No matter what kind of insurance you apply for, you must carefully check the insurance clauses, including coverage, exemption, waiting period, hesitation period, renewal clauses, deductible, occupational restrictions, insurance age and other related contents. If you don't know, you should contact the insurance agent or insurance broker for consultation in time.
Pay attention to telling the truth: it is generally necessary to inform the health situation when handling health insurance. The insured must tell the truth and can't hide it, otherwise it will affect the later settlement.
In addition, the applicant/insured should also actively cooperate with the traceability, "double recording", return visit and other links to fulfill the obligation of telling the truth;
Pay attention to the premium: when buying insurance, you should decide the premium according to the actual economic situation of the family, and it should not have much impact on the existing economy of the family. It is generally suggested that one tenth of the annual household income can be used as the premium budget;
Pay attention to the insured amount: under the premise of sufficient premium budget, the higher the insured amount, the more practical it is. It is generally recommended to use 5- 10 times of the annual household income as the insured amount;
Pay attention to insurance companies: choose insurance companies established after the approval of the CIRC. In addition, you can look at the solvency and other related information in the insurance company official website; It is best not to have a physical examination during the waiting period: if it is not physical discomfort, it is only a physical examination at a fixed time every year, then it is generally recommended not to have a physical examination during the waiting period. Otherwise, if you are in danger during the waiting period, the insurance company will not claim compensation and may even terminate the insurance contract; Check the premium receipt: for example, whether the seal of the insurance company on the receipt is standardized and clear, whether the name and service code of the insurance agent are correct, and whether the payment date is complete; Financial management after insurance: it is recommended to take out insurance, such as critical illness insurance, medical insurance and accident insurance. After the configuration is completed, if the economy is still well off, it will be better to consider taking out financial insurance; Adults before children: If a family is equipped with insurance, it should first provide insurance for adults and then buy insurance for children. After all, adults are the best protection for children;
Some people say that insurance is deceptive, in fact, because TA may not understand the terms and be cheated.
For a person who wants to buy insurance, not knowing the insurance clauses will really bring a lot of trouble. On the one hand, you don't even understand the insurance terms, so you can only believe what the salesman says. If you are unlucky, you will be cheated if you meet a salesman who has no professional ethics. Secondly, I don't know the terms of insurance, and I don't even know what insurance covers. Some things can be claimed, but I don't know what to claim. Some things that are not guaranteed at all need to be settled by insurance companies, and finally cause disputes but can't get money.
There is no doubt that there is no problem with insurance itself, but if you want to add a guarantee to your family, you must understand the insurance terms before buying insurance.
But there is so much in the insurance clause. What do you think? What's the point? Today, I want to show you the insurance clauses. What to insure to buy insurance, don't look at the price first, look at what to insure first, this is the most critical. Otherwise, you may have bought the wrong one, protecting what you don't need, but what you don't need, wasting money. In the insurance clause, in the column of insurance liability, the scope of coverage of this insurance is written. No matter what the salesperson promises, you just need to remember that the insurance company has the right not to pay for what is not in the insurance liability.
Therefore, before buying insurance, you must first look at the insurance liability. What is written in black and white in the insurance liability is the guarantee that you really enjoy.
Good luck.