insurance liability, the insured person or beneficiary with the agreement on the amount of compensation or insurance payment within ten days after the agreement to fulfill the obligation of compensation or payment of insurance premiums. Insurance contracts of insurance compensation or payment amount and the time period agreed, the insurer shall be in accordance with the agreed terms of insurance contracts to fulfill the obligation of compensation or payment of insurance premiums. The insurer did not timely perform its obligations under the preceding paragraph, in addition to paying the insurance payment which should compensate the insured person or beneficiary, therefore subject to loss. Any unit or individual may illegally interfere with, or compensation insurer to fulfill the obligation to pay insurance premiums, nor shall it limit the insured person or beneficiary to obtain the insurance payment. Insurance amount is the insurer to pay compensation or to pay the maximum amount of liability insurance.
Article 25: the insurer of receipt of compensation or insurance payment requests and related evidence, data, within sixty days from the date of its payment of insurance compensation or the amount can not be ascertained, it should be the basis of available evidence and information to determine the pay the minimum amount be thoroughly; insurers to finalize the compensation or pay the amount of insurance, shall pay the corresponding difference.
Article 26: life insurance other than insurance, the insured person or beneficiary, right to seek compensation insurer or insurance payments the right to know the insurance from its date of the accident two years not to exercise and eliminate. Life insurance, the insured person or beneficiary of the insured person the right to request payment of insurance, accident insurance, since its known for five years from the date of exercise of elimination.
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7, the meaning of grace
After the insured must pay the renewal premium on time in order to ensure the sustainability of the insurance contract. Renewal payment methods are:
(1) bank automatically referred to; (2) An insurance company sent someone to collect fees; (3) You went to the counter Contributions insurance company in three ways.
To the payment date, if you have not paid, the company will give you a 60-day grace period so that you will not be a momentary inconvenience Ershi insurance contracts expire. Within the grace period, insurance companies have to shoulder the liability insurance.
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8, how to handle the transfer of the insurance relationship
In the insurance period, if you are moving overseas because of work or residence or from overseas moving locally, can have an identity card, insurance policies and payment vouchers to the original company apply for the policy of transfer. Since my company has a sub-urban and rural areas throughout the country, branch companies, which will make you easy to carry out the policy shift, but not surrender.
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9, careful selection of surrender
Surrender during the period of insurance, the insured more than two years, the company according to the policy cash value to the table the amount of refund. And less than two years, the company will be deducted after the procedure to return the premiums paid. Because fees and pre-insurance responsibilities, certain time period, the cash value of the ratio of premiums paid by low, so, particularly for long-term insurance, terminate a contract with a great pity. Second, the contract termination with age, and then insurance premiums will follow when the increase; If your physical condition deteriorated, it may not pass the company's audit, you will lose the opportunity to re-insured. Halfway surrender, more harm than good, please carefully into it.
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10, contract changes and corrections
Policy is your contract with the insurance company and, if discrepancies or errors, to request a change insurance companies in order to avoid claims, or to receive payment when the survival of trouble. About the changes the contents of the General are:
(1) the insured to change
(2) beneficiary changes
(3) the insured person's date of birth and sex of Correction
(4) The fee to change address and address to live
(5) payment method or change the receiving mode
(6) accidental injury insurance for occupational categories changed
(7) Other text error correction and so on.
