Tell the truth, actually the insurance of our country develops ability 40 years truly, but was sure for a time " cheater " , " pass annul " acting one's words. Allergy of so much person is safe, saying insurance deceive people, what to produce after all?
Love the procuratorial system that hates again again
1992, friendly nation of foreign capital insurance company introduces system of birthday danger agent home, made the rapid progress of domestic insurance, also accomplished " cheater " title. Thenceforth begins, insurance company began low doorsill " tactics of sea of faces " , action person does not have a doorsill, sell go out to be able to take middleman's fee, then large quantities of person insanity swarm into this industry, after accepting product of a few days to groom, start rich journey with respect to what begin his.
The friend beside, kin, neighbour is waited a moment, became them promote an object, but safe from level of staff of course of study uneven, created the big question of compensate of manage of insurance later period, understand gradually when everybody when, also with respect to hard to avoid to " insurance is procuratorial " and " safe " produced allergy.
How does occurrence dispute of insurance manage compensate do?
The basis keeps the data that inspect can publish, every year many manage compensate dispute appear. As a result of,basically be these a few kinds of circumstances: 1, the salesperson's misdirect, liability of voluntary exaggerated insurance or accrual; 2, policy-holder not sincere letter, hide the matter that should inform intentionally, for instance healthy state, insurance company rejecting claims; 3, as a result of policy-holder and insurance company between information asymmetry, the client is in the weak power that limited selection, passivity accepts.
And the dispute to insurance manage compensate, above all by these a few kinds of method: It is above all communicate with insurance company, show a case; If be no good, can arbitrate to place committee undertakes the arbitration, perhaps dial the countrywide insurance consumer with the enlightened meeting that keep watch to complain dimension power hot line directly: 12378, let them intervene solve; Finally if cannot be solved, can take judicatory lawsuit only.
What insurance is worth to buy? How to configure?
Actually insurance itself does not have a fault, the problem is to go out to go up in a few person that sell insurance. Insurance is bought was opposite, it is domestic safeguard. So we should buy what kind of insurance, how is configuration also the problem that a lot of people pay close attention to. According to my old experience, give out to suggest below now, if insurance does not have major change, believe Neidouke 3 years to consult in order to regard as:
Say the basic configuration that the individual is sure to ensure above all, next the crowd with different basis, I can configure aspirant travel increase and decrease basically to change in this.
The individual is sure to configure basically: The 1 million put together that keep the specified number add up to accident danger (include accident medical treatment, traffic to give a safeguard) + 1 year period danger of 1 million medical treatment, these two are sure to add up the price is probably one year hundreds of yuan, suit to do major person to do a basic configuration, the youth that is not worth to the budget especially, and for the person that has doubt to insurance, can obtain safeguard with lowermost cost. Notice additionally, danger of 1 million medical treatment is danger of medical treatment of be in hospital commonly.
Next, I am met according to different crowd circumstance, other insurance is added below basic configuration, have complement:
1, without social security crowd: Basic configuration + danger of medical treatment of the 10 thousand outpatient service that keep the specified number, advocate if complement does not have what cure protects to be short of,break,
2, the job works overtime stay up late crowd: Basic configuration + sudden death safeguard, it is the youth is in the majority commonly, career actuating pressure is great, economic budget is average, can match so first, if economic budget is enough, can increase risk of a serious illness again.
3, crowd of domestic economy pillar: Basic configuration + serious illness risk, what the domestic economy pillar here basically says is one person makes money the circumstance that raises a family. In basic safeguard configuration falls, plus serious illness risk, origin breaks the economy that because break out a serious illness,prevents to appear to flow and treat cost in short supply.
4, body situation is bad, if body circumstance cannot pass,so insurance health informs, can try to prevent cancerous risk to perhaps prevent a place difficult of access of cancerous medical treatment.
These collocation combines above, be pure consumption insurance, can satisfy the requirement of major person basically. Friends, were you understood? Code word is not easy, welcome everybody to order assist transmit review, thank everybody to support!
