1. Where is the insurance contract hidden? Where to see it before insurance? Insurance contracts are generally divided into two forms: electronic contracts and paper contracts.
1, electronic contract
After successful online insurance, the insurance company will send you a single number to download the electronic contract in official website, or send it directly to your reserved mailbox.
2. Paper contract
After successful offline insurance, the insurance contract will be handed over to the customer by the insurance agent. Health questionnaires are usually bound together in insurance contracts to facilitate users' filing.
Although the terms of the contract before insurance are not the formal contract after successful insurance, the terms are basically the same as the formal contract.
According to the relevant provisions of People's Republic of China (PRC) Contract Law, both electronic insurance policies and paper contracts are written contracts with the same legal effect.
If it is online insurance, the terms of the contract are generally in the insurance terms of the relevant documents and insurance instructions, which can be clicked to view, save and download.
If it is offline insurance, the insurance broker or agent will generally provide you with an insurance plan, which is actually similar to the insurance clauses of online insurance.
Before deciding to insure, dad suggested that you must read the insurance clauses and be familiar with the key information in the clauses before insuring.
Two or four tricks teach you to read insurance contracts quickly! The terms of the insurance contract are so long that it is estimated to be even longer than the script of Fulian 4! Let alone explain, from the moment I hold it in my hand, it's like facing the sea and I don't know where to find the needle.
Next, Dad will teach you several ways to find a needle in a haystack and understand the insurance contract quickly and correctly!
The first trick: look at insurance liability.
Insurance liability is mainly manifested in the content of insurance protection.
Listen to the insurance agent, or friends and relatives will tell you what protection this insurance has and how comprehensive it is. Actually, not necessarily.
All guarantees are determined by the insurance liability in the insurance contract.
The above picture shows the insurance liability of critical illness insurance for harmonious and healthy babies and children (bumblebee). From here, we can know the basic guarantee responsibilities of this insurance product, such as: the waiting period is 180 days, the minor illness coverage is 30% of the basic coverage, the serious illness is paid in one lump sum, and the paid premium is returned after death, including the exemption of the insured's serious illness and minor illness.
The second measure: exemption clause
If you still have questions about protection after reading the insurance liability. Then you need to look at the exemption clause, which means that the insurance company does not bear or bears less liability for compensation.
Most of the reasons why insurance companies refuse to pay compensation are written in the exemption clause.
Let's take a look at the exemption clause of harmonious and healthy baby and children's critical illness insurance (bumblebee):
The above disclaimer is simple and clear, and everyone can read it in just one minute.
The third measure: watch it four times.
Hesitation period: generally 10-20 days. During this period, if the insured thinks it is not suitable for insurance, the premium paid will be refunded when applying for surrender. Generally, after the hesitation period, only the cash value will be refunded when surrendering.
Waiting period: refers to the insurance contract within the specified time when it comes into effect, even if an insurance accident occurs, the beneficiary can't get insurance compensation. The purpose of setting the waiting period is to prevent the insured from applying for insurance immediately when they know that the insured accident will happen.
The waiting period for critical illness insurance is generally 90- 180 days, and the waiting period for medical insurance is 30 days. The waiting period generally starts from the effective date or reinstatement date of the contract, and only applies to the first insurance year. For renewable policies, there is generally no waiting period in the renewal year.
Grace period: refers to the grace period given by the insurance company to the insured who fails to pay the renewal premium on time. The insurance law stipulates that the grace period is 60 days.
During the grace period, even if the renewal premium is not paid, the insurance contract is still valid. If an insurance accident occurs during this period, the insurance company still needs to bear the insurance responsibility, but the unpaid insurance premium should be deducted from the compensation amount.
However, if the insured fails to pay the renewal premium in full after the grace period of 60 days, the insurance contract will be terminated. After the insurance is suspended, it can only be restored if it is restored. In addition, there is no grace period for short-term insurance.
Suspension period: refers to the temporary restriction of the effectiveness of an insurance contract during its existence for some reason. If an insured accident occurs during the termination of the contract, the insurer shall not be liable for compensation or payment of insurance benefits.
According to the Insurance Law, the terminated insurance contract can apply for reinstatement within 2 years after the termination of the contract. If the conditions for reinstatement are met, the reinstated contract has the same effect as the original contract and can continue to be performed.
The fourth measure: look at the insurance information.
The fourth measure is the operation after getting the contract for the insured; Dad will give you an example:
Take the electronic insurance policy of "Yaoshenbao" as an example
After getting the insurance contract, first confirm whether the personal information is wrong, and then read the types of insurance carefully to ensure that the signed contract is consistent with the insurance we plan to buy.
First of all, we pay attention to four people related to the policy: the insurer, the applicant, the insured and the beneficiary.
Basic information of policy: product name, payment period, guarantee period, and premiums of each period.
Special agreement: Generally speaking, this kind of insurance product has some special product regulations.
* Next, Dad will analyze the meaning of these keywords:
Insurer: refers to the insurance company. The above electronic insurance policy is Taikang Online.
Policy-holder: A person who signs a contract with an insurance company to pay the expenses.
Insured: the person guaranteed by the insurance contract.
Beneficiary: the person who gets the money when he needs to make a claim.
Product name: Most products can be identified by their product names. As can be seen from the "Drug Security and Anti-cancer Special Drug Security Plan" in the above picture, this insurance is the insurance for special medical expenses of cancer.
Payment term and premium per installment: the required payment term and the amount payable per installment. Note that the payment period is not necessarily equal to the guarantee period. Warranty period: it can be understood as the validity period of insurance products.
3. What will affect the validity of the insurance contract? Whether online or offline, the insured will receive an inquiry from the insurance company (fill in a health notice or an oral inquiry from the agent of the insurance company).
Truthfully telling design problems is generally related to health, occupation and finance, so as to evaluate the risk level of the insured and make underwriting decisions.
Let's take a look at the above-mentioned truthful notification clause in "Harmonious and Healthy Infant critical illness insurance (Bumblebee)":
Regarding the legal responsibility of telling the truth, Article 16 of the Insurance Law also clearly stipulates. It is the legal obligation that the insured must fulfill to tell the truth.
The applicant needs to inform the insurer of the important facts he asks and "should know" when applying for insurance, otherwise the validity of the policy contract may be affected.
Simply put, if the insured does not tell the truth, the insurance company may not pay for the accident.
Fourth, how to manage the insurance contract If you buy insurance, there will definitely be an insurance contract.
If it is offline insurance, you will usually get a paper contract. If you shop online, you will get an electronic contract. As mentioned above, in fact, the legal effect of electronic insurance policy and paper insurance policy is the same.
So it has nothing to do with getting electronic contracts and paper contracts. The key point is to manage insurance contracts well. Dad suggested that it is best to make a special protection list and sort out all the important information of the insurance policies for future reference.
abstract
Buying insurance is essentially buying a contract, and all disease norms and claims are implemented in accordance with the provisions of the insurance contract. It takes a little time to learn the insurance contract, and it also costs money to avoid buying the wrong insurance.
Nowadays, with the rapid development of the Internet, the transparency of insurance information and the popularization of various insurance technologies, insurance tips can be seen online, which is very convenient for insurance white!
Dad Bao official website aims at different types of insurance and different products, and Dad is also doing product evaluation. If you want to configure suitable cost-effective insurance products for your family and yourself, you can continue to pay attention to Dad Bao (ID is common on all platforms).