There is some of friend recently, the matter of insurance respect refers here, next after I recommended insurance product, a lot of asked a question: This what insurance company, how had not heard of, safe?
I think, for certain a lot of friends have the doubt of this respect, although,price of sex of some insurance product is compared very tall, but company not very is famous, a lot of people may have never listened, this kind of concern existing in the heart also is normal, small today chat by force with everybody, the security problem of so called big insurance company and small insurance company.
Why be safety? Range is too actually wide, but the problem no more than that everybody cares generally 3:
1. is small insurance company relies on chart not, can you manage is compensate difficult?
2. manage compensate when small insurance company has served, is manage compensate rate rapid?
3. insurance company can close down, in case closed down how does my guarantee slip do?
Below small talk about these 3 problems by force with everybody.
1. is small insurance company relies on chart not, can you manage is compensate difficult?
This is a question that friends often ask, think namely commonly big company ah, old brand, have safeguard, small company may be done not have so rely on chart. Actually this is not completely so return a responsibility, insurance dispute often takes the legal effectiveness of the contract seriously, so, unpleasant truth compensate, be not depend on the size of insurance company, depend on however we and the contract that insurance company signs, if the contract is no problem, without giving thought to insurance company size, regular meeting manages normally compensate. So small strong also emphasize again and again in the article before, want to value insurance contract, the contract is everything is essential, admitting to see a contract from A to Z really at least is very those who be necessary.
Generally speaking, insurance issue is a few the commonnest kinds:
A. Health signals a problem
B. Avoid liability problem
C. Problem of period of efficacy (include: Hesitation period, await period, wide deadline is waited a moment)
D. Cast keep conditional problem
E. Other issue
We can see, actually among these a few kinds of problems, close with insurance contract photograph for the most part, and what write in black and white on the contract is very clear, just we drop a lot of time when protecting, do not have too attention, perhaps did not make clear Hunan.
The fitness that weighs disease product for instance signals a problem: It is the person that second liver is carried obviously, and family health is informed had asked about, but cast when protecting, did not reply according to the facts, at the back of that if got liver cancer of what can produce issue commonly, and final insurance company is won't compensate for. What because you are cast,won't protect is big company with respect to compensate.
Again for instance, cast those who take care of disease to have obviously 90 days to await period, but if the be or get out of danger inside 90 days, insurance company also won't of compensate, these must make clear Hunan.
2. manage compensate when small insurance company has served, is manage compensate rate rapid?
Generally speaking, the service is good, with company whole service level is mixed each local branch government are relative, but it is good to do not serve on behalf of big company, small company service is bad.
Small strong point of view is: Want to see us buy the insurance of what sort, if be the danger that buy a car, I buy the product of big company with respect to the proposal, even if money is bit more, also should buy big company.
Why, because of car danger this thing matters to amount of site of the service below the line directly, and the spot comes to help, supportive service is waited a moment, the advantage of big company is reflected apparently, site of big company service is much, always tell on the whole, serve an experience to be close friends than what Xiaogong manages commonly. Plant as to other risk, do not rely on the field service below the line purely, do not have too big difference generally speaking, be or get out of danger is main it is phone announcement, it is OK that the data that prepares manage compensate next is referred, and very much now it is to pass mark of small letter public or APP will finish manage compensate, can not have particularly big difference so, have some of small company, for better to the client experience, manage compensate flow is fluenter instead, convenient.
Issue of manage compensate rate, everybody also need not worry, see well contract, also have on the contract write, the insurance of same kind, the technological process of compensate of insurance company manage is similar, there won't be particularly big difference commonly on manage compensate speed so.
So, besides car danger, other insurance is done not have necessary too kink Xiaogong manages or the service issue of big company, price of which individual character is compared tall, suit oneself more, buy which.
3. is small insurance company can close down, in case closed down how does my guarantee slip do?
I think this is a lot of friends' afraidest problem, but everybody's concern is a bit actually redundant. We can see a piece of graph understand:
Below summary, insurance company has much security:
A. Insurance company holds water to compare difficulty, the state is relatively strict to its aptitude examine and verify
B. Insurance company and its solvency suffer the meeting that keep watch to superintend, and superintend very strict also
C. The world insurance is, of insurance company protect a mechanism again, meeting general risk is dispersive
D. How does insurance company manage not to be pooh-poohed, still can change or increase partner to note endowment
E. Safeguard fund moves to improve management condition
F. The meeting that keep watch appoints other company to receive
G. The State Council superintends an orgnaization to take-over
So, everybody should have certain knowledge to the security of insurance company, chinese insurance company, from hold water to now, still go bankrupt really without which those who close down. Come here, everybody can put the heart in abdomen.
