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Data:2009-12-12 2:34
Although there Ping An Life Insurance, Prudential, ING Insurance Company began selling three popular policies, but because of the insurance professional and complexity of consumer misunderstanding of the meaning of insurance terms and conditions of the phenomenon are still endless. Plainly how consumers do buy insurance, and justifiably claims to do? This requires not only insurance agents recommend insurance to consumers when the "honest" consumers need refining to a pair of "piercing eyes" to identify their own insurance, the "true colors."
Recently, Ms. Wang, when, unfortunately, falls in tourism, hospital 5 days, spent nearly 5,000 yuan a variety of charges. Afterwards, Ms. Wang mind prior to travel on the travel agency travel agent liability insurance, subsequently rushed to the insurance company claims. However, insurance companies, the answer is: "Your vote is the travel agency liability insurance, rather than travel accident insurance, so we can not give you claims." After the agent some explanation, Ms Wang was suddenly realized that his own misunderstanding of the meaning of insurance.
Ms. Wang's experience left us a lesson: As ordinary consumers, buying insurance, must not be "too literally." We imagine that the insurance protection and will have greater access to the actual, if the "assumed" to buy, the ultimate disadvantage can only be the consumers.
Critical-illness insurance
This "ill" either-"ill"
Insurance Description: Critical Illness insurance case is suffering from the contract agreed upon by major diseases, such diseases are generally more serious injury to human body, the higher the cost of disease, there may be multiple. At the same time, in order to control risk, clear lines of responsibility, insurance companies generally guaranteed by the major diseases, a clear, clear definition.
Consumer Misunderstanding: Some consumers feel that as long as the insurance got the disease listed in any of the terms of a serious illness will be compensated, and even consumers think they know all the major diseases being Paul range.
Protection of the truth: Every major insurance companies listed in the Dangerous only a disease of its provisions be guaranteed, while the security of their disease, also set a number of deductible provisions, such as a lot of critical-illness insurance required under the terms of the "cancer" belongs to insured category, but "in situ", "skin cancer", "non-life-threatening cancer," been excluded from the protection of outside.
Dao Qiangxian
But paid out only vehicle, instead of losing part
Insurance Description: Dao Qiangxian main protection is the "insured vehicle is stolen or robbed, the local police criminal investigation department above the county level placed on file at least 60 days failed to identify the whereabouts of the loss of the entire vehicle, and vehicles were looted, robbed the process, damaged need to fix a reasonable cost. "
Consumer Misunderstanding: car does not throw the car parts or auxiliary equipment have been stolen or damaged, the insurance company should also be claims; the entire vehicle was looted, with the attendant loss of property should also be compensated on board.
Protection of the truth: General for the entire vehicle losses, insurance companies in the insurance estimate and the amount of compensation and the implementation of 20% of the Mian Peilv; non-full car stolen, just restricted to the car parts or auxiliary equipment have been stolen or damaged, not stolen the scope of the claims and rescue; the entire vehicle has been looted, items stored in the car does not belong to the scope of claims.
Travel Agency Liability Insurance
Paul "Society" does not guarantee "person"
Insurance Description: Travel the state mandatory liability insurance travel agents are required to purchase insurance. Travel agency liability insurance protection is the responsibility of a result of travel agents and property caused by tourists suffered in the accident, personal injury, and bear the economic compensation according to law by the travel agency liability insurance.
Consumer Misunderstanding: Many consumers consider before traveling on the travel agent liability insurance, once the Chuxian, individuals should be compensated.
Protect the truth: travel agents, travel agency liability insurance for their own insurance, the insured, the insured person, the beneficiary travel agencies are not insured by visitors. If the Indian Ocean tsunami was not the responsibility of travel agents, tourists accident liability insurance claims not included in the travel range. The travel accident insurance policyholders are tourists, once Chuxian, visitors may receive compensation.
Savings insurance
Rate of return better than the high interest on deposits
Insurance Description: savings of insurance is to say, consumers can buy insurance in a few years later by the equivalent of savings deposits for principal and interest payments or payments of compensation payments.
Consumer Misunderstanding: Many people think of insurance with a savings and investment.
Protect the truth: The purpose of savings and insurance is to provide insurance compensation or payment payment payment protection. As for insurance products in China is still in place price controls to provide life insurance policies (including scheduled interest rate factors, including long-term health insurance policy) does not exceed the target rate of 2.5% annual compound interest, so this is not a consumer's investment channels.
Daily Links
Insurance two "King terms" has been named Consumer Association
Insurance clause in the "Overlord" style has been the focus of consumer concern. March 31 in the Consumer Association published the "2004 Top Ten inequality in terms of format," clause, which relates to insurance, accounted for 2.
Compulsory insurance of vehicles to a third party claim
The terms of auto insurance: insurance vehicle insurance liability occurred within the scope of the loss shall be liable to pay compensation by a third party, the insured person should provide third-party claims, if a third party not paid, the insured person to be litigation or arbitration.
Comments: choose to who is asking for compensation is the insured person's rights, but the above-mentioned provisions of the insured person to obtain payment of compensation or an insurance policy, you must advance to the third-party claims, limiting the insured directly from the insurer to obtain insurance compensation rights, while compulsory insured litigation, adding to the insured person's responsibility. In fact fall within the responsibility of the insurance compensation for the losses of the insurance companies a legal obligation.
Premiums up to a maximum limit of
Terms: auto insurance provisions, after the insurer agreed to by the insured to pay a third party to rescue fees, rescue fees, arbitration and litigation fees, attorney fees the total number of compensation set out the limits of liability insurance be counted as additional The maximum limits of liability does not exceed 30%.
Comments: payment of the cost is the insurer's legal obligations, without its prior consent. Insurance company can insured person has paid the costs of the statutory maximum amount approved within, but not to set our own standards. The above requirements, whether paid by the insured person whether the costs of rescue and other necessary and reasonable, be limited to a maximum limit of liability does not exceed 30%, far below the statutory maximum standards, in violation of the insurance law.
