Recently, there have been some news, which let us see that some people bought a lot of insurance for themselves, and then some risk events happened. How to deal with this situation?
Today, we will explain these problems to you through this case.
Case details:
A few days ago, the accident of a man who died after driving into a valley caused a thousand waves in the insurance industry. The reason was that the man insured more than a dozen insurance companies in the first half of his death and bought self-driving accident insurance or accident insurance through electricity sales or online sales channels. The insured amount is as high as nearly 35 million yuan.
According to informed sources, this man named Chen Mou, aged 48, usually lives in a town in the southeast of Dongguan and recently died while driving in a valley in Guangdong.
According to the data exchanged by peers, there were at least 16 insurance institutions in Chen Mou during his lifetime, including MetLife, China Life Insurance, Xinhua Life Insurance, Qianhai Life Insurance, China Life Insurance, Guohua Life Insurance, Ping An Pension Insurance, Taiping Life Insurance, Times Property Insurance (formerly Volkswagen Insurance), He Zhong Life Insurance, Fude Life Insurance and Huatai Property Insurance. At present, the total insured amount has reached 34,654,330.
According to several related persons of insurance institutions involved, an insured insured insured a number of insurance companies with similar insurance liabilities in a relatively concentrated period of time, and the case with such a huge amount is quite special. Due to the short time from the incident, more investigations are needed. At this stage, it is difficult for institutions to decide whether to pay compensation.
It is unclear whether there is moral hazard in this incident and whether it is suspected of fraudulent insurance, which needs further confirmation by the judicial organs, but this case should attract more attention from the regulatory authorities and the industry.
Case study:
In the above case, the man bought multiple insurances and fell into the valley and died. Whether the insurance company can claim for compensation depends on the further determination of the judicial organs!
Today we will tell you through this case, can insurance be insured so many times?
There are many types of insurance. Under normal circumstances, after repeated purchases of reimbursement types, claims cannot be repeated; But after repeated purchases like payment, claims can be repeated.
Let me tell you about the reimbursement category first.
What is accountable means how much money we spend and how much we lose. The insurance company will reimburse us according to our treatment expenses and property losses. For example, medical insurance and auto insurance are typical reimbursement insurance.
General property insurance is compensation type, and the maximum value of property insurance protection is basically the property value itself.
Medical insurance is similar to our social security, that is, how much we spend in the hospital, and then we will reimburse according to the items we spend.
How many copies of this insurance do you buy? The maximum compensation is your expenses and losses. So generally buy one! You haven't seen anyone buy several auto insurances for a car, have you?
General payment types can be paid repeatedly.
The men in the above cases all bought accident insurance, and the accidental death guaranteed by accident insurance was paid in advance. That is, as long as you die, the insurance company will pay the corresponding insurance amount.
This kind of compensation is generally based on people's life and health. Specifically, the insured amount of death liability and the insured amount of major diseases can be paid repeatedly. Since you can pay repeatedly, you can buy repeatedly!
Here are three examples of specific types of insurance:
1, life insurance. Life insurance can be divided into term life insurance and whole life insurance. No matter how long the life insurance is guaranteed, as long as the death occurs during the guarantee period and the insurance does not exempt the liability, then the insurance company will pay.
For example, if you buy three life insurances, the insured amount of each life insurance is 654.38+00,000. If you die unexpectedly and don't touch the exemption clause, then the insurance company will pay you 3 million.
2. critical illness insurance. Critical illness insurance also pays in advance. As long as you have a serious illness written in the insurance contract, you can pay for it. The fee paid has nothing to do with whether you use it for treatment or daily expenses.
For example, I bought two major diseases, one with a critical illness coverage of 500 thousand and the other with a critical illness coverage of 300 thousand. If I have a serious illness in the contract, I can pay two, and I can pay 800 thousand in total.
3. Accident insurance. Accidental death in accident insurance is also a type of payment. If an accident causes death, the insurance company can also pay or pay together.
For example, if you buy three accident insurances and each accident insurance pays 500,000 yuan for accidental death, you can pay 1.5 million yuan after accidental death.
But be careful!
Repeated purchase of multiple insurances with high coverage will be reviewed by the insurance company. For example, if you want to buy a high critical illness insurance, insurance companies generally need you to provide proof of income and property, and life insurance is the same.
The accident insurance that the man bought in that case came from many companies. At present, the systems of various insurance companies have not been opened, and the insurance companies do not know how many copies the man bought. At this time, the insurance company will conduct an audit to see if the customer has deliberately defrauded the insurance. If there is fraudulent insurance, the insurance company will not pay the claim.
There is another knowledge point. Some friends are not sure about the difference between accident insurance and life insurance.
The price of accident insurance is much lower than that of life insurance, because there is a prerequisite for accident insurance, that is, death, disability and medical care caused by accidents must be paid for accident insurance. If it is because of illness or disability, accident insurance cannot be guaranteed. No matter what events, accidents or diseases, life insurance can be paid as long as it dies. Therefore, in terms of death liability, life insurance covers a wider range and the premium is naturally higher.