Five-step read and heavenly Insurance Insurance Tips

Category: Insurance tips Release Date: 2006-08-01

Many have purchased or purchase of insurance consumers are most afraid to see the insurance terms of the contract because the contract terms of a complex, abstract, often after reading or talking, while the dispute when they shouted, "King terms" on the insurance companies abhor.

In fact, looking at the terms of insurance contracts, mainly depends on the following aspects, in general, will be able to grasp the main points of policy:

First of all, must verify that insurance contracts can be filled content. If the insured contract, insured and the beneficiary's name, identity card number is wrong or not; whether a contract of insurance companies and General Manager of Special Seal signature; variety of insurance contracts and insurance amount of each premium is is consistent with your request; insurance whether alone is his autograph.

Second, read the terms of the contract of insurance liability. The article will describe the insurance coverage and content, that is, the circumstances under which insurance companies have claims or how to pay insurance. This is also the insured to purchase insurance products to insurance companies after the core interests.

Third, read the exclusions. The article cited the insurance companies do not state claims several incidents, consumers have to be careful after buying the insurance to avoid these situations to happen.

Fourth, look at the contract term notes. This content is the name of the insurance-specific formal, unified, legally binding interpretation. Primarily to help the insured a clearer understanding of the insurance contract terms of a contract must contain content.

Fifth, look at the lifting or termination of the contract provisions or conditions listed. This is an insured or insurance company to talk about the circumstances under which the contract may be exercised right of cancellation. Insurance companies in addition to circumstances set out in terms of the contract, we should not dissolve or terminate the contract is being performed, while the insured may be lifted or suspended at any time. Judging from the current situation, consumers are often the most dissatisfied with this clause. Such as medical insurance, some insurance companies paid the event that pursuant to the terms out, "except for letters of responsibility."

Throughout the performance of the contract period, if a contract dispute or disagreement, may require insurance companies to explain the objections. "Contract Law" 41 states: the understanding of the terms of the format of a dispute, it shall be interpreted in accordance with generally understood. Right format, there are two or more terms of interpretation should be made to provide standard terms is not conducive to the party's explanation. "Insurance Act" stipulates that: For the terms of insurance contracts, insurers and the insured, the insured person or beneficiary of any disputes, the people's court or arbitration body should be made in favor of the insured and the beneficiary's explanation.