Many people throw the insurance policy aside after buying insurance. When they encounter danger, they remember it, but find that they cannot make a claim.
Some people even changed their mobile phone numbers, filled in the information incorrectly, and didn’t have money to pay the premium, and didn’t know what to do?
. These problems are actually easy to solve, just do a good job of "insurance policy protection".
Today, my dad will tell you about insurance policy protection:
01
What is insurance policy protection?
policy insurance is the various humanized after-sales services provided by the insurance company after the insurance takes effect to meet the changing needs of customers and maintain the continuous effectiveness of the policy.
After many people purchase insurance, many factors such as changes in their physical condition and economic conditions will change their insurance intentions, or change the content of the insurance policy due to objective needs.
At this time, the "policy protection" service is needed.
Just like when we shop online, if we fill in the wrong mobile phone number and address, we need to contact the seller to modify our personal information.
If you do not want the policy to expire or lose insurance, then you must contact the insurance company in time when your own situation changes.
02
When do I need to do policy protection?
According to the elements of the insurance contract, insurance can be divided into the following categories:
(guarantee service items)
If you encounter these situations, you need to apply for insurance policy insurance services. Daddy takes several of them as an example:
1, and refund
Some friends have purchased a product that is not cost-effective or not suitable for them for various reasons. After
, I found that there were better products and wanted to refund the old insurance policy and stop the loss in time.
daddy suggests it is best to cancel the insurance policy during the hesitation period to reduce your own losses .
If the hesitation period has passed, the dad recommends that you should think clearly and calculate clearly based on your own situation, make follow-up plans, and avoid the "window period" before you cancel the insurance.
2. Modify personal information
When taking out insurance, you need to leave the contact information and personal information of the insured and the insured.
Such as: phone number, mailing address, ID card, bank account number, etc.
Once this information changes, policyholders and insured persons can change through salespersons or contact the insurance company on their own.
Timely information changes can effectively prevent mail invoices, failure to transfer and deductions.
3, supplementary notification
Due to the rapid development of the Internet, the insurance steps are becoming more convenient and intelligent today.
You can easily purchase a suitable insurance for yourself and your family on platforms such as Alipay and WeChat. The advantage of supplementary notification of
is that the insured can explain the reasons to the insurance company after taking out the insurance, and require secondary underwriting . After
, you can consider whether you are suitable for this insurance again. If it is not suitable, you can stop the loss in time so that you will not be in vain.
4. Change of beneficiary
First of all, it is necessary to be clear that the insured person of the policy is not allowed to change.
The risk to be covered by this policy is mainly aimed at the insured. The underwriting review conducted when purchasing insurance is also considered based on the insured's physical condition, and the premium is also paid according to the insured's age and gender.
Although both the insured and beneficiaries in the insurance policy can be changed, the premise is that requires the consent of the insured .
5, renewal and re-effect
renewal means that when you forget to pay the premium, you can pay within the grace period, and the insurance policy will continue to take effect.
If an insurance accident occurs within the grace period, the insurance company needs to bear the insurance liability.
For example, the current popular product Super Mary No. 6 has a 60-day grace period. Customers only need to pay the premium within 60 days, and the contract will continue to take effect.
(Super Mary No. 6 grace term clause)
and re-effect refers to the insurance temporarily expiration when you have not paid the above grace period.
If insurance occurs during the expiration period, the insurance company will not bear insurance liability.
It is worth noting that the policy will have a chance to be re-effect within two years of termination, but you need to contact the insurance company for a second underwriting physical examination.
6, insurance contract reissue
Now many online insurance policies take the form of electronic contracts.
Customers can download the electronic contract by themselves after insured for easy access. They have the same legal effect as the paper contract sent by the insurance company.
At the same time, some long-term insurance, such as critical illness insurance, can send us paper contracts.
If the paper contract is lost during the protection period, can apply to the insurance company for a contract reissue .
7, policy pledge loan
Nowadays, many insurance products have policy pledge loan functions, and the approval and loan approval speed is very fast, and the loan interest rate is not high.
's principle is that mortgages the insurance policy to the insurance company and then borrows money from the insurance company.
The specific amount of money can be borrowed must be referred to the cash value of the insurance policy when applying for the loan. Generally, you can borrow about 80% of the cash value of the insurance policy.
Another benefit of a policy mortgage loan is that the policy remains valid after borrowing money from the insurance company.
Even if there is a risk, the insurance company needs to pay additional compensation for deducting the loan amount.
8, financial insurance protection
In addition to these conventional insurance services, there are also some insurance policies unique to financial insurance policies,
, such as , additional insurance, reduction insurance , etc.
Take a certain pension annuity insurance as an example:
In addition to some conventional protection projects, this product also supports additional insurance, reduction of insurance, reduction of payment and other rights and interests .
plus insurance . is the function of adding premiums after insured.
If there is not much money on hand at present, you can take the pit first and then add premiums after the funds are sufficient in the later stage.
Reduced insurance , is a function that can be flexibly collected.
applies to reduce the insured amount and withdraw part of the cash value. The remaining cash value continues to grow compound interest according to the contract agreement.
Because of these rights, the policy is more flexible and can plan funds more freely.
03
How to apply for insurance policy insurance
If you need to apply for insurance policy insurance service, you can handle it through the following methods:
1. The customer directly applies for processing
2. The customer entrusts others such as salesmen, etc. to the insurance company service outlet to apply for processing
3. The customer applies through a letter. This type of application is currently limited to the company-approved preservation projects such as changes in mailing address or address, termination of contracts, etc., such as company-approved protection projects, such as
4, online application and operation. is now increasingly supporting this approach.
For example, Ping An Insurance has launched online modification of mobile phone numbers, bank accounts and other services.
It is worth noting that, generally speaking, once the policy insurance is accepted, there is no way to revoke and lift it.
If it needs to be revoked and lifted, it needs to be completed before the preservation is carried out, or a new preservation application is submitted again.
04
Daddy Summary
Insurance policy protection not only enables insurance companies to better fulfill their responsibilities to consumers, but also maintains the accuracy and effectiveness of the contract.
However, dad needs to remind everyone here:
Although policy protection provides us with convenience, if it involves cancellation, replacement of policyholders, and beneficiaries, it still needs to be carefully considered.
dad insurance, making insurance simpler
