The biggest problem is that there are few maintenance outlets in the region, and the price is a strategy of small profits but quick turnover. It is recommended to buy insurance from a big company because
Buying insurance is the guarantee of buying! When claims actually appear, the processing speed and service will be very different.
1, insurance
It means safe and reliable insurance; Later, it was extended to a guarantee mechanism, a tool for planning life finance, a basic means of risk management under the condition of market economy, and an important pillar of financial system and social security system.
Insurance refers to the commercial insurance behavior in which the applicant pays the insurance premium to the insurer according to the contract, and the insurer bears the responsibility of paying the insurance premium for the property losses caused by the possible accidents agreed in the contract, or when the insured dies, suffers from disability, illness or reaches the age and time limit agreed in the contract.
From the perspective of economics, insurance is a financial arrangement to share the loss of accidents; From the legal point of view, insurance is a contractual act, a contractual arrangement in which one party agrees to compensate the other party for losses; From a social point of view, insurance is an important part of the social and economic security system and a "subtle stabilizer" for social production and social life; From the perspective of risk management, insurance is a method of risk management.
2. Rational use of hesitation period
Life insurance products with a term of more than one year have a hesitation period. The hesitation period is 15 days from the date when the insured receives the policy and signs it in writing. If the consumer is not satisfied with the insured amount or the selected insurance company, he can propose to terminate the contract with the insurance company within the hesitation period, and the insurance company will refund all the insurance premium after deducting the cost (generally 10 yuan). After the hesitation period, the insurance company will charge the refund premium according to the contract, and consumers will have certain losses.
3, cooperate to accept a return visit
If the insurance company pays a return visit to you by telephone, letter or door-to-door, please answer the insurance company's questions and ask the insurance company to answer questions about the insurance contract.
4. Pay the insurance premium in time.
If you buy insurance by installment, you must remember to pay in time to avoid the termination of the insurance contract. There is a certain grace period for the payment of renewal premium. After the insured pays the first premium, unless otherwise agreed in the contract, if the insured fails to pay the current premium for more than 30 days from the date of receipt by the insurance company, or fails to pay the current premium for 60 days beyond the agreed time limit, the contract will be terminated, or the insurance company will reduce the insurance amount according to the conditions agreed in the contract.
5. Dispute settlement channels
Insurance contract disputes between the applicant and the insurance company can be resolved through negotiation, mediation, arbitration and litigation. In the event of a dispute, first of all, the two sides should conduct friendly consultations and strive to reach an agreement. If negotiation fails, the following three methods can be adopted as appropriate:
The first is mediation. You can apply to a mediation agency for mediation. The second is arbitration. If there is an arbitration clause in the insurance contract or both parties have another arbitration agreement, they shall apply to the agreed arbitration institution for arbitration. The third is litigation. If there is no arbitration clause or arbitration agreement, a lawsuit may be brought to the people's court according to law.