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Data:2009-12-12 2:34
Ting Wen reporter
In the festive gifts an insurance policy, to relatives of a security in this building is a good will. But without basic knowledge of available insurance, and eventually may lead to the policy null and void. Articles to remind readers, in order to insure their loved ones, not in the details of the office, "Shanle Yao."
Shortly after New Year's Day, the Spring Festival approaching, the New Year festive atmosphere has become ever stronger. This time of year, a number of gifts among friends and relatives gifts, is always inevitable. But as the material becomes richer and buy gift to become a major headache. Ever since, even insurance products are included in the gift list, a wide variety of gifts in one army.
This does not, in Shanghai the HU is also thought to my mother to buy an insurance policy, Liaobiao filial piety. By the end of December 2005, her 6000 yuan year-end awards not yet in their own hands cover their hot, they go to the insurance company's account, the turned into a health insurance and a comprehensive accident insurance. Filial HU thought that the successful completion of a comfort thing, no one thought of the students gathering was attached, "the three basin pouring of cold water."
Off-site insurance stir up trouble
"Is your mother not do in Wuxi, Wuxi, you are going back to insure it?" One heard HU mother bought insurance, compare insurance, knowledge of students proficient in Amy first one was questioned.
"No, ah, I was in Shanghai to her mother's medical insurance. She is still living in Wuxi, Wuxi account also."
"Ah? Then you this is not the Mass Transit insurance now?" Xiao Wang dumbfounding.
"These words how I say this?" HU was right puzzled.
"A lot of people know that in Shanghai, Hong Kong and the United States to buy an insurance policy is underground policies, but like you like this, people in Shanghai, Wuxi to buy insurance policies can be regarded as 'underground insurance policy' Oh, because the insured person is your mother, your mother yes Wuxi. such insurance, sick after hospitalization, what claims, there will be a lot of trouble. "
Reporter Comments: inter-regional insurance, is a "time bomb"
In fact, the policyholder is not subject to geographical constraints insured, but the exhibition industry in the behavior of insurance companies there are geographical restrictions. Insurance institutions off-site exhibitions industry, the insurance industry regulators has been identified as violations. Worldwide, the insurance operations is based on the "territoriality principle" fragmented, and off-site exhibition industry has been a universal ban.
From the insured party, although the insurance rights and interests are not affected, but in after-sales service, as well as respect to the claims, but may face a lot of unnecessary trouble. For example, the general insurance provisions are specific to the clinic the hospital rules and restrictions, HU's case, she is insured in Shanghai, and in the future, if her mother's hospital in Wuxi, Wuxi confirmed books to provide explanatory materials, Shanghai insurance companies may not be recognized, thereby impeding the smooth progress of claims.
In addition, because the beneficiaries of health insurance must have been insured person himself, in the future even with claims, Hu's mother, also need to personally handle the insurance company in Shanghai and the signing formalities of recipients, which can be imagined for any inconvenience.
In addition, generally only a national insurance company headquarters are eligible to receive off-site insurance cover. At this point, if the location of the insured party has a branch of the insurance company if, generally can be located local to the company's designated hospital, and then take materials to the location of branch offices to conduct claims. Of course, the most certain way, or in the location of the insured person an insurance institution, because the insured person's body and life insurance contracts is the subject matter.
Warning: Shanghai difficult recovery policy in the field treatment
In March 2003, Xu in Shanghai, a life insurance company purchased an accident insurance policy, additional accident medical insurance. That year in October, Xu accidentally fell while traveling abroad, and immediately admitted to local hospitals. Subsequently filed to the Shanghai's insurance claims. But the company claims department believes that the accident insurance policy provisions, and only 100 in Shanghai, the designated hospital for treatment, the insurance company will settle claims. Therefore, if the field Chuxian insured, insurance companies have the right to exclusions.
Xu While buying the right insurance policy, but because, after Chuxian failed treatment at the designated locations, missing claims payment.
Signed on behalf of the policy could lead to an invalid
"You're in Shanghai to buy insurance, your mother come signature on it?" Xiao Wang somewhat "troubled" asked.
"No, ah, all my signatures signed. The insured person on behalf of a column is what I signed, there is a problem?"
"Hey, you can Zhengou silly. To buy insurance are not allowed to signå‘€."
Reporter Comments: Do not take out insurance on behalf of the signature.
56th of China's Insurance Law stipulates that: "to die for the payment terms of insurance contracts, shall be subject to the written consent of the insured person, otherwise the contract null and void." Because after the death of the insured person, the beneficiary is the survival of stakeholders, such provisions The purpose is to prevent moral hazard.
HU to the mother to buy insurance, is a health insurance and a comprehensive accident insurance. This two insurance policies, contain certain death to protect the interests of the insurance payments are related to death, so this two insurance policies will be subject to Hu mother's written consent, which is in the "insured person" a column on the autograph . If for some reason can not be autographed in the insurance policy must also issue a written power of attorney, to acknowledge the policy.
If there is no consent of the insured person's written consent, even if the adoption of the insurance company underwriting the insurance in the event of an accident, the insurance company most likely under the Insurance Act 56, finds that the insurance contract null and void, to reject claims, injury insured party interests. Moreover, in the insurance activities, such cases have been endless.
Warning: Invalid insurance policies on behalf of her husband Signature
In 2000, where his wife, friend recommendation, I've met a life insurance company salesman Xiaoding. After discussions, Mr. Mrs. Ho that his main economic pillars of family, it was decided to insure Mr.. However, insurance has always been more disgusted with Mr., Mrs. Ho did not bring the husband to see the policy showed, but their own on behalf of the insured person, Mr. a signed column.
The so-called a coincidence. Mr. He, unfortunately, killed in an accident. Insurance companies claims found during Ho's signature handwriting and Mrs. Ho policyholders consistent, so the investigation. The results prove the non-Ho autograph. Finally found the policy null and void and refuse to pay for insurance.
Do not be human policy "Huyou" the
"I know this much, I was looking for my brother's classmates to buy insurance, who would have thought he was not reminded me." HU companions said so much to listen to both grievances, but also regret.
"Wow, you are buying a human policy ah." Few of their companions with one voice cried.
Reporter Comments: Do not stepped on "compassionate policy" is common landmines.
In fact, "human policy" there are many hidden dangers. For example, people express their right to the absolute trust of acquaintances, often hastily signed a policy, the majority of the insured was not aware of their buying in the end what kind of insurance. Moreover, in the "human policy" of the sales process, because of the subjective and objective reasons for such areas, misled or not exactly explain the events are not uncommon. However, when the claims that they found the original to buy their own insurance, imagine, and far from, that would hurt their feelings, and even lead to a friend Dear John, relatives and enemies.
Of course, Zhao Shuren insurance is acceptable, provided that your acquaintances should be sufficient professional, dedicated, and the interests of the customer. However, HU brother's classmates, it seems is not a qualified life insurance adviser, the reminder of the places did not remind.
The insured must learn to control his own mind, do not always feel that pull no less than face. Whether it is for their own insurance benefits, or for the future relationship between the two sides from harm, by acquaintances to buy insurance, the question must be asked clearly or clearly do not want to buy do not want to buy to avoid future regret.
Lesson: to find a friend to buy insurance, and only know how to pay insurance premiums do not know what to vote
Mr. Yoo had a friend some time ago to do insurance work and briefed him on the insurance. "Has 10 years of friendship, and anyway, buying insurance is a matter of time, listen to him that I was able to readily come up with 5,000 yuan to buy 10 million of insurance."
Do not Coincidentally, shortly after Mr. Yoo hospitalized with acute enteritis and spent 3,600 yuan, so he thought of his friend, and asked to buy insurance Can you lose? A friend told him that, at the time to buy is a major illness insurance, there is no additional hospital medical insurance and therefore can not lose. Mr. Yoo was annoyed: "I spent so much money to buy insurance, even not have to lose, a process, I do not buy."
There is still too late
HU has been companions speak Yilengyileng, the moment did not know what to do. In fact you need not rush, for there are problems or have hidden dangers of the policy, if the insured for less than 10 days (that is, the "hesitation period" within), may apply cancel the contract, a full refund of paid premiums, up to 10 yuan deducted nominal fee.
But have missed the period of hesitation, it should be, as the case may be, to carry out remedial measures, or negotiate insurance company to find a solution. For example, if the insured had not autographed the problem, there are two solutions: One way is to let the insured person a written statement issued to prove to themselves that this policy, and then get the insurance company to apply for endorsement. Another approach is to require the insurer to termination. If the insurer unwilling to surrender, consumers can immediately to the insurance company customer service department on an agency or a reflection can not be resolved to the insurance regulatory complaints or insurance trade association.
In short, the most critical issue is to find a familiar insurance practices, and reliable people to help themselves to solve these problems. The insured will not lose their senses importune, but do not easily give up their entitlement rights.
