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Data:2009-12-12 2:34
Although the concept of insurance, financial management is being accepted by more and more people, but in an insurance policy, consumers better as a closer look at the terms of insurance contracts.
While the insurers of the terms and rates are through the China Insurance Regulatory Commission approval or record, but the insurance companies to offer products may vary. Such as those on pensions to survive, some monthly collection, some are fixed to receive; ill health insurance, and some, including dozens of serious illness, some only a few, these must be careful to ask understand that personal circumstances, make your own decision. At the same time to compare different companies over similar insurance products, the terms of the focus depends on insurance liability, exclusions and other key provisions.
For the insured, they should first study the provisions of the insurance liability and exclusion of liability in these two parts to make it clear what these policies can provide protection, and then get their own insurance needs contrast, we must guard against the individual members of misleading marketing. No explanation is based on commitments or no legal effect. At the same time to clear understanding of their needs, first consider the needs of families own or what is, for example medical expenses for illness worry too much and unbearable burden on those who might consider purchasing medical insurance for the elderly who worries about life after retirement can choose to pension insurance; want education for our children to prepare gold, gold marriage of parents, children's care or education, may be insurance payment insurance. In addition, single-period, period of family formation, family growth, their children and family maturity period of university education and post-retirement period in different stages of life, the choice of insurance is also very different.
Annual payment is based on 10-year, 20-year period, and so must pay an annual premium, wholesale delivery is a one-off Contributions. Experts suggest that the insured re-disease insurance, health insurance, try to choose a long period of payment of payment. Because the payment a long period, although the total amount paid may be slightly more, but less time payment will not bring too great a burden to the family. Many insurance companies stipulate that if a critical-illness insurance payments under the settlement occurred in the payment period, from the date of payment, be exempted from the subsequent period of insurance premiums, insurance contracts remain in force.
