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Data:2009-12-12 2:34
Case: Mr. Gong and Mr. Lei co-workers, respectively, last year they purchased two life insurance companies, is a co-existence risk (primary insurance), and additional inpatient care insurance. The main risk is long-term insurance, payment for 20 years, survival to a specific age, birthday will receive a generous grant in the previous case of death, there are high insurance premiums; additional insurance to protect patient medical costs.
This year, two are scheduled premium into the company's designated bank account. Mr. Gong deposit insurance premiums, including the main and additional insurance, reinsurance Mr. Lei does not want additional insurance, remaining the main risk premium. But the coincidence is that their policies have a problem.
Mr. Gong surprised to discover that the insurance company is only planning to go the main insurance premiums without withholding additional insurance premiums, insurance companies, said the additional accident insurance, the insurance period of one year, Mr. Gong did not timely renewal application in writing additional insurance therefore can not be renewed. And Mr. Lei contrary, he deposited the premium was found 3 months after the policy expired, and insurance company said that because of his bank account, only the primary insurance premiums, deduction can not add insurance premiums, they have not contact him, the policy had to be unenforceable. 2 President can not see that this additional insurance renewal in the end how the story?
Analysis: In recent years, caused by additional insurance renewal insurance dispute, there is growing trend. This may be mainly due to the characteristics of the insured for additional insurance is not enough to understand. From the current market has the additional risk situation, to the following three categories:
The first insurance company to ensure renewal in accordance with established premium rate, or the insured to pay premiums as long as scheduled, additional insurance will remain in force. This type of insurance portfolio be made in writing as soon as possible if the insured did not abandon the renewal, the insurance company which is the default for renewal. If the insured is only deposited in the bank instead of the main deposit of an additional insurance premium insurance premiums, account balances will be due to lack of planning models fail to make insurance companies, resulting in the premium pay is not successful, as well as policy failure. Mr. Lei insurance policy may belong to this category.
Second, does not guarantee renewal type. This additional risk at the end of each policy period, the insured must submit an application by the insurance companies underwriting agreement, according to the time of renewal insurance premium rate. Mr. Gong's policy should be part of some types.
3 is to ensure renewal type. This additional risk as long as the insured is willing to insure, the insurer must be covered, but the insurance company reserves the right to adjust premium rates. If you do not agree with the insured after the insurance company to adjust rates, you can choose not to renew the policy.
