Find a customer to buy insurance, he may not be willing to buy, may have bought insurance. Besides, customers willing to buy insurance is not to talk about once to sign a single, 10 trips 8 trips is normal, sometimes for a single, but also to wait a year or two.
Not sell you an insurance policy, and then no longer take care of you, regular visits, visits are required to the cost of transportation, telephone and other costs. These costs will not be reimbursed by the insurance company.
Insurance commissions are not all the same, some are so low that it's hard to even keep up with an agent's day-to-day expenses.
As my friend upstairs talked about, foreign commissions are even higher than premiums. Insurance, insurance, just by selling will never work! Rely on the service. Only good service, insurance can do well. Do a good job, in order to earn money.
: If the unit dispatched abroad, there will generally be employer liability insurance and personal accident insurance. You can also insure yourself against accidental injury abroad.
The premiums for overseas personal accident insurance are slightly more expensive than those for domestic accident insurance, and there are different rates for different countries and occupations, usually ranging from a few hundred to a thousand dollars for a one-year period.
If conditions permit, it is recommended that you consider adding to your accident insurance coverage for disability and death, coverage that includes emergency medical treatment and medical expenses, medical evacuation, dental outpatient expenses, arrangements for relatives to visit you, and emergency search and rescue.
Auxiliary equipment costs, including emergency medical assistance coverage, but the premium will increase accordingly.
Additionally when taking out an insurance policy, be sure to make detailed inquiries about insurance products based on the country you are visiting.
For example, in some countries where riots and civil wars are taking place, insurance companies are likely to exclude coverage or raise premiums; countries with overseas emergency assistance are easier to insure and have a wider range of options.
Social insurance and commercial insurance are the same:
Financial compensation. Commercial insurance is a supplement to social insurance for those who can afford it, while social insurance is a measure to meet the basic living requirements of citizens, stabilize the society and protect their basic rights.
Business and labor have different points are:
1, self-paid medicine part:
For example, self-paid medicine, as we all know, first of all, the basic social health insurance has a lot of self-paid medicine can not be reimbursed, but most of the self-financed drugs are from foreign countries, self-treatment effect is very good, but at this time, the commercial medical insurance can be solved.
2, claims ceiling:
Secondly, the basic social health insurance has a reimbursement ceiling, but the commercial health insurance does not have this problem, how much to buy the amount of coverage can be reimbursed how much.
3, reimbursement purposes:
Lastly, in the case of commercial catastrophic illness insurance, for example, if you have taken out a catastrophic illness insurance policy and have not used up the entire amount, the remaining amount can be used in other ways, but the basic social health insurance is the actual reimbursement.
When purchasing, pay attention to the following points:
1, pay attention to the content of the coverage
Generally in the selection of overseas business travel insurance, pay attention to include death/disability coverage, accidental medical coverage, overseas medical/remains repatriation, and personal liability. You can also choose whether to supplement the coverage for delayed or altered aircraft/fulfillment, lost documents, lost belongings, kidnapping or unlawful detention according to the state of law and order of the place where you are traveling on business,
so that you can protect yourself in all aspects.
2, pay attention to the return of remains
In the event of an accidental death abroad, if there is no way to return to the family sick, I believe that relatives and friends will be more hurt, so the return of remains overseas is a very important protection.
3, pay attention to personal liability
It can protect the accidental liability caused by personal, that is, any insured person during the travel period because of its existence of general negligence caused by accidents resulting in third party death, bodily injury, loss or damage to property, and according to the law should be liable to the third party to pay compensation.
When you are unfamiliar with the foreign country, having this protection can make us feel more at ease.
4, pay attention to the length of the coverage
Generally when buying accident insurance, the insured person is free and flexible to choose the interval to be covered. It is recommended to choose to cover the day before departure and the day after return. If the actual trip abroad is 7 days, then purchase 9 days of coverage. This is because it provides more comprehensive coverage for the insured person,
even if there is something unexpected that delays the time spent away, it will not leave the person in a state of non-coverage.
5, pay attention to the emergency rescue function
To ensure that in the event of an accident abroad can be the insurance company's emergency rescue, will not be delayed treatment time.
In short, when buying overseas business travel insurance, we should not only pay attention to whether the content of the coverage is what we need to know, whether the amount of coverage is in line with our expectations, and whether the duration of coverage is longer than the time we are out of the country, but also pay attention to whether the insurance company's rescue is timely and in place.
This is the only way to find reliable travel insurance that will protect your personal safety and your family's safety.