Category: Insurance tips Release Date: 2006-08-01
Insured to purchase life insurance is mainly to be able to receive financial compensation after Chuxian, but there are also some policyholders were exclusions after Chuxian situation, study its root causes, have the following main reasons:
First, non-compliance with the obligation to pay contributions on time, in the life insurance contract, the insured to pay premiums after the first phase of the insurance contract came into effect, after which the insured must pay the insurance premiums on time, if the insured has not paid more than the grace period after the Auto insurance premiums nor Dianjiao, the effect of suspension of insurance contracts, in effect an insurance accident that occurred during the stay, the insurer may be exclusions.
Second, failure to fulfill obligations to truthfully inform the life insurance contract is a good faith contract, the insured prior to entering into a contract to be accurately informed of the situation, otherwise the insurer may, after Chuxian exclusions.
Third, liability insurance, accident insurance, are not within the scope.
4, except for the insurance are the responsibility of the accident, the exclusions detailed in the terms.
5, the life insurance contract is null and void the contract signed.
6, the insurance accident occurred at exemption period.
7, the lack of the necessary claim documents and materials.
8, more than the claim limitation.
These are the most common life insurance exclusions for several reasons, through understanding, we can better protect their interests, but also avoid some unnecessary misunderstandings and disputes.
