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Data:2009-12-12 2:34
One Misunderstanding: Insurance is equal to relief. Between insurers and policyholder rights and obligations are reciprocal relationship between economic contracts. Do not think that paying the premium, that is, transfer of risk, the insurance company for you in relation to shared responsibility. Insurance payment is subject to the constraints of insurance contracts and legal protection that only the insurance liability accident, it must be compensated. The relief is a charitable institution or civil affairs departments made a unilateral relief activities are free of the gift in advance does not require economic input.
Misunderstanding number two: the insurance payment is equal to compensation. In many of the insurance liability insurance and insurance amount, clearly provides that the maximum insurance amount insurance number, that is, when Chuxian a maximum payment limit. However, in the specific claims process, but also insured under the subject of the extent of the damage or destruction, depending on which policy holders receive the actual amount paid to claimants are generally less than the amount of insurance.
Misunderstanding number three: no insurance to buy insurance, the white. Insurance is now spending money to buy future security. People have good and bad fortune overnight, Life is full of Shuihuowuqing, once the scourge of the arrival, then think about the insurance too late.
Misunderstanding of 4: Individual can not afford insurance. Many people think that insurance is a high investment, most people can not afford. In actual fact, China's insurance has been fully taken into account national circumstances and the affordability of the residents, many ordinary insurance costs are low. Such as family property, the premium rate for 3 αΎ?personal accident insurance is generally 2 αΎ?believe that most people have the ability to bear.
Misunderstanding Five: units have been unified to buy an insurance policy, individuals do not have to buy them. From the actual situation, the current number of units run by insurance for workers is mainly old-age insurance, as well as some units will handle the health care insurance, but the amount of insurance generally are relatively low. In fact, the insurance company offered insurance for individuals are many, such as accident insurance, property insurance, child marriage payment insurance, insurance payments and other children's education. If you want to get a higher insurance coverage, personal, or should have the choice to buy some more personal or property insurance.
Misunderstanding of 6: Insurance is a "now benefit." Quick success in society some people thought mischief, and believe that spending money to buy an insurance policy should immediately be rewarded, if the insurance did not occur during the period of compensation without an accident, seems to be a disadvantage. Some even take the risk themselves Zaochu some incidents in order to defraud insurance companies for compensation, to seek psychological balance. A result, since the fake goods were "gained nothing, anti-corrosion one meters", not only to obtain compensation, but also severely punished by the law. In fact, the insurance is a commodity, according to the principle of equal exchange, policyholders pay a premium, you get protection against risk. Such protection is a possibility of obtaining compensation, rather than the compensation itself completely.
