Category: Insurance tips Release Date: 2006-08-01
1. Carefully fill in the Proposal Form
(1) personally fill out the "insurance book", to ensure the book on this matter should be informed accordingly; do not conceal the omission, to ensure that the insured's rights.
"Insurance Law" under Article XVI: to make insurance contracts, insurance to the insured shall explain the terms of the content of insurance contracts, and could subject-matter insured or the insured person the situation and asked whether the insured should be informed accordingly.
The insured intentionally concealed the fact that non-compliance with obligations to truthfully inform, or due to negligence is not enough to fulfill obligations to truthfully inform the impact of an insurer decide whether they agree or raise insurance premium rates, the insurer the right to terminate insurance contracts.
Truthfully inform the insured intentionally fails to perform obligations, the insurer for the insurance contract occurs prior to the lifting of the insurance accident compensation or payments not bear the responsibility of the insurance payments are not refundable premium.
The insured due to negligence failure to fulfill obligations to truthfully inform the insurance have serious implications for the occurrence of the accident, the insurer for the insurance contract occurs prior to the lifting of insurance accident compensation or payments not bear the responsibility of the insurance payment, but can be refunded premiums.
(2) To protect the book "policyholder (Signature)" column should be personally signed or sealed, and requests the insured to "the insured person (Signature)" column personally signed or sealed.
"Insurance Law" 55th Article: The death of the conditions of the contract premium payment, without the written consent of the insured person and the amount of authorized insurance, the contract null and void.
2. Obtain a copy of the first phase of payment receipt
In the insurance company failed to issue the insurance policy prior to the book, together with the insured to pay the initial premium, the clerk shall obtain insurance premiums issued temporary receipts or premium receipts received. To ensure that your rights and interests of the insured, it is best not to charge an individual or any other salesman on behalf of the receipt issued.
3. Obtain a copy of the policy, and careful review of the policy content of
Fill out a single insurance and pay insurance premiums after the first month (except for special circumstances), you will receive a formal insurance policy. After receipt of insurance policy, you must be carefully reviewed and found errors and omissions to require insurance companies to pay clerk promptly corrected. If confirmed that the policy is correct, please complete the insurance receipt to the sales back to the company to ensure that your interests.
4. Make good use of contractual avoidance
Avoidance policy is insured in the life insurance policy from the date of receipt within 10 days, apply for revocation of the insurance to insurance companies, insurance companies will be a full refund of the premiums. In order to ensure the smooth progress of the exercise of this right, be sure to note:
(1) The receipt of insurance, be sure to fill out insurance receipts, insurance companies generally are based on receipt date as the date you receive the policy;
(2) The revocation of the insured to exercise the right of contract can be revoked regardless of reasons, but must be in writing to mean that the oral application is invalid;
(3) The revocation of authority to influence the contractual interests of the salesman, salesman may be discouraged, and you can apply directly to the insurance company.
(For 10 contract avoidance, China Life Insurance Company known as the "10-day cooling-off period."
