Category: Insurance tips Release Date: 2006-08-01
You can enjoy the following services:
- The collection of renewal premiums
The premium paid for the installments, you can pay in person to the insurance company, or the commissioned bank autopay, you can also charge the insurance companies to send door salesman.
- Change Policy
You through the application, you can change the name of insurance (limited to convertible insurance), insurance amount, and paid methods, personal addresses, beneficiaries, correct the insured, the insured person personal information (such as name, gender, date of birth, age, etc.) increase or decrease in additional risks.
- Reinstatement
If you have not yet specified grace period to pay premiums, then the policy will become invalid (or stop effect), but within two years, you can apply for re-effect. Apply for reinstate certain criteria are met and are required to pay up the premiums and interest owed.
- To cancel or reduce additional premium
If the insured person due to a change in occupation or health status, risk reduction, you can cancel or reduce the additional premium for the additional insured. Changed by the construction workers, such as shop assistants or cure of major diseases such as the original, can enable insurers to reduce risk, so you have reason to apply for reduced premiums.
- The transfer of insurance relationships
If your address change, need to apply for insurance, the relationship between migration, insurance companies can provide this service.
- Surrender
If you want to surrender, in addition to insurance policy has a special agreement, you can always apply to the insurance company. For the insurance policy contains a cash value, the insurance company shall cancel the contract since the receipt of notice (termination of insurance contract applications) within 30 days from the date, refund policy under the cash value; for other insurance policies, the insurance company should deduct the relevant expenses, refund of premium.
- Report the loss, replacement insurance policy
If your policy accidentally lost or damaged, may apply to report the loss and replacement.
- Policy Loan (depending on the insurance contract)
Some insurance policies give you the right loan, that you can have a cash value policy within the limits of insurance apply for loans. Some long-term policies may have large accumulated cash value, if you need a fund to ease the temporary en-brow of the emergency, you purchase such insurance on the provision of a great convenience.
- Automatic Dianjiao premiums (depending on the insurance contract)
If you purchased insurance with the "automatic Dianjiao premium" requirement, and you are without the prior written as opposed to the statement, when you exceed the grace period has not paid the renewal premium, while the policy cash value at the time sufficient to advance the current period premiums and interest, the insurance premium for you automatically Dianjiao and interest in order to maintain the policy remain in force.
- Consultation and complaints
Insurance company's customer service departments will usually have someone responsible for processing policyholders advice and complaints. If you have questions or dissatisfied with the event may be by telephone, in writing or for questioning the form of visits or complaints. With the prosperity and development of the insurance industry, policyholders have the opportunity to enjoy some of the new services. For example, some companies have begun to provide various forms of policy holders of emergency assistance services.
