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Data:2009-12-12 2:34
To see the emphasis on disease risks Series 2
╿There is no perfect re-disease insurance products
╿I am most concerned about the likely cause of the disease, the exemption clause
╿signed a contract to read through the contract within 10 days, there is the problem promptly surrender
When consumers understand that a major illness
Illness insurance, far more than "20 kinds of insurance or the 30 kinds of diseases disease" as simple as later, the insured had to be prudent, fully aware of their own, as well as insurance companies in major disease risk in the contract rights and obligations. However, the risk of major diseases can be described as the most complex insurance products in the category of mere interpretation of the insurance contract the disease should be dedicated to the number of pages listed in the non-professionals, these medical terms completely "talking." In fact, even if the insurance industry have also admitted that since the risk of major diseases are highly specialized, individuals can not afford to read the contract basically every word, but disease risk re-mastered a few reading skills in the contract that allows the insured in the medical terminology found in the jungle effectively protect their rights path.
Protection of areas of bearing that in mind
"No perfect re-disease insurance products." A large-scale Chinese-funded life insurance company actuary suggested that insurance companies are not philanthropists, to design products need profits to protect areas of its loose here, they will tighten in the yond Therefore, in reading the insured before a contract is a significant disease risk, the best holding "gains will lose," the psychological preparation.
In the increasingly fierce market competition, insurance companies by increasing the types of major diseases, additional multi-project-patient medical insurance, full payment of gold and other means to create a marketing selling point. Theory, the scope of protection has increased, the risk insurance companies to expand, product prices rise with it, but again because of competition, insurance companies can not raise prices significantly. To industry sources, currently on the market risk of major diseases, although the safeguards appear to be different, but the insured can really enjoy the protection of rights and interests remain at the same level, in which the insured can choose "the best interests of their own" products .
A certain 8-year career in medicine has been funded life insurance company claims department head, for example, Guangdong Province is the high incidence of nasopharyngeal carcinoma, but because of the nasopharynx to be transformed into quite a lengthy process of nasopharyngeal carcinoma, the doctor an accurate diagnosis is malignant tumor there is the difficulty of diagnosis, some insurance companies in order to remove the ambiguity will be excluded from the scope of protection outside of nasopharyngeal carcinoma. For the Cantonese speaking, the insured may wish to pay more attention to whether the contract of NPC protection.
Carefully read the exclusion of liability clause
Many professionals believe that the insured risk for major diseases, at least to understand that part of the contract is the "exclusion of liability" clause, that is, in such a case, even if the insured death, disability or suffering from major diseases agreed upon contract, insurance companies refrain from making any payment.
These responsibilities are concentrated in the contract exemption from the text 2. First, for all major diseases, the insurance contract will set up a special chapter in the statement; second is for individual major diseases, often appear in the annotation part of the interpretation of specific diseases.
For the former, the company's exemption clause is basically the same, with the emphasis on the popularity of disease risk, such terms become insured common sense. For example, suffering from AIDS or HIV-infected insured person, and so have no access to insurance compensation.
The second category of exemption clauses for individual diseases are often scattered throughout the contract, even if found, may not necessarily understand the "excluded" the situation what it means. Experts suggest that the insured must first figure out the most likely cause of the disease itself an exemption clause. For example, some insurance companies will "spinal disc disease" to include additional emphasis on illness insurance accident health insurance program, while others did not, for vulnerable populations of athletes spinal disc herniation, of course, the best insurance the former.
When the insured person suffered Disclaimer poorly explained to the agent, or call the agent where the company's customer service hotline to find the answer, or in another company.
The signing of the contract must be read through the contract within 10 days of
A Chinese-funded insurance company, as a general counsel who said that he himself re-coverage of the disease risk, although quite an enjoyable talk with the agents often pleased to sign, but afterwards to calm down or will read through the insurance contract, because this found that problems still have time, insured the "hesitation period."
Period of hesitation, is that the insured, the insured person sign within a certain period of time after the insurance policy on the purchase of insurance are not satisfied, you can demand an unconditional surrender. China Insurance Regulatory Commission on various insurance companies hesitant to present the time period of a unified set at 10 days.
Policyholders can take advantage of hesitation period of calm and consider their own insured insurance, duration and security functionality meets their needs. If not satisfied, take the hesitation period, or directly through an agent in consultation with insurance companies to carry out change or call for an unconditional surrender in order to avoid unnecessary losses.
Despite over a period of hesitation, has the right to surrender, but the insured can request a full refund of the premium has been paid, the insurance company can only be returned to the agent commissions, management fees, after deducting expenses, the remaining cash value of the contract . But the cash value and are significant differences between the total premium paid due to insurance policyholders Contributions initially less the cost of amortization policy major, the earlier termination, the policy cash value in relation to the proportion of premiums paid by lower insured losses also greater.
