First, rational choice
Don't blindly believe in and follow the so-called "excellent", "explosive" and "most cost-effective" products. What you really need is the best product.
2. Insurance "hidden rules" you don't know.
(1) "Who will be insured first": the owner (economic pillar) will be insured first, and then the protection will be extended to the lover, children and parents when the economy allows.
(2) "What to protect": Generally speaking, first consider the protection of accidental injuries, accidental medical treatment and hospitalization expenses, then consider the protection of major diseases and deaths, and then further consider the protection of old-age care or children's education on the basis of satisfying the protection of health and death.
(3) "How much insurance coverage": Generally speaking, it is recommended that the premium expenditure should not exceed 65,438+00%-20% of the annual household income, and the insurance coverage should be 5-65,438+00 times of the income.
(4) "To whom": Designate the beneficiary in advance according to the product characteristics, and change the beneficiary according to your own needs and with the consent of the insured within the validity period of the policy.
3. Identify and read in advance
Insurance sales personnel must obtain the Practice Certificate of Insurance Sales Practitioners before they can sell. Please show your paper or electronic practicing certificate in advance to ensure that the salesperson has the qualification to practice. You can "verify the authenticity" by scanning the QR code on the practice certificate, logging in to the practice certificate website (insurance intermediary supervision information system) or calling the insurance company's customer service hotline.
4. Ask more questions and focus.
Ask the benefits of the policy in advance. Among them, "what to protect", "how long to protect" and "what not to protect" are the basis of "avoiding the pit" This information can be found in the terms of insurance liability, insurance period and exclusion liability. In addition, focus on whether the policy has a hesitation period (whether there is time and right to "go back on our word"), observation period, deductible and the amount of surrender halfway.
5. Get insurance early and tell the truth.
Generally speaking, with the change of age, occupational risk and physical condition, the insurance premium rate will change, and with the growth of age, the insurance premium rate will generally increase, so please configure and improve the insurance protection as soon as possible; In order to avoid subsequent disputes, it is an important part of "avoiding the pit" to fill in the matters asked in the insurance application form truthfully.
Intransitive verbs protect rights and interests, and listen attentively.
Insurance companies will pay a return visit to life insurance policies with a term of more than one year. Please pay attention to the content of the return visit and make sure to answer truthfully. If the insurance contract involves the rights and interests of the hesitation period, please pay attention to the start and end time of the hesitation period.
7. Information changes and quick corrections.
In order to ensure that important information can be obtained in time, please contact the service personnel or insurance company as soon as possible to correct any change in name, ID card, mailing address and contact information.
Eight. Timely payment and protection of navigation
It is the insurer's responsibility to provide insurance, and it is the insured's obligation to pay premium, which is also an important prerequisite for the establishment of insurance and the existence of contract. Please pay the insurance premium in time within the specified time to ensure the continuation of insurance coverage.
9. Report the case first, and then settle the claim.
Reporting the case in advance can improve the limitation of claims and avoid subsequent disputes to the greatest extent. Please report the accident to the insurance company as soon as possible.
X. If you are not satisfied, you can defend your rights.
If you are not satisfied with the product or service, you can contact the service personnel or the national customer service hotline first; If you are dissatisfied with the decision, you can apply to the insurance company for reconsideration; If you are not satisfied with the handling of the insurance company, you can also apply to the local insurance industry association for mediation. If no agreement can be reached, it can be settled through arbitration or litigation.
1 1. Black intermediary, be careful.
In order to protect your rights and interests, please protect your rights through legal channels, don't trust black intermediaries, and avoid personal information and property losses.