Today more and more people with business insurance, insurance policies, like the human body in the hands of, needs to be a "medical examination" to ensure the health, rather than bought as long as you can "once and for all." family policy "physical examination" what to check program, once it's found and how should they be solved?, 16th, this reporter consulted members of the provincial capital insurance. Case 1 oversight failure Taiyuan public policy in 2005, Guo insurance medical insurance, annual pay premium over more than 4,000 yuan, fee 20.2009, he had lost his insurance policy, and later moved house, nor after the change of address formalities, payment orders sent there will be no, Mr Kwok will gradually forget to pay a thing. This summer, Mr Kuo hospitalized because of an unexpected, their advance after the medical expenses, had purchased insurance. However, when he went to insurance companies for claims procedures, only to be told his insurance policy has expired, can not apply for claims.
Reinstate, Mr Kwok submitted applications to the insurance company at once, and carried out a medical examination. but because of the detection of fatty liver disease and high blood pressure, Guo's policy increasing premium nearly $ 1000 a year later. Reminded life in the many people are and Guo Mr as, purchased insurance zhihou on will policy shelf,, with insurance company and own contact, annual of payment also, with insurance company of reminded. currently various long-term life insurance, if over wide deadline no payment, policy will automatically failure; after two years (General complex effect period is two years) also no to insurance company applications complex effect, policy will thoroughly "die". Staff of ping an insurance policy once the failure will bring a variety of "sequel", serious, insurance contract will be terminated. even if the insurance company agreed to reinstate, will also be subject to certain restrictions, for example to health again told that reconsideration, if the body does not meet the requirements, you will encounter increased premiums, increased
Period of observation or refused, and so on. Policy "physical examination" should pay attention to when the policy is valid, ensuring that personal information is accurate, contact address, telephone number or beneficiary update policy information changes shall be notified as soon as possible, such as insurance companies. Case 21 copies insurance is no guarantee that "foolproof" Taiyuan public Zhang Mr is one career investor, engaged in stock aspects of investment number years, income good. Qian two years he buy has a Zhang life insurance policy, but no carefully understanding policy content, only know basic insurance amount has 500,000. has has insurance marketing member to he recommended insurance, but Zhang Mr think 500,000 of protection has enough has, therefore all politely refused. Unexpectedly, hospitalized after a car accident, large amount of medical expenses for a family was not knowing how to be good, so contact insurance marketers-site complete the claims process, marketers had told him the hospital could not apply for claims., Mr Zhang is a purchase before
Red-type of endowment insurance, although the guarantee amount up to $ 500,000, but this policy does not cover in-patient health care, insurance and other aspects of security, so the insurance company could not pay for medical expenses. Remind, in fact, like many insurance clients and Mr Zhang, can't figure out what kind of insurance policies bought, completely unknown at the time of the application in the event of accident claims or medical benefit. " Therefore, check whether the guarantee and the current needs of their matches, this is the most important part of policy annual survey. " Taikang life staff told reporters. But, currently market Shang no a copies policy will provides all risk of Omni-directional protection, therefore, insurance also should for "examination", let it as personal, and family situation of changes and has adjustment. such as married Hou of protection will than singles Shi more, then to to past of policy doubled out look at, then under currently of family needs made new of insured decided; Dang personal of family shaped
Working conditions or when the content changes, policies should be changed as the personal responsibility for change. In addition, you would like to remind you, complete protection plan not only include life insurance, property insurance part of there are often ignored by consumers, also need to regularly review. If the situation has to change or replace the houses, cars, you need to resize the contents of the corresponding property insurance policies in hand.][Exchange][[banking][insurance][Fund finance focus]biggest Fan Er cosmetic bag 8 to to the world's happiest dream travel · photos : Group-get cheap tips · 2012 gold investment · photos: top ten alternative insurance · rates regulation why year after year without reducing
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