|
||||||||||||||||||
Data:2009-12-12 2:34
City Consumer Association reminds consumers that, by signing the insurance contract should pay attention to the following six:
1, insurance contracts, mostly in terms of format, form, as a provider, insurance companies should follow the principle of equity to determine the rights and obligations between the parties, can not use the dominant position, unilateral absolve themselves of responsibility, increasing each other's responsibilities, otherwise, the clause is invalid.
2, the composition of insurance contracts is not only the terms of the insurance contract itself, but also including those relating to insurance contracts are closely related to other documents. Before signing the insurance contract, insurers must provide and make a clear explanation. If not provided in advance, or not clear that the obligation to fulfill, then the terms of the insurance company exclusion of liability is not binding on consumers.
3 in preparation for insurance consumers, should pay attention to understand the insurance laws and regulations, to prevent the operators to use terms of the contract to run away or transferred liability.
4, pre-contract, consumers should carefully study the contents of the contract terms, compare the rate of insurance premiums, select the most suitable for their own products. For the do not know the contents of insurance companies should be required to clearly explain, and explain the content of the formation of the text as an annex to the contract as performance of the contract and dispute resolution basis. Before signing the insurance salesman for the product is only available for instructions, not to produce insurance contracts, premium rates and other relevant information, consumers should refuse to buy.
5, for operators to provide highly specialized involving the format of the contract, to consult relevant experts, to avoid the contract due to lack of professional and confused, undermining the interests.
6, for long-term life insurance, consumers have 10 days after receipt of the policy period of hesitation, in that period, consumers should re-examine the insurance contracts and related information, such as dissatisfaction surrender as soon as possible.