Accident insurance Mo ignore signature Insurance Tips

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

The very fact that listening to friends and decided to insure her husband in a Huaan Insurance's "rich treasure" accidental injury insurance. Her husband by phone briefly to tell the agent, the agent promised to advance to her first 100 yuan insurance premium, and soon Ms. Zhang received the accident insurance policy.

The very fact that after the policy, however, saw not help heart health doubts, because the insurance policy as an insured person is not her husband's autograph. Under the "Insurance Law" 56th article stipulates that the payment of death for the conditions of insurance contracts, without the written consent of the insured person and the amount of authorized insurance, the insurance contract. "A rich treasure" accident insurance to provide a year aircraft, trains, ships such as death, disability protection, death is a condition for the payment of insurance, the insured person should have signed. The very fact that worried the insurance contract is legally binding, if in the future Chuxian, the insurance company claims it will make a success? To this end, an agent asked her to get the answer is: "No relationship, we are like this out of a single operation, without signature confirmation."

I call on this issue, Hua An Property Insurance Shanghai Branch, was informed that "a rich treasure" accident insurance is rich with Shanghai Hua An Property Insurance Company Insurance Agency jointly developed a product, primarily through the rich sales agent. Business Miss Wang said that the insurance policy with the agency to conduct a monthly transfer of intermediate links may be a problem only appeared when the insured person has not signed the situation. If the customer has concerns, the company will send an agent signed for on-site for customers retroactive.

The plethora of full-time selling the insurance agent was given another answer. The original Miss Xiang Zhang agents who sell insurance, do not need to explicitly inform the insured signature. I also call the customer the identity of a rich agent named Ou agent, get the same answer does not require the signature, the agent said: " 'a rich treasure' is the insurance companies accident business insurance, does not require the insured Signature confirmation; only sell life insurance company accident insurance only needs. "

In this regard, certain insurance, legal experts in Shanghai said, "Insurance Law" clearly provides for the death as the payment conditions of the insurance required to be insured signature, it did so in order to prevent moral hazard, avoid harm to try to gain the interests of the insured. This provision applies to all personal insurance contracts, not insurance companies will not sign the life insurance company needs to sign. Occurred prior to the exact number because there is no sign I had been the case of exclusions, insurance companies, the reason is no signature or signatures on behalf of the contract.

The expert also said that at present only aviation accident insurance clearly do not need to be signed by the insured, as most of the insured shall be the insured person, can be considered to confirm the sum insured and the associated responsibility. Regulatory agencies have issued a document requiring insurance companies may not Hang Yixian signature has not been the refusal by the insurance claims.

With phone sales, insurance card and other new products, new channels appear, the insured person can not communicate face to face with the insurance company directly, personally signed up to become troublesome, but the autograph is still an important part can not be ignored. Aegon authorities say, reached by telephone for the intentions of the insured, policy from the telephone recording, Customer agrees to take effect the insured, insurance company will in future be sent to customer's hands, and fill the customer sign this link. If you served in the insurance policy before the client an accident occurs, the insurance company will bear the responsibility.

Industry experts said that the current accident insurance coverage become more diverse ways, in addition to the traditional counter out of a single, there are phone insurance, insurance, etc. messages. However, the consumer is used regardless of what the insured means the insured person in the autograph on this issue must be taken seriously, consulting to insurance companies clear, if necessary, may request the issuing the appropriate documents in order to avoid future claims that may occur in the ate a "Yaba Kui." Insurance companies and agencies should be informed accordingly, to eliminate consumer confusion.