Safeguard inspection refers to Ping An Insurance account manager helping customers sort out all policies to see whether the existing safeguards of customers are comprehensive and sufficient. If it is not comprehensive, sufficient or lacking, it is necessary to advise customers to plan in time and formulate the most suitable insurance plan for customers in combination with their reality. Policy inspection is also a measure to prevent risks, so as to find and fill gaps as soon as possible and make customers' protection more comprehensive.
After receiving the insurance contract and policy, the customer should check the invoice and contract terms, especially the insurance liability and liability exemption. See if it is consistent with what you saw before and what the agent described. Carefully check the copy of the application form and the contents of the policy, mainly including the names of the insured and the insured, ID number, health notification column, etc.
Extended data:
Insurable interest
Insurable interest refers to the legally recognized interest of the insured in the subject matter insured. Usually, the insured will suffer economic losses due to the damage or loss of the subject matter insured and gain benefits due to the preservation of the subject matter insured.
Insurable interest can only be established if it is legally recognized, economically determined and unpredictable. Generally speaking, the insurable interest of property insurance exists when the insured accident occurs, and then the loss can be compensated; The insurance interest of life insurance must exist when the insurance contract is concluded to prevent moral hazard.
Taking life insurance as an example, the insured has unlimited insurable rights and interests for himself and his spouse. In some countries and regions, if the insured and the insured are related by blood, they can also constitute insurable rights and interests. In addition, creditors also have insurable rights and interests to debtors who have not paid off their loans.
The conditions for its establishment are: the insurable interest must be legal, of economic value, certain and interested.
References:
Baidu encyclopedia-insurance
References:
China Ping 'an Insurance (Group) Co., Ltd.