Refers to the contract terms in which an insurance company undertakes the liability of compensation or payment of insurance benefits in the event of an insurance accident according to the insurance contract. Every insurance product has a specific scope of protection, and it is impossible to cover all risks.

Knowing what accidents or situations will happen, and the insurance company will bear the liability for compensation and pay the insurance premium, which can not only effectively avoid possible liability disputes in the future, but also be the focus of choosing insurance products.

2. Exemption from liability clause

Refers to the contract clauses in which an insurance company does not assume the responsibility of compensation or payment of insurance benefits according to the law or the insurance contract. For example, serious illness insurance, the serious illness mentioned in the pre-insurance clauses, or alcoholism, intentional crime, resisting arrest, intentional self-injury, etc., will not be paid by the insurance company.

If you don't understand the exemption clause and think that the insurance company will compensate for any losses, you will be misunderstood and easily suffer unnecessary losses.

3. Compensation clause

This is a contract clause that explains how to deal with compensation related matters after an insurance accident. For example, what certificates and materials are required to apply for compensation from an insurance company, and the scope of compensation provided by the insurance company.

4. Determine the legal identity of the insurer to avoid being cheated. When someone knocks on the door to visit or sell insurance, they are required to show the relevant certificates with the logo of the insurance company or the certificate that the insurance agent is certified to work.

5, familiar with insurance liability, don't blindly insured. There are many types of insurance in the insurance market at present. For ordinary people, facing a large number of insurance products is like looking at flowers in the fog. Some people even read the insurance clauses several times and don't know what to say.

Therefore, before applying for insurance, you must ask the salesman to explain the characteristics and insurance responsibilities of the insurance clauses seriously and in detail, and fully understand the insurance responsibilities listed in the insurance clauses, especially the exemption clauses.

Different types of insurance have different adaptive objects, insurance responsibilities and protection levels, and the insurance limit, insurance premium level and compensation amount level of each type of insurance are also different. Therefore, when you apply for insurance, you must clearly choose the most suitable insurance, so as not to feel "unsuitable" after insurance, and then find a salesman to handle the surrender, which will bring unnecessary trouble and distress.

At the same time, it is also necessary to understand clearly the exclusionary liability of the insurance products purchased and how to claim compensation after an accident, so as to prevent some low-quality marketers from avoiding the important items when introducing the terms, deliberately exaggerating the insurance liability clauses beneficial to the insured, and downplaying or simply not saying the relevant special agreements that the insured should pay attention to.

In the event of an accident, the claim may be different from the original insurance, or the refusal to pay compensation will be excluded, leading to misunderstanding and even unnecessary insurance disputes.

6, fulfill the obligation to tell the truth, so as not to eat bitter fruit. The insurance contract shall be based on the honesty and credit of both parties, and the applicant or the insured shall truthfully fill in the relevant matters of the insurance application and truthfully inform the inquiry of the insurance company.

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