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Data:2009-12-12 2:34
We have to admit the fact that ordinary consumers and professional insurance company information asymmetries. The insurance industry in the face of a strong group we obviously vulnerable consumer groups, would be all too easy to fall into the consumer trap.
Verbal commitment to non-gullible
City, the Consumer Council concerned that the insurance has a strong professional, the choice of insurance products, consumers should be professional advice, can not completely trust other people.
In case, potentially, a timely collection of relevant evidence, to the relevant Government departments, complaints, minimize and recover their losses.
Negative articles do not say that consumers in the dark
Trap Case
A friend told reporters that he was planning to buy an old-age insurance, but ask before signing an insurance agent: "how do halfway surrender?" Agent stall the sentence: "In accordance with the cash value of retreat." Asked: "Yes all the premium return it? "an agent could not give further explanation.
Investigation by the reporter
The friend said, in fact, "cash value" is a vague concept, it is the premium paid net of commission agents, insurance companies, management fees and has assumed the pure premium, the premium paid less than a big cut-off. Some of the insurance contract terms are unfavorable to consumers, such as exclusion, halfway surrender, etc., insurance agent in promoting or vague, or simply do not speak with too often consumers in the dark.
Expert Weapon
Insurance, consumers must ask for and carefully read the insurance terms of the contract, should not only be the agent to explain.
Terms were complicated to understand money can not buy
Trap Case
Members of the public Mr. Li purchased a health insurance, the insurance company said that according to "table of contents diseases" specified disease or surgery of the corresponding payment limits in the effective payment of sickness insurance in the amount of insurance. And the "table of contents diseases" listed in the more than 500 kinds of diseases are major diseases, only there are 200 kinds of various types of cancer can be said that no one is "minor ailments."
Investigation by the reporter
In reality, most consumers will feel arcane insurance terms, but sometimes an agent of some simple problems to do complicated expressions, gave people the wrong impression that consumers understand the amount spent can not buy.
Expert Weapon
Recommended trick of the insurance provisions to avoid and much of the. Select insurance policyholders, an important principle is "to buy for their own insurance," and not agents of said conditions or to guarantee the full respect of fall into the trap.
Do not know "Insurance Law" to pay the premium is not valid
Trap Case
Members of the public Ms Lau reflected a few days ago for the 26-year-old son, were cast life insurance, paid premiums, and on behalf of her son signed his name, and later found out with friends talk in the insurance contract is invalid, because the "Insurance Law" provisions of 18 over the age of the insured person to be autographed.
Investigation by the reporter
Such a situation worse in a number of quality insurance agents body. In order to expedite signing with the customer, to get commissions, they often do not understand insurance, the use of customer information asymmetry weakness of Mongolia into a numerical one.
Expert Weapon
After the selection of insurance not to rush to signing, you can call the insurance company or through other insurance professionals for further advice on the insurance and the seller as far as possible to eliminate information asymmetry.
