Reader Ms. Liu called: China Life’s invited insurance expert answered: The rights and obligations between the insurance company and the policy holder are equal, and are generally stated in detail in the insurance contract terms, as follows Let’s focus on a few issues that are likely to cause disputes. Rights of the policy holder: First of all, the policy holder has the right to fully understand the terms of the contract when signing a personal insurance contract, and has the right to require the salesperson to truthfully explain the relevant content of the insurance type according to the insurance terms. If you have any questions about the terms of the contract, you should try your best to ask them. The salesperson is obliged to answer all questions about the terms. Pay special attention to the provisions regarding insurance liability, liability exemption, payment method and amount of insurance premiums, and the amount of insurance benefits paid. If it meets your insurance purpose, you should further understand which accidents are within the scope of responsibility of the insurance company and which ones are not within the scope of responsibility, so as to avoid contract disputes caused by vague understanding of the terms, or losses caused by ignorance, that is, Even if an insured accident occurs, you cannot claim compensation from the insurance company. Secondly, the method and amount of insurance premium payment. Insurance is related to the needs and financial strength of the policy holder. You must carefully weigh your actual needs and your ability to pay. When filling out the policy, the policy holder must truthfully fill in the relevant content and sign it. The signature column of the insured must be signed by the insured. Signed by person. Within a certain period of time after purchasing insurance, you have the right to request to withdraw from the contract. The specific situation depends on the regulations of each company. Please pay attention to the financial losses that surrender or reduction of insurance may bring to you when applying for insurance. When applying for insurance, the policy holder may request the salesperson to provide specific insurance rates and calculation methods in order to determine the amount of insurance premiums and the amount of insurance benefits to be paid. Obligations of the policy holder: First of all, the policy holder should fulfill the obligation to truthfully disclose the information when entering into a personal insurance contract. The policyholder's notification should generally be in writing, and the scope of truthful notification should be matters that are sufficient to affect or change the insurer's risk estimate, including: past illnesses, current illnesses, hereditary diseases, marital status, Age, occupation and other insurance status. The period for truthful notification is from the time when the insurance application is submitted to the time when the insurance contract is signed. If the policy holder and the insured are not the same person, the insured also has the obligation to truthfully disclose the information. Secondly, after the insurance contract is established, the main obligation of the policy holder is to pay the insurance premium. If it is a contract with regular payment, the policy holder must pay the insurance premium regularly and on time, and the grace period cannot exceed 60 days at the latest. If the policyholder wants to change the beneficiary, he should notify the insurer in writing. After an insurance accident occurs, please refer to the relevant provisions of the insurance terms and contact the insurance company or salesperson in a timely manner.

Extended reading: How to buy insurance, which one is better, and step-by-step instructions to avoid these "pitfalls" of insurance