First of all, all information must be filled in completely. Such as name, date of birth, occupation, etc. The certificate number must be consistent with the valid identity document; The mailing address is a mailable address. It is particularly important that the applicant and the insured should truthfully answer the questions raised in the application form, and explain in detail or provide relevant written materials in the remarks column of the application form when necessary. If you don't tell the truth, you may not get compensation from the insurance company when an insurance accident occurs, and the insurance company also has the right to terminate the insurance contract.
Determine the beneficiary. If the beneficiary is clear, the insurance premium will be paid directly to the beneficiary after the insured accident, otherwise, the insurance premium will be distributed by the insurance company in accordance with the legal succession order and enter the scope of the estate, which may cause disputes. To determine the beneficiary, the insured needs to sign in person (if it is a minor, it should be signed by the legal guardian).
Finally, you have to sign it yourself. After filling in the application form, you should also review the content of the application form to confirm its authenticity and completeness, and sign it personally for confirmation. The applicant and the insured shall not sign a blank or incomplete insurance application.
How to fill in the insurance policy?
When filling in the application form, the applicant should fill in all the contents truthfully and realistically to ensure that the information filled in is complete and true. Otherwise, the insured fails to fill in the application form or deliberately conceals the real situation, which will lead to the insurer's refusal to underwrite. Even the insurance contract concluded by chance, once verified, the insurer has the right to terminate the insurance contract. Specifically, the insured should pay attention to the following points when filling out the insurance application:
1. The name of the applicant should be the legal name at the time of insurance application-the name of the citizen registered in the household registration book (ID card).
2. The full name of the insured's address shall be written in detail. If the domicile (domicile) is inconsistent with its domicile, it should be clearly filled out separately.
3. The occupation or business scope of the insured shall fill in the specific occupation of the insured, such as driver, teacher, textile worker, college student, etc.
4. What insurance does the applicant want to insure, and whether he has insured the same insurance and insurance amount with other insurers on the same subject matter and insurance risks.
5. The subject matter of insurance should be clearly filled in. For example, the name, type, quantity and location of the subject matter of property insurance should be filled in separately. However, the life insurance application form should clearly fill in the subject matter such as survival, death, disability, labor ability, illness, medical expenses, etc.
6. When applying for personal insurance, the applicant must also truthfully fill in the name, age (date of birth), occupation or position of the insured. Among them, the age of the insured shall be at least one year old in the calendar year. Less than one year, more than six months count as one year, and less than six months count as the next year. For example, if the insured is 20 years old and 7 months old, it will be 2 1 year old.
7. When applying for personal insurance, the applicant shall fill in the name and address of the beneficiary on the insurance application form according to the beneficiary designated by the insured for his true will. If the beneficiary works or lives abroad or elsewhere, his mailing address should also be filled in. If the insured does not specify the beneficiary, the applicant may temporarily fill in the "legal heir" in the beneficiary column.
8. When filling in the insurance amount, the applicant shall fill in the appropriate amount according to the specific conditions of the subject matter insured, his own needs for insurance protection and the requirements of the insurer in the relevant insurance clauses.
9. The applicant shall sign or seal the application form in person. If you are illiterate, you can use a "ten" instead of a fingerprint.
Pay attention to the following issues when applying for insurance:
First, the parties to an insurance contract-the insured and the insurer-attach importance to the policy but despise the application, equating the policy with the insurance contract. As an important contract, the insurance policy is an important part of the insurance contract, which constitutes an insurance contract together with the insurance policy, application for correction, approval and other important documents. Insurance contract is a whole concept, and a voucher cannot be a complete insurance contract.
Second, the insurance policy lacks the signature or seal of the inviter-the insured, or the signature of the salesman of the insurance company. As a written invitation document reflecting the insured's intention to purchase insurance, the application form must be complete, accurate and true. The so-called completeness means that all the columns listed in the application form must be filled in, and there are no vacancies; Accuracy refers to the accuracy of all filling elements, such as target address, insured amount, insured date, customer contact information, etc. Truth means that the applicant is the main qualification to fill in the application form, rather than being filled in and signed by the insurance company salesman. The greatest embodiment of the truth is that the applicant himself seals or signs the insurance application, which is an important element of the contract. If the stamp (signature) column of the applicant is blank or filled in by the salesman, it is an invalid invitation, and the invitation itself is incomplete and not legally binding on the applicant. Invalid invitation means that the insurer's promise-insurance policy has lost its foundation, which undoubtedly lays a fuse for future insurance disputes, and it is easy for both the applicant and the insurer to be in a passive legal position. Therefore, the strict private business operation process must be signed by the insured in the "Signature of the Insured" column, and a copy of the ID card should be provided as an attachment to the insurance policy for the record, so as to be considered as a complete invitation and acceptance of the invitation.