5 strokes to read your insurance contract Insurance Tips

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

After the marketization of China's insurance industry, most products are no longer consistent with the use of the national "integration awarded clause" in the formulation of the terms of the insurance companies say "Baxianguohai, recount."

Due to lack of industry standards, some problems with the insurance contract terms. Consumers to choose insurance companies and products, shall grasp the key elements of the terms will be the initiative into their own hands.

First of all, grasp 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 the insurance company after the purchase of insurance products, the core interests lie.

Second, read the exclusions.

The article cited a variety of insurance claims is not an accident situation, consumers buy insurance, to be careful to avoid these situations, after the emergence of claims to avoid an accident and can not.

Third, we must verify the insurance contract 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.

Fourth, look at the contract term notes.

This content is the name of the insurance-specific uniform, legally binding interpretation. Primarily to help the insured a clearer understanding of the content of the insurance contract terms, to prevent the deviation of understanding.

Fifth, look at the contract to lift or change the situation or the listed requirements.

In general, insurance companies, except in the 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.

However, some insurance policy gives insurance companies the power unilaterally to adjust the scope of protection, consumers should avoid accepting such "unequal" clause.

Read the above five areas of focus of the content, consumers have any questions about insurance should be asked in time, which is an obligation to truthfully inform.