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Data:2009-12-12 2:34
Part I: insured pre -
1, fully listen to the words of relatives and friends or colleagues rather than buying insurance, saying that buying insurance is not good, harsh terms such claims is difficult.
Comment: In fact, do not buy insurance for only one reason, that is, when you place described in the terms of the insurance risk, such as won major diseases, if not let you buy insurance, relatives and friends or colleagues to you sign a promise from him to payment, then you can rest easy, for the insurance salesman away. Otherwise, he is right you are irresponsible.
2, that the moon than China's round, heart and other foreign insurance always want to come take a look to say.
Comment: In fact, both the Chinese-funded insurance companies or foreign insurance companies, the sale of insurance products must be approved through the China Insurance Regulatory Commission, and its management is at the moment under the supervision of. At the same time, it should be recognized that foreign insurance is to pan for gold, rather than charity relief. Again, even if you are not optimistic about the Chinese-funded insurance companies, insurance, or at least should first have a high accident protection. After all, accidents can happen at any time. When you want to buy insurance, you may not have been eligible for a.
3, the former insurance professionals who are not invited to the individual or family and personal risk assessment of scientific and effective, while fully listen to business people according to personal preference, recommendation or non-guaranteed insurance coverage, such as insurance-linked insurance and bonus.
Comments: Each person's personal risk of each family member is different, so the demand for protection are different. Risk assessment is not blindly insurance, insurance is likely to result in a situation of insecurity and can not achieve effective risk transfer and buying insurance is to buy protection purposes.
4, complete confidence in insurance business, personnel or their relatives and friends, in the insured when the insurance policy without a detailed review.
Comments: it is clearly set out the terms of the insurance liability insurance and exclusion and which lose, and which do not lose, in fact, quite clear. Be sure to insurance personnel, insurance plan or an oral commitment with the insurance provisions of comparison, there is no problem when the re-signing.
5, buy insurance, a variety of names operations staff to ask for a rebate.
Comments: insurance agency business, the commission staff relied on to survive the same time, they happened to carry out business costs such as telephone charges, transportation costs, meal costs, insurance and publicity costs, need to own. There is no income, insurance personnel is very difficult to provide customers with detailed and thoughtful after-sales service. After all, insurance personnel also need to survive, they also need to support their families.
6, with no qualification of the insurance business personnel exchanges.
Comments: If you come in contact with persons without the necessary insurance certificate or work permit exhibition industry, instead of signing is dangerous.
7, just consider the small risk without adequate insurance large and major risks.
Comment: In fact, the risk of losses caused by small we often can withstand and resolve, while the big risks is often brought disaster.
8, and can not explain in detail the terms of the insurance business, insurance, personnel contacts and listen to their verbal commitments and signing.
9, failure to insurance as an individual or family as part of an overall financial planning.
10, the insured did not ask before the neutral party who provides the insurance business plan insurance blindly assessed.
11, to purchase insurance before the insurance company failed to check the level.
Comment: insurance, especially life insurance, often decades or even centuries of insurance contracts, in general, should choose a rating scale of great strength high capital company.
12, will be treated as investment in insurance, buy only dividend-linked insurance or insurance.
13, in the absence of serious illness on the basis of co-ordination, only purchase the amount of payments based insurance, without taking into account pro-rata reimbursement of medical and hospital insurance.
Part II: insured
14, failure to carefully save the insurance policy, receipts and other documents.
15, the amount of insurance or insurance much less, and even bought the wrong types of insurance.
16, bought a liability insurance policy and the existing complete or partial repetition, and the original liability insurance is sufficient.
17, does not regularly review policies to determine which insurance should stop doing, what insurance should increase the sum insured.
18, no new insurance coverage prior to the lifting of insurance contracts lightly.
19, for the kids to buy excessive life insurance, regardless of the personal protection of adults.
Comment: In fact, a family income of the adults only have adequate protection, the child was really secure.
20, when the company resolve the employment or labor contracts, did not pursue the previously funded by the company individuals to buy insurance for their employees.
21, not given the family to provide the main source of income of the family members of the disability insurance coverage in full, or the insured do not have disability insurance protection.
22, when the family or personal income increases, failed to follow up the corresponding amount of disability insurance.
Comments: In general, rising incomes and living standards will increase more or less, therefore, increase the amount of disability insurance, the purpose is to protect the standard of living will not be a sudden unexpected arrival of the standard of living and make the entire family landslide.
23, unable to buy home insurance, property insurance and housing.
Comments: Generally speaking, home insurance, property and homes less prone to accidents, but the event would be a very serious loss. Therefore, the insured savings-type insurance, family property, or necessary. Of course, a good family property should pay attention to the need to save the ticket.
