Separate underwriting in general, is that you can ignore the amount of products previously purchased in the insurance company, and a separate underwriting.
For example, if you have purchased a 300,000 coverage Critical Illness Insurance from this company, and according to your age and the insurance company's regulations, 500,000 Critical Illness Insurance requires a medical examination, and you want to purchase 300,000 coverage Critical Illness Insurance, you need to go to the medical examination, and the insurance company in order to hit the market, the introduction of a separately underwritten Critical Illness Insurance, then you can ignore the 300,000 coverage Critical Illness Insurance, and re-instate the insurance policy, you can ignore the 300,000 coverage Critical Illness Insurance. The first thing you need to do is to get a new policy, and then you can buy a new policy that covers 30 million dollars.
Question 2: What is property insurance underwriting Hello!
Insurance underwriting is the process by which an insurer reviews an application for coverage and decides whether or not to accept the risk for coverage.
Question 3: The insurance company first charge premiums and then underwriting, legal Legal, because the underwriting through the direct underwriting, different from the past on the return of premiums.
If the first underwriting, underwriting passed after you pay the fee, then the insurance company's underwriting costs need to be digested through other, the operating costs of the insurance company control is not strong
Question 4: insurance underwriting salary quotes In general, companies require underwriters to have a background of 2-4 years of practice in the relevant field, so in all types of enterprises, the salary is proportional to the time of practice. The salary is directly proportional to the time spent in the field. The general monthly salary range is 3,000-7,000 RMB. From the city statistics, measured by bachelor's degree, the industry salary path in Shanghai is the most favorable, and the average monthly salary can reach about 6,000-7,000 RMB; followed by Beijing, with not much difference between the two places. In terms of benefits, the training opportunities available to underwriters are quite high, especially in Shenzhen, where 77% of practitioners enjoy training programs, and the average training cost also reaches RMB 375, which is already considerable compared to training costs for other positions in the same industry.
Question 5: What is meant by group insurance and what is meant by individual insurance 1. The object of risk selection is different.
The insurer of group insurance in the underwriting of the object of choice is the group. The insured group must be a legal organization established by law, such as various enterprises, state organs, institutions and so on. The ratio of the number of participants in the group to the total number of participants in the group must reach the ratio specified by the insurer. Generally, it is stipulated that if the group pays for all insurance premiums, all eligible persons must be enrolled, and if the group pays for the premiums together with individuals***, the number of insured persons must be at least 75% of the eligible persons. Additionally, groups of fewer than 10 people may not be eligible for group insurance.
An individual insurance policy is written by an insurer that selects individuals. Therefore, the focus of the selection process is to examine the age, gender, occupation, health, medical history, place of residence and financial status of the insured.
2, underwriting is different.
The insured of the group insurance does not need medical examination. After the selection of the insured group, you can ensure that the mortality rate of the insured group is in line with the normal level, and there is no need for medical examination for individual specific insured persons. This is convenient for the insured and saves costs.
Individual insureds are required to have a medical examination and a medical report issued by a medical organization under certain circumstances to assist the insurer in making an underwriting decision. For example, a medical examination is required when the sum insured exceeds a certain limit.
3. The rates are different.
Group insurance has low premiums. Due to the simplification of the insurance procedures of group insurance, a lot of costs are saved, which reduces the additional premium, the gross premium is naturally lower. Moreover, the mortality rate of group insurance is relatively stable, which is basically the same as or even lower than the mortality rate of individual insurance, and also makes the rate of group insurance lower than the rate of individual insurance. This is only for the same risk group, where the average rate is lower due to lower surcharges. Of course, rates vary by size, and the larger the group, the greater the bargaining power and the more favorable the rates can be.
4. Different pricing methods.
Group insurance is for the group to set the insurance rate, the mortality rate of the group with the group of people with the nature of the work of the different, therefore, the different direction of the category of groups apply to different rates. The rates are not only related to the nature of the work, but also to the past claims of the group. Therefore, there is generally no agreed rate schedule for group insurance, and rates are priced individually for different groups.
Individual insurance pricing is generally based on a standardized life table or disease incidence table, and is priced uniformly for all standards. Individual insurance is generally based on a flat rate table.
5. Policies are different.
Group insurance uses a group policy. Group insurance in the name of the collective insurance, the policyholder is the organization, the use of the insurance policy for the group insurance policy, that is, a total insurance policy. In the group insurance policy to specify the policyholder and the insurer's rights and obligations of the relationship between the policyholder and the insurer, and its changes and other contractual acts between the policyholder and the insurer. Usually, the insured's benefit payments are made through the policyholder or a specialized account, not directly to the individual insured.
Individual policy is a single policyholder and insurer to enter into an insurance contract, clear rights and obligations.
6, insurance plans have different flexibility.
The group insurance policyholder is a group of units, the policy uses a group policy, the premium is paid uniformly, therefore, the insurer for the group insurance gives a certain degree of flexibility. In terms of the insured, the insured can be a certain individual, but also an uncertain individual under the agreed conditions; in terms of the payment of insurance benefits, it can be a fixed amount of payment, but also according to the insured different non-fixed amount of payment; insurance terms, the policyholder can be on the design of the policy terms and conditions and the formulation of the content of the insurance policy and the insurer to carry out consultations.
Individual insurance policies are based on standard terms and conditions and are not the result of free negotiation between the policyholder and the insurer; in general, the policyholder can neither draw up the content of the policy nor modify the content defined in the policy.
Question 6: The insurance period is one year and the guaranteed renewal period is five years. How to understand? I am the insurance company's claims staff, I generally explain to you, of course, the insurance terms are more complex, the details of which you have to consult the insurance terms, or ask your insurance agent to explain to you, or directly to the insurance company counter to ask for an explanation, you can also call the insurance company's national unified customer service telephone number to ask for an explanation.
1. Generally speaking, the main insurance is long-term insurance, and the additional insurance is short-term insurance.
2. Generally speaking, the additional insurance is a one-year insurance. When one year, the insurance company can re-underwrite, if the insured's health condition is not good (such as high blood pressure or blood sugar), the insurance company can not renew the policy for the second year, or ask for an increase in premiums in order to underwrite, or for certain diseases (such as hypertension or diabetes, and its complications and after-effects) excluded from agreeing to underwrite.
3. If the guaranteed renewal period agreed in the insurance contract is five years, that is to say, although the rider is a one-year policy, after the expiration of one year, as long as you pay the premiums on time to renew the policy, the insurance company can not refuse to insure you for the reasons cited in the example in Article 2, the insurance company must continue to underwrite the policy. The insurer must continue to cover you until the end of the five guaranteed renewal periods (i.e. from year 6 onwards) and then the insurer can re-underwrite the policy for the reasons given in clause 2 above.
3. Of course, this five-year guaranteed renewal is not unconditional, it just means that it will not be re-underwritten for the reason of your increased risk. But for some of the reasons agreed in the terms, the insurance company can still refuse to insure. To give a few examples: First, age reasons. Generally, additional medical insurance has a maximum renewal age (say 65 years old), although you are still in the 5-year renewal period, but you are over 65 years old, then the insurance company is not insured. Secondly, the main insurance payment period reason. For example, if you buy a main insurance policy with a premium payment period of 3 years, you will not be able to pay the premium for this additional medical insurance policy from the 4th year onwards, so naturally you will not be able to renew the policy. Then there is the reason for the validity of the main insurance policy. For example, if you surrendered your primary insurance policy or if the primary insurance policy was terminated because of a claim, then the additional medical insurance policy will not be renewed.
Question 7: What are the contents and considerations of cargo transportation insurance underwriting? (The more detailed the better There is a heavy reward) Decision on amending the "road cargo transportation and station management regulations"
Ministry of Transport Order No. 3 of 2009
Issued: 2009-4-20 Issuing Department: Ministry of Transport
"on amending the "road cargo transportation and station management regulations" decision" has been adopted by the fourth meeting of the Ministry of Transport on April 13, 2009, is hereby promulgated. The Decision on Amending the Regulations on Road Cargo Transportation and Station Management was adopted at the 4th Ministerial Meeting on April 13, 2009, and is hereby promulgated and shall come into force on the date of promulgation.
Minister Li Shenglin
April 20, 2009
Decision on Amending the Provisions on Road Cargo Transportation and Station Management
The Ministry of Transportation (MOT) has decided to amend the Provisions on Road Cargo Transportation and Station Management (MOT Decree No. 9 of 2008) as follows:
Deletion of Article 42, Article 75, and Article 8 of the Regulations. .
In addition, the order of the articles is adjusted accordingly.
This decision shall come into force on the date of publication.
The Provisions on Road Cargo Transportation and Station Management are amended accordingly and reissued.
Provisions on Road Cargo Transportation and Station Management
(issued by the Ministry of Transportation on June 16, 2005, according to the Ministry of Transportation on July 23, 2008 "on the revision of the" Road Cargo Transportation and Station Management Provisions "the first amendment to the" decision, according to the Ministry of Transportation on April 20, 2009 "on the revision of" Road Cargo Transportation and Station Management Provisions "second amendment)
This decision shall come into force on the date of promulgation.
Chapter I General Provisions
Article 1 In order to regulate the road cargo transportation and road cargo transportation station (yard) business activities, to maintain the market order of road cargo transportation, to ensure the safety of road cargo transportation, to protect the road cargo transportation and road cargo transportation station (yard) the legitimate rights and interests of all parties involved, according to the "Chinese People's Republic of China and the State Road Transportation Ordinance" and the relevant laws, administrative regulations, and the provisions of the relevant laws and administrative regulations. According to the "Chinese People's *** and the State Road Transportation Regulations" and the relevant laws and administrative regulations, the formulation of the provisions of this regulation.
Article 2 engaged in the operation of road freight transport and road freight transport station (yard), shall comply with these provisions.
The provisions of the road transportation of goods referred to in this business, refers to the provision of public **** services for the community, with the commercial nature of the road transportation of goods activities. Road transport of goods, including road freight, road transportation of goods, road transportation of large objects and road transportation of dangerous goods.
The provisions of the road transportation of goods referred to as special, refers to the use of containers, refrigerated fresh equipment, tank containers and other special vehicles for the transportation of goods.
The provisions of the road freight transport station (yard) (hereinafter referred to as "freight station"), refers to the site facilities as the basis for the community to provide paid services with warehousing, storage, distribution, information services, loading and unloading, cargo handling, and other functions of the integrated freight station (yard), LTL freight station, container transfer stations, logistics centers, and other business premises. And other places of operation.
Article 3 road freight transportation and freight station operators shall operate in accordance with the law, honesty and credit, fair competition.
Road cargo transportation management should be fair, just, open and convenient.
Article IV encourages the implementation of road freight transport intensification, network operation. Encourage the use of containers, closed vans and multi-axle heavy vehicle transportation.
Article V Ministry of Transportation in charge of national road freight transport and freight station management.
Local people above the county level *** department in charge of transport is responsible for organizing and leading the administrative region of road freight transport and freight station management.
Above the county level road transport management agencies to implement the administrative region of road freight transport and freight station management.
Chapter II Permit
Article 6 applies to engage in the operation of road freight transport, shall have the following conditions:
(a) with its business operations and qualified by the inspection of transport vehicles:
1. (1) The technical performance of the vehicle should be consistent with the national standard "comprehensive performance requirements and test methods for operating vehicles" (GB18565) requirements;
(2) Vehicle outline dimensions, axle load and load capacity should be consistent with the national standard "road vehicle outline dimensions, axle load and mass limit values" (GB1589) requirements.
2. Other requirements of the vehicle:
(1) engaged in the operation of large objects transport, should have a large objects transported with the appropriate ultra-heavy-duty fleet;
(2) engaged in refrigeration and preservation, tank containers and other specialized transport, should have a transport of goods with the appropriate special containers, equipment, facilities, and fixed to a special vehicle;
(3) engaged in container transport, the vehicle should be in line with national standards "road vehicle outline dimensions, axle load and mass limits" (GB1589). (3) engaged in container transportation, the vehicle should also have a fixed container turn lock device.
(2) have to meet the prescribed conditions of the driver:
1. To obtain and drive the vehicle corresponding to the motor vehicle driver's license;
2. Age of not more than 60 years old;
3. By the municipal road transport management agency of the district on the road transport regulations related to the transportation of goods ...... >>
Question 8: What is the difference between individual health insurance and group health insurance At present, the state has implemented a five insurance system, on the status quo old look, as long as the staff of the regular company have, five insurance or three insurance, this system greatly reduces the pressure on people's lives. However, although the five insurance system has basically reached the coverage of everyone, many people still do not understand the insurance, such as individual health insurance and group health insurance, although the name of the two kinds of insurance is so different, but there are still a lot of people are not clear about the two kinds of insurance in the end what is the difference between the two kinds of insurance, today we will discuss it.
The policyholder, insured and beneficiary of an individual health insurance policy are usually the same person, and the insurer pays the premiums directly to the insured or to the healthcare provider. The main difference between individual health insurance and group health insurance is that the former offers a wide range of choices in terms of the level of coverage. Individual health insurance appeared earlier, after years of development, whether it is the type of business or the scale of premium income in the commercial health insurance market has a certain foundation.
Group health insurance coverage is mainly provided to the members of the insured group (individuals), the insured group and the insurer only need a health insurance policy, the insured group can be all kinds of enterprises, companies, trade unions and various associations. Larger insured groups generally do not need to underwrite each member individually, and the insurance contract is relatively flexible.
In the United States, where commercial health insurance is highly developed, in 1993, individual health insurance claims from various commercial insurance companies amounted to $10.2 billion. According to the latest statistics in 1998, about 150 million people in the United States have commercial health insurance, accounting for about 60% of the total population. In Germany, where social health insurance is predominant, 10 percent of the population still have commercial health insurance, and most of them are insured by individual health insurance. The German Health Insurance Company (DKV) is the largest commercial health insurance company in Germany, and in 1999, DKV's annual premium collection was about 6.8 billion marks, or about 30 billion yuan. In France, to carry out commercial health insurance business of about 80 insurance companies, they pay for medical expenses accounted for 3.4% of the total national medical expenses: in the United Kingdom, Canada and some of the Nordic welfare states, commercial health insurance business and private health insurance organizations also have certain development, especially the development of individual health insurance faster, such as ]993 years, Canada's individual health insurance claims reached $ 3.54 billion.
In Canada, individual health insurance claims amounted to $3.54 billion in 1993.
In the commercial health insurance developed countries and regions. With the development of group health insurance, the number of insured people and the scale of premiums have gradually exceeded that of individual health insurance. For example, in the United States, at present, about 90% of the medical expenses insurance are group form, that is, in the form of group health insurance coverage. The whole group health insurance enrollment and premium income close to 10% of the entire employee benefits program. 1993, 58% of Americans participated in the employee-employer group health insurance plan, by 1998, employers for employee health insurance premiums accounted for about 5.4% of the total income of the employees paid.
The introduction of the above is not on the individual health insurance and group health insurance have a certain understanding of it, understand the timely purchase of a suitable insurance it!
Question nine: buy car insurance policy is a computer audit or manual audit This is the content of the British underwriting audit, the British underwriting technology is the world's most advanced, to give you a reference. Oh The degree of insurance coverage. According to this auto insurance can be divided into statutory three-party liability insurance, statutory three-party liability insurance additional fire and theft insurance, comprehensive package insurance three levels. One of the statutory three-party liability insurance is mandatory under the UK Road Traffic Act, all vehicles traveling on UK roads must be insured except as expressly provided by law, otherwise it constitutes a criminal offense. On top of the mandatory insurance, consumers can attach force mouth specified types of insurance according to their needs, such as theft insurance and fire risk. Comprehensive package insurance offers the widest coverage and correspondingly the highest price. In addition to the coverage of third party insurance plus fire and theft risks, this type of insurance also pays for the loss of the insured, the vehicle he is driving, and the contents of the vehicle in the event of an accident. It should be noted in particular that the insurance company will be responsible for settling the claim even if the loss is entirely the fault of the insured. The compensation includes the repair and replacement cost of the damaged vehicle as well as the medical and other related expenses of the casualty. Owners of cars in good condition usually take out a package insurance policy so that they can get a higher degree of coverage. Usage of the automobile. Accordingly auto insurance can be divided into personal social and domestic use; private use related to work business, company, supervisor and inspector business use, commercial traveler use and driving school use. This division is scientifically differentiated and largely reflects the frequency and opportunity with which the automobile is likely to be used; a purely domestic daily social life car is not comparable to a driving school car in terms of frequency and danger, and this factor is naturally reflected in the premium price. The model of the car. Insurance rates are generally set by insurance companies according to the car's engine displacement and power, acceleration and maximum possible speed, which are categorized into 7-8 classes. This factor reflects the generally more expensive value of larger displacement cars, while also emphasizing the acceleration performance associated with large displacement and the risk of more serious accidents that may result from high speed limits. Driver's factor. This is very important, especially since their age and driving experience is an important component in setting different rate standards for auto insurance. For example, the same new car will pay very different insurance premiums if the driver is of a different age and experience. Generally speaking, a 17-19 year old driver who has been driving an automobile for less than 5 years and is not mature enough to drive, will have insurance rates that are about 30% higher than a middle-aged person who has been driving for more than 5 years. For drivers who have violated the law within five years, such as those who have been convicted of "dangerous driving" by the traffic authorities, the insurance rate is about 20% higher. In addition to this, the number of people driving the vehicle is also an important factor, and policies can be categorized accordingly: single person driving, couple driving, family members of the policyholder, and anyone else. Depending on the increase in the number of people allowed to drive, premiums may have an add-on of 20% and more. Car Driving and Parking Zones. The insurance companies in the UK are divided into different zones, for example, the British Business Alliance Insurance Company is divided into 5-7 zones in the UK according to the density of traffic flow, and the rates in London and densely populated cities and areas are higher than those in other suburbs and countryside areas. Also in London, premiums vary from one area to another, with the so-called high class neighborhoods, with high security, having relatively low premiums, while other areas will have relatively high premiums. Insurance companies often link the area where the car is parked to the area represented by the zip code. Customers only need to provide the zip code of the area where the car is parked and used, and the risk factors represented by the car will automatically be added to the premium calculation. No Claims Offer or No Claims Discount is an underwriting technique followed by UK business insurance companies. For example, Cornhill Insurance Company in the UK provides a 30% discount on premium rates for policyholders who renew their policy at the end of the first year without an accident claim, and up to 60% discount on renewal premiums for four consecutive years without an accident.