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Data:2009-12-12 2:34
Signature easy to buy insurance, once the dispute may make a waste of resources in. Insurance policies are contracts, the same signature, "the word jin." How to effectively prevent malpractice? Ping An Life Insurance Shanghai Branch Customer Service Manager, WANG Pei-min interview with reporters to remind people to buy insurance should pay attention to their rights and obligations, to learn more about before buying, buy carefully when signing, buying continued after consultation, through self-rights protection may be waived in the future unnecessary trouble. Has the following 6 points for a specific reference:
A measure of their affordability, and buying the right insurance. Selected for their own insurance, is the first step to avoid disputes, it can only rely on the insured themselves to take hold. Decide to purchase quantities, payment amount is best not to exceed 20% of annual income, or because it can not afford the premiums surrender will result in their own economic losses. In the first contact with the insurance agent, remember checking his exhibition industry in the certificate.
2 examined the policy. A lot of disputes due to "personal relationship policy", the insured and the agent familiar with the original, but after listening to a brief introduction, there is no single word closer look on the signed insurance policy, and then shelved, causing hidden dangers. Emotional feelings go, contract owned by the contract, and now must be asked to buy one kind of goods to understand, let alone to pay thousands or even several million insurance policy it? Introducing insurance, the agent should produce the company's product specifications, insured his signature plan and the insured is legally binding books, those agents of the so-called private rate of return is not written in next few. Read the policy, the one to see with their own plan to buy insurance whether the same; two to see payment amount and the duration of the specific provisions; 3 to see the terms of the insurance liability and exclusion of liability. In case of doubt, you can call the insurance company telephone consultation.
3 truthfully informed of their health status. Some people think that has given birth to a truly informed of certain diseases will cause insurance companies refused insurance coverage or to request for additional premiums, in fact, not necessarily so. But it does not fulfill the obligations, will bring more trouble. Health status of the table should be filled by me, rather than letting someone else took the tick. There was an insured by someone else on behalf of the filling state of health, leakage write their own two years ago, was hospitalized with heart conditions, resulting in sudden death after exclusions.
4 his signature. Some people treat their own policy is arbitrary, that his signature, but signed by an agent on behalf of; the signature by the insured, the insured may pre-empt. These acts are against the "Insurance Law" provision, easy to bring the policy is invalid disputes.
5 in the "hesitation period" to consider surrender. Impulse to buy insurance and are regret, how can I do? Insurance companies generally give customers 10 days of the "hesitation period" to get the policy in the customer within 10 days, the company will call to inform the right. If we think that the insurance bought inappropriate, in 10 days "hesitation period" surrender will receive a full refund. However, some customers had had in 2023 before the policy is not suitable for their own demanding surrender, they can not get a full refund.
6 pay their premiums, causing insurance policies to prevent late failure. Now people who bought a new house to move a lot, do not forget the new address and pay promptly account for changes in the insurer. Contributions period approaching insurance companies will, generally, sent a reminder letter. Insured should remember to fulfill their payment obligations or overdue payment due to policy failures caused by the loss or themselves.
