The business of insurance companies can be divided into two categories: 1, and personal insurance business, including life insurance, health insurance, accident insurance and other insurance businesses. 2. Property insurance business, including property loss insurance, liability insurance, credit insurance, guarantee insurance and other insurance business. Insurance companies in China are generally not allowed to operate life insurance business and property insurance business at the same time.
An insurance company is an insurer in the form of company organization, which deals in insurance business. The insurer in the insurance relationship has the right to collect insurance premiums and establish insurance premium funds. At the same time, in the event of an insured accident, it is obliged to compensate the insured for economic losses.
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Precautions for purchase:
1. Read the terms of the insurance policy carefully again to make sure you can understand it. Pay attention to check whether the insurance contract received is complete. In addition to the insurance policy, it usually includes insurance clauses, cash value table, customer protection table, payment voucher, rate table and other documents.
2. Keep the insurance policy properly: put the insurance policy in a safe and reliable place and write down the company name, insurance type name, policy number and insurance amount. If it is lost or damaged, you can apply for loss reporting and replacement. The insurance policy is the main proof that you buy life insurance. Insurance policies must be submitted when claiming compensation from life insurance companies and applying for changing contract contents or other services.
3. notify the insurance beneficiary.
4. Pay the renewal premium on time.
5. Abide by the notification obligation: after an insurance accident or change of address, the life insurance company shall be notified in time.
6. Don't surrender easily: If you encounter difficulties in paying midway, you can give priority to other methods.
7. Check the insurance policy regularly: according to your insurance demand, payment ability and inflation, check regularly whether the purchased life insurance products still meet the current demand, and consider increasing or decreasing the insured amount if necessary.
8. Understand the complaint channels: If you are dissatisfied, you can complain to life insurance companies, insurance industry associations and CIRC as appropriate.
China Pacific Insurance Official Website-Customer Service
Ping An Insurance official website-Customer Service
Baidu encyclopedia-insurance company