Bought a share " this also not compensate, that also not compensate " safe, I this how does though

About insurance product, have two big rumor:

1. buys a fault safe

This year the beginning of the year " flu is middleaged " after this popular literary works brushs screen, many young associate discover, so so serious illness, large expenses, serious illness risk is unexpectedly not of compensate, medical treatment danger also not likely compensate. This gives an issue with respect to extend the meaning: Did the insurance that you buy cover the risk that you worry about truly? The answer often is, cannot. Safe sort is various, part e.g. medical treatment danger, serious illness risk, accident danger, birthday danger corresponding kinds the mainest person risk is big, still have rife detail among them, him consumer makes clear Hunan very hard.

Somebody should ask the likelihood, if professional agent is recommended, can you still face such problem? The answer is as before, can. It is the intellectual level of the product line of company of procuratorial be confined to and oneself, clear to often won't be told to achieve the target of the company, even advocate the product that promote is annuity and lifelong birthday mostly such blame ensures kind of product, the risk that causes consumer is enclothed not comprehensive.

Have more very person, can let consumer buy " false assurance " . Want to bought accident danger to buy dad of a hole however for example " XX1000000 goes " , only traffic accident is 1 million safeguard, insurance cost does not poor but general and accident a compensate 100 thousand yuan, and have die only ability compensate, disable accidentally not compensate. Then, consumer discovery, the circumstance that does not have what fault in oneself falls to cannot get manage compensate unexpectedly, below the double blow in pressure of money of estrangement of funeral of trustful to insurance company feeling, hard to avoid breathes out greatly insurance deceives people.

2. manage compensate is difficult

To the appearance of manage compensate, everybody may have listened to a such vocabularies: Wide enter severe piece. Wide when enter even if buying insurance, say to get give an extravagantly colourful description, severe going out is compensate pointing to manage when this also not compensate, that also not compensate. It is in order to weigh disease risk exemple, rejecting claims dot often is consumer was not fulfilled inform obligation and standard of compensate of short of manage according to the facts. Former and main cause by two following reasons:

The first, consumer oneself is right " health is informed " in " healthy " acknowledge does not reach the designated position, the nucleus keeps an eye medium " healthy " the health in following doctor key point is different, the nucleus protects look upon of a person healthy, can pay close attention to him to did not come only a certain number of possibility that heavy disease develops after year, under photograph comparing, the doctor pays close attention to a person's current healthy condition only, thyroid gland is for instance nodal the indisposition that this kind of doctor feels footy, the nucleus is protected can have except and even delay normally, because meet with has thyroid gland,nodal client photograph compares normal person to having taller possibility development to be thyroid cancer. And it is healthy that average consumer thinks the doctor did not let him treat, actually has contracted the disease that can be kept by refus probably, scanty however inform at undertaking health.

The 2nd, business personnel did not stress the importance that clear health signals to consumer, consumer is not clear cast when protecting " dozen tick off " it is to fulfilling a main obligation, once do not inform an insurance company to corresponding contract removes according to the facts,do not understand more authority.

Moreover, the business personnel of reasonable compensate a gleam of is clear, solid manage compensate standard goes to the short of in holding the circumstance of manage compensate also happens from time to tome, for example, consumer feels oneself " serious illness " had weighed quite, the name that treats a disease also is the same as general conform to at closing, applied for manage compensate, do not accord with the condition that the contract agrees actually.

In addition, negligence appoints beneficiary beneficiary, cast congruent circumstance is protected to also be met carelessly after protecting of gold of compensate of block up manage obtain, also often be considered as insurance company to set a barrier intentionally.

Above a variety of, the opprobrium that caused insurance company is changed.

3. is not clear about disclaimer

The network is genteel last year come out such a tragic tales, a mother commits suicide to give ailing child raise money, the reason is to remember he has an insurance, think the suicide can take compensation. The version of the story is, the mother does not know, oneself insurance is only a year period accident danger, had expired. And besides the story, even if accident did not expire nearly, also not the die that compensate pays insurant suicide to bring is sequential. Although do not know the authenticity of this story how, but the circumstance that more consumer exists to absolve a clause not to understand very to insurance liability really in reality, bring about short of compensate to pay anticipate, this kind of case is very big because business personnel is scanty,degree is at fulfilling a specification obligation is brought about. Clauses is professional very strong, want to make consumer understands an insurance product to protect what to to protect after all, explanation of personnel of hang on business understands these provisions, this is so called " the specification is compulsory " .

But, still even if of a lot of consumer understood disclaimer to also be not agreed with, and consider as insurance company intended digging pit, this explains undoubtedly, the acknowledge of consumer does not reach the designated position, and the announce of insurance company guides also did not catch up with.

The disloyal promise of 4. business personnel

In view of the random elephant that at present insurance sells, business personnel not only constant nonperformance shows obligation, have more very person still make disloyal specification. For example, in sale of danger of conduct financial transactions, the disloyal specification that business personnel often does has:

1.Devoted money can be taken out at any time

Actually, annual desirable money just lives gold, midway is retreated retain bigger loss.

2.All-purpose account interest rate and photograph of economy interest rate are promiscuous

Actually, the interest rate of all-purpose account also is not with place devoted insurance cost is base, do not be equal the in-house yield at integral product.

A word, partial business personnel packed insurance with word art secure the product of conduct financial transactions like accrual with deposit, sell the public figure that does not need this kind of insurance more very much. This kind of circumstance is sure in the bank channel blame very. To this, superintend in prohibiting selling the introduction in this kind, appear " capital " view, ask silver protects channel to undertake " double collection " , effectively checked Yin Baoqu to consumer delusive.

But be in a danger channel, still a lot of clerks pack insurance into product of conduct financial transactions to undertake selling with word art, with the false crust temptation of high income consumer is cast protect, accordingly, this kind of dispute still won't disappeared.

Level of acknowledge of oneself of this need consumer and of superintendency strength raise ability to put an end to misdirect of this kind of sale gradually jointly.

5. expects exorbitant

This kind of circumstance often happens in do not know why oneself want to buy insurance to go up personally with respect to the muddle-headed customer that bought insurance, for example: Consumer is not very approve insurance, hear can " return return " insurance cost, thought to won't be bought fortunately, actually the cost neither one that to resisting the risk should give knows the heart soberly. Bought when insurance old hind, even if be or get out of danger, because be gone after in those days,also return still model, the budget is bought below not much circumstance keep the specified number less, increase inflation, bring about in one's hand insurance gold is very only little amount, this deepened the impression that consumer feels safe to deceive people further.

This circumstance, the announce that in the final analysis is an industry guides devoid strength, major customer still is in the muddled condition that does not have primary insurance consciousness, and birthday danger industry caters to consumer blindly, roll out of all kinds return still and even the insurance product that conduct financial transactions gives priority to, especially a few large insurance company that appear on the market, did not rise to conduct the action that the market advances even, with of all kinds extremely costly, the blame safeguard of responsibility extreme difference product gives consumer brainwashing, increased further consumer anticipates and ensure the chasm between actually, brought about thereby " insurance is deceive people " such rumor is roaring at the market.

Look at the insurance that the fault buys in the hand and false assurance, especially this kind of long-term risk, everybody can think of " return money " this road. However normal " retreat protect " do not resemble returning money however, of its go back is not insurance cost, however cost of money. Because of insurance company invest in is normally long-term model project, the time with very long need will call in capital, do not be willing commonly consumer retreats redound upon a few years to expend, go up in the arrangement of cost of money so, cost of money of before a few years is general very low, and retreat protect, it is go back the cash of the forehead such as this part cost of money.

1. is retreated keep a loss

The balance between cost of money and insurance cost, retreat namely keep a loss. If one grows danger pay to expend time to still do not grow, so congratulation you, retreat protecting is to stop completely caustic, do not care about this bit of loss, because if hand in,go down loss more. If already made fixed number of year already more, should consider cautiously so.

2. sum is retreated protect

So, have sum to remove the possibility that preserve? The answer also is some. Above all, suggest everybody has used hesitation period, clear insurance liability and disclaimer must understand inside hesitation period, if do not suit oneself, hesitation period is retreated it is OK to protect insurance cost of sum go back. Next, have in selling a process like business personnel violate compasses behavior to be like misdirect of acting autograph, sale, consumer can try to complain insurance cost of go back of sum of dimension power demand, if affect contract effectiveness because of this behavior, still can sue to the court.

3, insurance complains dimension authority channel

A lot of people are in after be being cheated by insurance, feel exceedingly furious, want to complain business personnel to perhaps safeguard his rights and interests through superintending a layer. This is specific how should be done, sum up, basically be 4 respects:

"Letter " show insurance consumer can be adopted mail the means that complains material puts forward to complain, insurance consumer ought to will complain material to mail the communication address that appoints to the meeting that keep watch and its agency. Various insurance superintends the communication address of the orgnaization to be able to inquire in official website.

"Visit " the means that shows insurance consumer can adopt interview puts forward to complain, insurance consumer should be in what the meeting that keep watch and its agency appoint to recieve a place to put forward. In the meantime, each protect inspect bureau every months to begin insurance to superintend orgnaization leader and consumer " face-to-face " the director welcomes day of activity, particular case can make an appointment in inquiry of website of each agency government.

"Report " those who show insurance consumer can dial the meeting that keep watch to debut technically " 12378 " authority of insurance consumption dimension complains a hot line to put forward to complain, dial means to be dial directly " 12378 " , need not increase the number that move an area.

"Net " the letter that shows insurance consumer is protecting inspect to be able to reach its agency website is visited complain a column to put forward to complain, the key tells the network letter that how enters the meeting that keep watch to visit here.

Above all, open the government-owned net Www.circ.gov.cn of the meeting that keep watch, the interactive communication that chooses top right corner - the letter on the net is visited, can enter a letter to visit a page.

This page, we can see, the meeting that keep watch is to ask to register Zhang name first, undertake believing visitting again, accordingly we should undertake registered first.

Pouring face of an album of paintings or calligraphy, we do not explain especially, be in " the identity " this one column, each a person of same business should choose " the staff member of insurance intermediary structure " , is not a choice " procuratorial " , "Agent " , "Official estimate person " , because of this 3 person it is to belong to an orgnaization, if had gone up to be able to depend on the course of the office before you, still should meet remember this piece of picture:

Had Zhang date to return an interface to login later, can undertake believing visitting, should meet appear the following interface:

Choose on the interface " I want a letter to visit " , fill in after the thing is passed, refer can.

The letter of the person that an any letters are visited visits content to be able to be protected the staff member that inspect meets is read and handle, if inform against the thing is belonged to solid and belong to the meeting that keep watch administer inside limits, protect inspect to be able to take superintendency step after accepting a letter to visit, and meet wire back (a month is controlled) send a letter to seek a person to the letter (2-3 after the month) , individual Zhang date can initiate a letter 15 days every to visit only.

The Harry that has used many second letter to visit a function expresses, the letter on the net seeks unusual really be convenient to use.

4, insurance lawsuit

Finally, if complain the bureau that keep watch to not have if really, consumer still can adopt litigant Lai Weiquan. Very much young associate hears lawsuit to feel very distant from oneself -- the first, the court is a daily life the place of very difficult bring into contact with; The 2nd, had heard the retaining fee is very costly; The 3rd, sue even oneself draw out legal cost and expenses time goes appearing in court. The idea of many people can be, must not offend on lawsuit, the insurance company after if complain,keeping watch is returned not compensate admits then grow. In fact, lawsuit may imagine without you in so horrible. Feel to litigant fear to eliminate everybody, little common sense of lawsuit of a few insurance is talked below, also regard Wen Mofu as benefit send out:

Who comes to 1. sue?

Lawsuit of manage compensate dispute is by have insurance gold to be sued to the person that pays a request authority, namely insurant, or beneficiary beneficiary.

If be to want to remove through the court,insurance contract retreats redound upon to expend thereby, sue with policy-holder give priority to.

Where is 2. sued?

"Sue where " , namely administer the problem of the ground. A common error is to think law set " can be in insurant abode ground " sue, can sue in insurant abode ground certainly. Be not however actually such. Because, " agree administer " precede over " legal administer " . So, want to ask to be sued which, need to see a contract above all " controversy administer " whether to agree this by oneself, this agreement is significant. Another error is, it is certain to think to be able to be in insurant abode ground to sue advantageous to oneself, actually not certain, because of this " abode ground " the likelihood is not the abode ground that you think.

Who comes to 3. appear in court?

If entrust lawyer criterion need not oneself appear in court, need not fear prosecution place and energy are cost, even if also need not worry administer in his very no-go place. Still can choose actively to be sued in insurance company seat even, so that talk things over at be being communicated with insurance company.

Who comes to 4. legal cost and retaining fee assume?

Legal cost is to give of the court, law sets by lose a lawsuit to just be assumed; The retaining fee is to give of attorney office, this charge can request by lose a lawsuit to just be assumed, but the court decision of instantly does not support certainly. Anyhow, the problem of legal cost need not worry, but the budget of the retaining fee still wants to have.

Must 5. entrust a lawyer?

Not certain, former him defendant is OK oneself are sued, should appeal to. Like case fact amount of very clear, issue passes small or bear a retaining fee feebly really, after also can doing to seek advice with respect to the case to the lawyer, oneself join suit, partial lawyer also offers era to keep indictment business. Nevertheless, if controversy amount is larger, for appropriate processing and economic time energy, suggest or entrust a lawyer to handle.