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Data:2009-12-12 2:34
Insurance market is fully liberalized, the Mainland consumers for the first time the face of so many insurance companies, such a wealth of products, in the end how to choose insurance? Here are a few principles to follow.
Foreign insurance must do the best
Insurance markets are open for people concerned about the
Large-scale entry of foreign capital insurance companies. 3-year waiting period for entry into the WTO so that some consumers full of expectation and sense of mystery, many consumers are holding cash at hand to wait for foreign capital entering the insurance products. Consumer expectations of foreign insurance is funded insurance for some disappointment inseparable from the past few years, a few insurance companies have shaken some of the behavior of some consumer confidence. Impression based on other foreign-funded enterprises, consumers have reason to believe that foreign insurance companies will offer better insurance products and services, in this psychological driven by foreign insurance companies, businesses and the growth rate this year, far more than Chinese-funded insurance companies, AIA Insurance, especially life insurance industry as a whole downturn, the premium increases still more than 30%. But the anticipation can easily lead to herd behavior, and thus that there is no rational consumer.
Mainland insurance market is still in its early stages of development, most people need insurance to provide risk protection features, such as traditional life insurance pension, health insurance, etc. for the disease. The new opening of foreign insurance companies showed a strong trade-offs, the product is rather simplistic to cast even, dividends and other investment-oriented insurance the main target consumer group for the "middle class." A high-profile foreign insurance companies is also reflected in the sales staff requirements, many foreign insurance companies require recruitment of sales staff that they have 10 years of work experience, salary than 10 million, after training be able to provide customers with a professional financial planning. This shows that foreign insurance companies "eyes upwards" to enter the market, which is its foothold in the market and create fine the company's needs. Investment-oriented insurance premiums due to the high per capita can quickly achieve economies of scale growth in this regard, foreign insurance companies have a rich experience, while the Mainland market for investment-based insurance started late, the market plenty of room for investment-oriented insurance, also highly favored is not surprising.
As a result, "A World Without Thieves" and Li Shu-called "heart Toening this month will be her surprise, according to ditch the moon" into consumer expectations and the reality of the foreign insurance itself. A single foreign-funded insurance products and the lack of protection against risk is the reason why some consumers hesitant. It can be expected, foreign insurance companies in the completion of "localization "------ have a certain amount of agency, sales staff, service personnel, will develop traditional life insurance, but at least 3 to 5 years.
Comparatively speaking, Chinese-funded insurance companies after 10 years of development, although there are still specific products is not strong, homogenization and other issues, but the product system has begun to take shape, in the traditional life insurance, health insurance, etc. has a certain characteristics. Choice of waiting for insurance consumers, waiting for their own troubles and benefits means that the risk of the loss of the insured as soon as possible in order to ward off risks. Select a policy, not to be "foreign-funded insurance is the best," confused by the idea, to understand their needs is the risk protection and investment income. If the risks are to protect the main, it can-funded insurance products from traditional security products selection, if proceeds mainly related products will have to compare the rate of return, financial guidance and other factors, such insurance can play a role in .
Insurance does not "insurance"
Mainland insurance company got started mostly state-owned nature of the insurance salesman had been the equivalent of national cadres, and to consumers insurance companies have formed a "state guarantee" impression. As a result, consumers buy insurance, insurance companies often undefended, after all, China is still a lack of insurance bankruptcy precedent.
With the full liberalization of the mainland's insurance market, insurance and rapid increase in the main body, in accordance with WTO commitments and the development of market economy, market competition will be inevitable, but the end result is that survival of the fittest competition. In addition to competition, poor management of insurance companies also make trouble. China Insurance Regulatory Commission is working on the establishment of insurance protection fund for insurance companies to prepare for possible bankruptcy, reflecting the risk of insurance companies. In fact, the United States since 1989, a large number of insurance companies collapse, the Japanese mutual life insurance company went bankrupt in 1997, the end of "Japanese insurance companies do not fail" myth. Therefore, those poor management, lack of competitiveness of the companies will eventually bankrupt is not impossible.
In this case, consumers buy insurance on the insurance companies must have awareness of risk prevention, not only to consider the products and services, but also to judge the prospects for insurance companies to analyze their business strategy, shareholder composition, to select those operating robust and capable of long-term development company. Traditional life insurance and other long-term life insurance to be paid only after several decades, but also is advisable to look at the amount of spare no effort in advance. Once the insurance company insolvency, bankruptcy, consumers will not be damaged though, but are bound to be struggling and time.
Low prices would not necessarily be suitable for you
Liberalized insurance market, competition began, the market is a growing trend rate, product price will be unified into a diversified insurance companies to make products more competitive, will be hard to lower prices, thus triggering a price war. The price because they involve the interests, will become the best scene of a toggle cheat consumers to decide the choice of insurance products.
Insurance prices are the characteristics of an indirect nature, usually in order to provide income and security performance. Premium of 10 yuan with the accident insurance, insured sum is 200,000 yuan lower price than 15 million yuan; investment-oriented insurance proceeds with high rates of return lower than the low prices. Pursuit of maximizing the interests of the original transaction in the market is beyond reproach, but because the insurance price of a non-intuitive, when consumers purchase insurance, the price must not be fooled by the surface, but to find out the underlying conditions, prices and other factors should be placed measured together. For example, some companies on the market today introduced a security risk at the end of dividend and promised to guarantee a return 2% of the annual average, higher than the industry average of 1.75%, but revenue is conditional, the customer must hold at least six years of the policy, otherwise they will lose some of Paul at the end of revenue. In addition, some insurance products due to the different areas of responsibility will also have price differences. Insurance is a synthesis of products and services that consumers compare prices at the same time, do not overlook the services to health insurance, for example, insurance companies, the choice of designated hospitals, whether to provide medical services annually whether there is disease prevention, intervention, etc. This is not a simple price can be replaced.
