As insurance awareness becomes more and more people realize that buying insurance is a very cost-effective thing. You only need to pay some premiums every year to fully protect your future without worrying that diseases or accidents will have too serious impact on your life.
Although insurance is good, for most insurance novices, the insurance insurance process is still a bit complicated. In order to make everyone understand the insurance process, senior sister will talk about this issue with you today.
The focus of this article:
1. What is the commercial insurance insurance process?
2. What types of commercial insurance are good to buy?
3. How to buy commercial insurance to be cost-effective?
1. What is the commercial insurance insurance process?
1,
Before taking out commercial insurance, we should first determine which channel we should take out insurance and which product we should buy. Now we can choose to have two types of insurance channels: online insurance and offline insurance .
If the insured wants to insure online on , you can purchase it through the official website, official Weibo account of insurance company or the third-party insurance platform . If you want to insure offline in , you can purchase it through the insurance company outlet and the insurance salesperson you know.
The insurance purchased through these two insurance channels has the same legal benefits, and the insurance company will provide protection to the insured in accordance with the insurance contract.
After selecting the insurance channel, you also need to verify the identity of the insurance agent/insurance broker. After confirming that their identities are correct, you can start preparing your own personal information and information to facilitate the next step.
2, insured
When insured most commercial insurances, the insured must inform health . The so-called health notification is a questionnaire set up by an insurance company to understand the insured's physical condition. In health notification, the insured should follow the principle of "answer questions and no questions", otherwise it will have an impact on subsequent claims.
Generally, there are two results after health notification. Either it passes smoothly or fails. You need to proceed to the next step of underwriting . Underwriting can be divided into two types: manual underwriting and intelligent underwriting . Senior sister suggests that everyone choose insurance with smart underwriting, so that even if the underwriting fails, no record will be left.
If the insured successfully passes health notification or underwriting, the next step is to fill in your personal information truthfully as prompts, and after confirming that it is correct, you can transfer the money and transfer the money. Then the insurance company will deliver the contract (usually an electronic contract document online).
3. After insured,
After the policyholder obtains the insurance policy, we should carefully check the contract information and read the contract terms. As long as it is consistent with our expectations, there will be basically no problem.
After understanding the insurance process of commercial insurance, we still have to know which commercial insurance is worth insured.
2. What types of commercial insurance are good to buy?
There are many commercial insurances on the market, including both protection insurance and financial insurance. Senior sister suggests that everyone buy insurance first, and then go to insurance and financial management after having spare money. After all, the body is the capital of the revolution!
protection insurance includes: critical illness insurance, medical insurance, , accident insurance, and life insurance. These four types of insurance are worthy of insurance that we purchase first. critical illness insurance and medical insurance can both transfer the risk of economic losses caused by severe illness. Accident insurance can help us reduce financial losses caused by accident risks. Life insurance will reduce the collapse of the entire family due to the death of the family's economic pillar.
3. How to buy commercial insurance to be cost-effective?
As mentioned above, there are many types of commercial insurance, and different commercial insurances are suitable for people with different needs to take out insurance. Which insurance is suitable for everyone needs to be analyzed in detail.
If the insured needs critical illness protection, you can give priority to purchasing critical illness insurance. If it requires death protection, you can purchase life insurance.
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