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Data:2009-12-12 2:34
First, the insured and the insured person eligible for
1, the insured at the same time meet the following eligibility conditions, can be used as the insured:
With full civil capacity of the natural or legal persons.
Of the insured person having an insurable interest (if necessary, to provide interest on the insurance certificate).
With affordability, willingness to assume the obligation to pay premiums.
2, the insured person eligible to possess one of the following conditions can be used as the seat of the insured person has insurance or permanent residence account non-local accounts, but in the local work, have a steady income and a fixed residence, if necessary, can provide the evidence. To prove that the identity card, proof of residence, the local temporary residence permits, labor and employment contracts, industrial and commercial business license.
Hong Kong, Macao and Taiwan compatriots, must have investment in the local and often travel or reside in the area.
For minors, including death insurance liability insurance, the insured must be the parent / parent (legal guardian) or by the father / mother (legal guardian) consent in writing, and the cumulative risk of the insured amount shall not exceed the relevant requirements.
Second, people with disabilities insurance requirements
Have a stable job and income.
The need to provide proof of disability.
Terms of disability insurance payments under the settlement agreement will not apply to the responsibility of the insured person with disabilities has been disabled site.
Usually require medical examination.
The maximum payment amount of insurance in general is limited to 100,000 yuan.
Additional risk depending on their location and extent of disability would be underwriting restrictions accordingly.
Those who have a high residual coverage decline.
3, common underwriting requirements listed in the general decline
One who engaged in the following professions, the company declined to cover active duty special forces types.
Blasting workers, gunpowder, fireworks manufacturing workers, three acid manufacturing workers.
Township and the private coal mine underground miners.
2, who meet one of the following circumstances, the company declined to cover patients with malignant tumors.
Mental retardation, dementia, mental illness.
Foreign nationals.
Parole prisoners.
Women after 6 months of pregnancy to postpartum period of 60 days.
4, extension body insurance rules
Where the investigation set by the underwriting insurance applications for extension of body parts, the insured person must re-apply for an extension before the expiry of, and must undergo a medical examination in accordance with the requirements of the company and provide a copy of the relevant hospital or out-patient medical records.
5, physical pieces of identification
Orders have confirmed by the insured when the insured person so that the cumulative risk premiums in excess of the insured person in which the age limit for the amount of free medical insurance by the orders have confirmed the insured medical examination and issue of a full medical examination notice books and medical form. Medical examination form required by the implementation of the project.
Underwriting confirmed when the insured does not exceed the amount of free medical insurance, and no past record of this insurance, but the accumulated through the computer, its cumulative risk premiums in excess of the insured person in which the age limit for the amount of free medical insurance by underwriting notice issued by medical examination.
When the insured while not exceeding the amount of free medical insurance, but health is informed that there are physical disorders, by underwriting those who recognized the importance of a physical piece from the issue of a full medical underwriting notice.
After the second medical examination confirmed that the first medical examination, there are still difficulties to determine the nuclear security have the right to request to be insured for the second medical examination, the second medical examination confirmed that hospitals and medical items designated by the underwriting.
Description: The physical examination should be firm hand to the designated hospital to recover, not by a salesman or customer to the company.
6, medical examinations, treatment of
Feels the need for medical examination, medical examinations, first be customer advances. According to the company, after underwriting provides for reimbursement by the customer or commissioned salesman at the sign for the insurance contract on the 10th day after the notice of holding examinations, medical examinations, receipts and insurance contracts to the company, after underwriting approval of medical examinations, the amount of staff after (Underwriting staff will insurance contract number, approved amount of input computer), print "Payment Notice" by the Finance for payment processing. But not the company made additional provisions for medical items or reinstate medical costs are not reimbursed when.
7, the customer before the change in the underwriting deal offer
Policyholders in the company agreed to request a change in insurance coverage before the offer (no changes to the insured, the insured person. Such as changes to the insured, the insured person to make withdrawals, treatment, chargeback refund, re-enter a single), respectively, under the circumstances to make handled as follows:
1, such as change insured insurance, the insurance amount required to re-fill insurance alone, while the new single on the insured to fill odd numbers indicate the original insured (customer forget, orders staff can assist in inquiries).
Subject to premiums, the salesman income gap, open a new temporary charge receipts. Temporary insurance receipt number one single column, to fill the new insured single number, the amount of fill in as temporary charge the client's previous payment amount and the accumulated amount of this payment the sum. Clerk to the financial processing at the same time to pay newly opened temporary receipt of financial Alliance, the salesman, and together make up the difference between income and fees in the new suspense of the original insurance receipt indicated a single number, to explain the situation. Mitsumasa Finance for processing, issuing payment receipts, and stamped transfer Hul Zhang, payment receipts for the amount of accumulated charges payable by former clients. Clerk will be paid receipt to the customer Customer Alliance. Exhausted to handle the new business to fill the insured to pay a single.
Required to refund, the clerk to open the new temporary charge receipts, the amount of a fill in as temporary charge customers the actual payment amount. Temporarily withhold refund of excess fees and charges until after the customers to choose a single refund or switch to prepaid insurance premiums. By paying a clerk to the financial processing newly opened temporary receipt of financial Alliance, the salesman Alliance, and in the new temporary charge of the original amount of insurance indicated on a single number, to explain the situation. Mitsumasa Finance for processing, issuing payment receipts, and stamped transfer Hul Zhang, payment receipts for the amount of accumulated charges payable by former clients. Clerk will be paid receipt to the customer Customer Alliance. Exhausted to handle the new business to fill the insured to pay a single.
Note: Changes insurance, insurance premium income the amount required to fill when the payment method for cash, the clerk to open a temporary receipt. Payment methods collected for the bank, if the banks have asked the payments based on a provisional receipt, clerk to open two temporary receipt, an amount of the original receipt in the amount of suspense, a difference between the amount collected, the customer Accordingly to the bank payment.
2, other cases, the insured fill out an "insurance offer for the contents of an application supplement to correct," and signature confirmation, involving the interests of the insured person (the designated beneficiary) needs to be insured signature confirmation.
Subject to premiums, the salesman income gap and open new temporary charge receipts, insurance receipts temporarily No. 1 single-column, fill in the original insured a single number, the amount of a fill in as temporary charge customers the actual payment of this amount.
Required to refund, and withhold refund until after the customers to choose a single refund or transferred to pre-paid premiums.
Related charges, the clerk to the finance business after making the payment to pay "insurance offer content added to correct the application."
8, withdrawals, or retreat a single approach
Where the clerk handed the insured single-deficient persons (insured single-fill and asked to see this section, "insured single-use and fill in"), will make back a single treatment. Premiums already paid, such as the insured request a refund of premiums, orders officers Print "Refund Notice" by the Finance for payment processing.
In the company agreed to cover the insured before the customer's request to withdraw the offer, the insured fill out the "the contents of the insurance offer additional correction applications", select "withdrawals," item, then, after receiving a single member, if temporary charges, issued by the "payment notice" by the Finance for payment processing.
9, error back again after a single treatment into a single
The insured for the clerk to return a single full audit should be carried out.
If it involves a re-fill insurance bills, insurance salesman should be the new single on the odd numbers indicate the original insured.
After receiving the chargeback to be handled immediately, or withdrawals, made after one month treatment.
10, a provisional collection and refund of fees and charges
General insurance salesman in guiding the pieces of the insured, after filling out a single insurance should be based on their age, gender, insurance conditions, such as calculating the standard insurance premiums, and receive first temporary charge, while issuing temporary receipts equal.
For the large (large provinces, under the circumstances specified criteria), there is disease, informed that the insured person over the age of underwriting provisions (see the insurance underwriting provisions), the first pay bills, to be passed before underwriting fees and salesman shall not be charged.
Temporary pay is greater than the insured paid the premium due the first phase, the insured may request the refund charges for more than temporary and can be converted to the premium received in advance. The insured a refund of excess fees temporarily, and then print a single member of "payment notice" by the Finance for payment processing.
11, the handling of cases remitted
For the remitted cases, must first fill out the "insurance cases remitted single," by each insured person for personal insurance scheme for a single.
Insurance premiums may be remitted group, but each insurance contract forms of payment, payment period, payment forms must be consistent.
The insured person for each of the company issued an insurance contract.
"Insured single-use and fill in"
An insured single-style
In the annex. Insured single issue of the ID rule: four years, the 8-bit serial number, a total of 12. Era name is changed each year, serial number clear 0. When printing era name is fixed, serial number to take-changing printing, to ensure that no re-number.
Second, complete the required insurance orders
(A) general requirements of
Insurance alone is an important basis for the conclusion of insurance contracts should be insured under the guidance of the salesman filled with carbon ink pen, handwriting should be neat, principle was altered. Insurance alone completed, by the insured, the insured person autographed approved, otherwise the insurance contract null and void (parents of minor children's personal insurance are not insured in this limit).
If completed on behalf of by others, it must be insured, the insured person reading handwritten signature recognition.
Insured single filled in for special reason to alter, and use a pen to alter designated the two slashes that may not use correction fluid at the same time there must be insured at the altered signature, involving the interests of the insured, but also the insured person Signature (for example, to change the beneficiary, the insurance amount of increase).
The insured / insured person is not literate, the insured, the insured person insured, the insured person according to his right thumb fingerprint signature area.
(B) of the complete requirements
1, the insured, the insured person, beneficiary information
(1) the insured, the insured person, the beneficiary's name, age, address, telephone number, marital status of the insured when the actual situation according filled.
(2) The name, gender, date of birth certificates to be used in line with the insured, documents types of means: ID card, passport, military officer, booklets and so on. Age, according to the actual age when filling a single fill of age. Age calculated as follows:
If the filling date of the birthday alone, after the date of the year with the filling minus the year of birth.
Example: a person April 5, 1967 Born August 9, 1999 fill in insurance bills, August 9 at someone's birthday (April 5), the age of the 1999-1967 = 32 years.
If the fill orders before the birthday date, with filling the date of birth minus the year further reduced the annual one.
Example: a person April 5, 1967 Born February 9, 1999 fill in insurance bills, February 9 at someone's birthday (April 5) before the age of 1999-1967-1 = 31 years of age.
(3) If the insured and the insured non-same person, you must fill out the relationship between the two, and there must be an insurable interest between the (determination of insurable interest by "Insurance Law" implemented). Such as insurance for her son's father, "was the insured person," a column fill in "father" may not fill out the "father and son."
(4) occupation, part-time is necessary to specify what sort of fill in the actual work, such as: electricians, beauticians and so on. A part-time, part-time jobs to be filled, there is no part-time, part-time bar fill in "None" shall be vacant. Occupational code, category by the clerk under the "occupational classification" listed in the code filled In case of "occupational classification" is not specified in employment, should consult the company's nuclear security officers before making filled. Work unit name should write full name. Individual industrial and commercial tenants fill out the "individual industrial and commercial households"
(5) mailing address, postal code refers to a letter arrives, the home address refers to permanent residence. Add to Xie Qing streets, alleys, and the House and so on. Phone should be marked "home" or "unit" and so on.
2, the beneficiary, the beneficiary share of the identified
(1) First, determine the beneficiaries of "legal" or "designated", if a statutory, then the "legal" before the designated box in the hook, if specified in the "designated" before the designated box hook, according to the following asked to specify the beneficiary.
(2) In accordance with "Insurance Law" stipulates that the beneficiaries of the insured person or insured by the designated. The designated beneficiary when the insured is subject to the consent of the insured. The insured person without civil capacity or limit the capacity for civil conduct, and can a beneficiary designated by their guardian.
(3) The beneficiary must be a person who actually already exist, can not specify the uncertainty (that can not specify, "my future wife", nor in the specified column of a "legal" word) as the beneficiary.
(4) The beneficiary can be one person or several others. Beneficiary number of people, the insured or the insured person can determine the order and benefit from the share of the benefit. Specify more than one benefit in order, the same benefit in order to benefit under the share of each beneficiary and the need for 100%. Order to benefit not specified, the default order of all beneficiaries for the same beneficiary, the beneficiary share of the benefits and the need for 100%.
3, an offer the contents of fill
(1) the name of the primary insurance, additional insurance title insurance to be filled out by the vote of the full name, such as "China Life Insurance Children of excellence," while the two main risk insurance coverage, the insured must fill out a single, respectively. Additional insurance can be insured at the same time with the main insurance to fill in an insurance slip. Additional risks and the primary insurance payment the form of payment method must be consistent.
(2) the insurance period of life, and in the insurance period of one column "lifelong" pre-designated hook; to on a regular basis, and in "regular" before the draw hook at the same time under the terms of the fill on a regular basis the number of years of age or maturity.
(3) A temporary charge a column filled salesman to the customer the actual amount collected, the amount must be provisional receipt of provisional charges for the same, no charge into a single, and a column to fill temporary charge 0. First use of the form of bank transfer payment, the customer fill out bank transfer power of attorney, salesman not open temporary receipt, fill in as a temporary charge 0, pending transfers made after the success of a bank statement.
(4) The temporary payment fees charged to the customer on filling clerk the date, the date must be charged with the temporary receipt date on the line into a single charge, and the column vacancy.
(5) Joint Health insurance, additional insured information on the number of beneficiaries is greater than 3 and the additional risk is more than three hours, in the special with the remarks column to reflect.
(6) the amount of payment of the insurance variable, the standard premium bar does not fill the vacancy
(7) to receive the age pension provisions have provided, according to the terms filled in terms of choice, and chose to receive the age. Way to receive the check box, and select wholesale collar, collar-year, month, collar or other means to receive a receipt or incremental stabilization as well as receive one, the case of incremental collection, under the terms of the growth rate of fill.
4, this matter of filling in height, weight, units of the complete attention of centimeters and kilograms, respectively.
2-12 items of the questionnaire (except for item 10) shall not be vacant, the answer "yes" must have instructions.
5, the signature must have a single insurance policy holder, the insured person's signature, the insured is a minor, the guardian of the insured person to be signed.
