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Data:2009-12-12 2:34
Obvious flaws in a policy, whether from industry practices and legal point of view, insurance companies tend to be paid the sum insured. Why insured claims were still repeatedly rejected? On the one hand exposed the insurance company claims there are many defects in the procedure; the other hand, a clear lack of relevant insurance laws and regulations, but also makes the recurrence of similar incidents.
China's "Insurance Law" Article 13 provides that: "the insured insurance requirements put forward by the insurer agreed to cover, and to reach an agreement on the terms of the contract, insurance contract first." However, this provision would be set up and the entry into force of contract interpretation and is not specific, the insurer agreed to the criteria and not in the "Insurance Law" clearly.
In this case, it is necessary to minimize the "effective date of the policy" ambiguous attracted disputes, as a policyholder, the insured can do is try to do the time "to protect themselves."
The first is the terms. In completing the policy, as well as receive a formal policy, we need to confirm the policy of "insurance period" or "policy effective date" and other factors, and pay attention to the policy provisions of the insurance period for the presentation. If do not understand, we must take the initiative to the agent or insurance company to confirm the effective date of the policy.
Followed by payment. Insured must be noted that the premium paid to retain the fees credentials issued by insurance companies is very important, and we must pay attention to confirm whether the agent has paid insurance premiums in a timely manner. After paying the premium, if not the time to get insurance agent agreed formally issued by the insurance policy, must be alert to the agent or insurance company as soon as possible be obtained.
Once again, agreed. The law is that "he had agreement from the agreement", the insured must pay attention to all kinds of "Promise." Such as health care insurance contract, the insurance policy is often marked "waiting period" (the observation period) is the number of days. During this period, even if the insurance contract in force, but the occurrence of insured event, the insurance company would not have liability.
It is worth mentioning is that sometimes insurance companies will set up its own "insurance gap" period, so a single day is not necessarily the policy effective date. The insured must be carefully question more clearly.
