What should I pay attention to when buying health insurance? Experts pointed out that there are six main links to keep in mind.
The economic pillar of each family carries a family's income source, so the health of this member is related to the future economic situation of the whole family. Therefore, when providing insurance, priority will be given to the economic pillars in the family. Experts said that consumers should also pay attention to the following five links when purchasing commercial health insurance.
1, see the terms of the contract. This is a very important point to declare. Many consumers are not careful at this point, which leads to claims disputes when they are out of danger and suffers losses. For the terms of the product contract, we need to pay special attention to which ones are guaranteed, which ones are not, what are the terms of payment and so on. These places are the core, and it is very important to know clearly before insurance.
2. Fill in the insurance policy truthfully. Many people think that they can get compensation from the insurance company regardless of their existing diseases, but in fact, it is not only illegal to do so, but the insurance company also has the right to refuse to pay compensation and terminate the contract relationship. Therefore, the insured must truthfully inform the insurance company of his physical condition before insurance. Which insurance company is stronger? I just sorted out the relevant content, hoping to help you: the latest list! Top Ten Insurance Companies in China
3. Define the policy value. Many life insurances have cash value. Simply put, the insured can realize the policy when necessary, but the cash value has its own situation, which must be clearly understood.
4. Don't ask someone to sign for you. If you buy insurance, you must sign it yourself. If you find someone else to sign it, it will probably lead to the invalidation of this policy and affect the effectiveness of the contract.
5. Know the right to hesitate. Insurance products have their own hesitation period, that is, they can get back the premiums they have paid if they surrender during the hesitation period. However, there will be some losses after the hesitation period, and consumers need to consider it in advance. So if you buy the wrong insurance, do you want to surrender it? If you surrender, why don't you lose money? Can I return the wrong insurance? How much can I refund if I surrender? How to surrender in full?
6. Be prepared for the physical examination at any time. Under normal circumstances, most health insurance on the market does not require physical examination. However, those who are over-insured, over-aged and in poor health will be required to have a physical examination, so they may be underwritten after assessment, or they may be underwritten or refused. I just sorted out the relevant contents about buying insurance for physical examination, hoping to help you: Do you need a physical examination before buying insurance?
To sum up, consumers must consider all aspects clearly when purchasing commercial health insurance, and plan their most needed demand protection reasonably.