Category: Insurance tips Release Date: 2006-08-01
May be due to geographical peculiarities, in the Pearl River Delta region, is often heard of someone who has bought foreign insurance. One of the original
Due to sum up, can be broadly summarized into two types: First, think outside the insurance company strength, good reputation, offering insurance is good, price
Cell is low; the second is that the offshore insurance services, claims full and timely and secure; third, insurance, and I do not know why they are,
Of others, I also want to buy, out of the foreign "product" has always been the trust, so I chose outside of insurance products. This part
Consumers tend to buy insurance policies are large, not knowing that inside it has a lot of hidden dangers.
Hong Kong as an example. First of all, the Hong Kong insurance laws, regulations and the scope of application only in Hong Kong, so buy Hong Kong insurance
Provided that the insured person or the time, I was in Hong Kong, Hong Kong, or else not related to protection of the law. Therefore, Hong Kong
Some insurance salesman shall not be clearly defined transit to attract business, while the Mainland customers must pay to enter Hong Kong within the region re -
购买. However, a few business people in Hong Kong insurance companies in the Mainland in pursuit of performance of sell orders, and come up with various ways to
To "solve" this problem: or simply do not tell customers have signed up to the matter stated directly in the contract signed for Hong Kong; or use
Some special place to evade the issue, like taking clients to the Chung Ying Street sign and so on. Strictly speaking, such a contract is not valid
Are not subject to legal protection.
Second, even if the purchase of the Hong Kong insurance is valid, legitimate, but as insurance products to consumers, there is no doubt
Question, we must consider are: the event of insurance liability, claims how to do? Because the mainlanders living in the Mainland, to mention
A series of information needed for the claim to prove, and Hong Kong will inevitably be required distance. Example, a proof of death, the Mainland in general
Open for forensic death certificates, account write-offs, while Hong Kong is totally different, if you want the compensation, only to re-requested the law in Hong Kong
Teachers make reparations for the information, time-consuming and expensive, but also can not guarantee that you can not receive compensation.
Third, the service promises not as perfect as we have in mind, convenient and quick. In case the contract need to be changed,
If changes to address, the insured, the beneficiary and so on, mainland people to spend more time and effort. And the flow of the Hong Kong insurance agents
Mobility is very large, if they have a dispute are looking for an agent, it may not find a result, consumers often had no choice but by choosing
Complaints and recovery to give up and give themselves and their families to unnecessary losses.
Finally, from the perspective of insurance supervision, the domestic insurance legislation is relatively strict, to protect the right customers. China's insurance laws and regulations
Fixed: Domestic insurance companies for each transaction a business, need to extract the appropriate margin to ensure that the performance of the contract. Some of our
Insurance companies in order to avoid strict liability constraints, often choose the more loosely related laws and requirements of national and local
Incorporated areas, such as "Bermuda."
To participate in insurance is to give themselves and their families, more security, is to address some of the worries in our lives, because
This in a time when you are ready to seek protection, remember to buy overseas insurance careful!
