Category: Insurance tips Release Date: 2006-08-01
Complaints from policyholders to the departments concerned, the majority attributed to agents of misleading. In fact, most insurance-related complaints due to lack of understanding of the terms of insurance, therefore, advised consumers to purchase insurance, be sure to ask before the four things clear.
Question one: I need most is what kind of insurance insurance is a complex commodity, unlike other products, visible and tangible. Therefore, when buying insurance, policyholders still have to give more consideration to their needs, do not blindly buy "human policy" to avoid unnecessary disputes occurring in the future.
Normal for most people according to their risk needs to buy insurance, risk is nothing less than it comes to health, pension, accident, etc., but the insurance needs vary. Therefore, consumers must choose a number of insurance products are really suitable for their own insurance. An agent to introduce you to products, first we have honesty, I need most is what kind of insurance?
Question 2: My agent is eligible to purchase insurance in the whole process, the agent of choice is essential. A good agent can often determine your success or failure of insurance. At present, the domestic insurance products stereotyped, many insurance agents from disputes over misleading.
Typically, the agent in introducing insurance products, more enthusiastic, from time to time to send some small gifts, purpose is to allow consumers to buy their company's products. In fact, as a qualified agent, must take the initiative to communicate with the insured to obtain, in a clear understanding of their needs based on the introduction of insurance products, and design meet the requirements of the protection scheme, rather than eager to promote a product.
Question three: how long the period of the policy of hesitation, perhaps, still do not know a lot of policy holders of insurance policies purchased by hesitation period of 10 days. According to regulations, one year or more life insurance products are provided hesitated period, mainly refers to the insurance company sent the insured person a written receipt of a written sign insurance policies, and within 10 days from the date, if the surrender, you can get all has paid premiums, insurance companies, excluding only the basic nominal fee.
During this period, policyholders can fully consider the purchase meets your needs. Once the period of hesitation after the surrender, would lose a lot of expenses.
Many consumers reflects the current insurance provisions are less complicated for the public awareness of insurance and low, policyholders are often found in six months or even a year after the insurance companies have non-standard behavior, which, it is often apt to cause disputes and even lawsuits.
Thus, consumers suggested that the policy period of hesitation, which can be lengthened. This reporter recently learned from the Shanghai insurance regulatory, in the establishment of the insurance industry on the basis of a unified service standard, Shanghai will try to push "no reason to surrender", that is, if insurance companies could not effectively implement a unified service standards, or malicious deception insured, it should be unreservedly "surrender." Insurance regulatory hope that through a period of time and effort trying to be "no reason to surrender," an extension of the period subsequent to better protect the interests of consumers.
Question 4: Is to see the exemption clause in the local insurance regulatory departments can often see some complaints from policy holders petition, reflecting the insurance after the insurance company exclusions. Of these complaints, there are many policyholders do not understand the insurance contract terms and conditions of the exemption.
The so-called exemption clauses, also known as duty exemption refers to the insurance company in accordance with the law or the contract does not assume the insurance responsibility. Because a wide range of insurance products, individual insurance insurance companies have their own characteristics, the insurance provisions of the insurance companies there may be some special exclusions are not covered. Once the process of insured consumers ignore the terms of the exemption is likely to encounter in the future claims of unnecessary disputes.
Overall, the focus on insurance and insurance policy, right really want to buy insurance or have bought the insurance policy holders is certainly more than that a few questions. Insurance, risk prevention is still not in a proper state of mind, a careful analysis of the policy, we must find its own insurance may not be less complicated.
