Data:2009-12-12 2:34
Category: Insurance tips Release Date: 2006-08-01
Insurance experts warned that consumers are signing an insurance policy should pay particular attention to a critical period of time.
Insurance hesitation period: 10 days. If, after the insured to purchase insurance, regret, and can be an unconditional surrender, get their pay out the full premium, but remember that there is a time limit: 10 days. As the existence of the provisions of the insurance provisions are complex and involve a broader range of knowledge of the characteristics, in order to fully protect the interests of the insured, the insurance companies in the insurance contract has a "hesitation period" requirement. In general, the insured received the policy of 10 days is an important period of time, policyholders can take advantage of this period of time, carefully read the policy, or advice of insurance familiar friends to vote for his own insurance for some in-depth consideration, make up its mind the final determination to protect or not protect. Once the insurance if the premium payment period longer than that, and some life insurance for decades, if the Japanese surrender after the half-way, to bear a greater loss.
Payment grace period: 60 days. Taking into account the insured may be due to a temporary cash flow problems at hand such as a variety of reasons, but in the time of the premium paid no premium. Insurance companies usually set up an extended grace period to pay premiums, mostly for 60 days. This is the premium paid for the staging of the case may be, if the insured does not pay the premiums due, the payment from the date of the policy set out in the next day grace period of 60 days. Occurrence of insured event within the grace period, insurance companies assume the insurance responsibility, but from the insurance premiums paid by policyholders to deduct their outstanding premiums and interest.
Wait and see period: 3 months or six months. Some of the more major diseases, the body has a gradual process, not unexpected. Reflected in health insurance on the insured is likely to purchase insurance, I do not know even the existence of a hidden disease, in fact, that it has a "patient", and if just insurance, it so happened medical expenses, to the insurance for its accountability is not fair. Therefore, the insured in the purchase of medical insurance class, we must carefully understand the scope of responsibility insurance, most insurance companies are on the hospital medical insurance provides a wait and see period, wait and see period generally refers to the entry into force from the date of the contract, 90 days or 180 days a year. In the wait period, the insured's medical expenses occur, the insurance company paid irresponsible.
