Most insurance companies existence of pressure in the short term accident insurance policy

"On the policy, there are countermeasures." Hang Yixian especially in the market.

"Now we do the short-term moratorium on the sale of the Hang Yixian, so you can not provide these services." When a reporter at the Great Wall Life Support phones, so customer service representatives told reporters. At the same time, she also said: "when to resume sales of the product is still no definite answer."

According to reporter has learned that the short-term accident insurance products and the China Insurance Regulatory Commission recently to the sale of insurance products on the market rectification. According to a senior insurance industry, the current size of the insurance companies have pressure short-term accident insurance policies phenomenon, agents or outlets will be part of the policy in order to gain entry to the insurance company is not the system. The great efforts to rectify the China Insurance Regulatory Commission, has led to short-term accident insurance market norms lot.

Driver left to the interests of the insured risk

April 2007, the China Insurance Regulatory Commission had Hang Yixian sales market for the various diseases such as the introduction of the premium income to the full, timely and accurate accounting; fee expenditures must be promptly and accurately recorded, such as "insurance companies standardize aviation accident insurance The five criteria ".

"In fact, the crash of the small probability of more, ah, one of the 20 Hang Yixian money, if the bodies are packaged for sale, you see is a collective insurance alone, and not the real-name system." One insurance industry, told reporters . This is the short-term insurance corporation accident insurance policies of the so-called Maoni. Even if there's an accident, can also related to the operation of a reasonable settlement. "But now more and more difficult for the operation." The person said.

Hang Yixian, and short-term travel accident insurance companies in the insurance business may not account for an important position, but the clerk there have been welcome.

Dr. Wong is a state-owned assets, a senior insurance company clerk, several large travel agencies are her old customers. She always will be a lot of policies on these travel agencies, once a month to end accounts. A travel agency sales staff Mr. Cui told reporters: "In fact, many times, our customers are already starting, but they may not return receipt of insurance companies to be in our hands. Therefore, their insurance is not really recognized. "

Then, there will be no sales pressure will only fail to report the situation? » "It depends on the situation, we do not need to point interest to take the risk, but the insurance company clerk side of the operation is how we do not know." Mr. Cui told reporters.

And do the same travel product sales of Miss Chen told reporters that she has a collection of a client's premiums to the insurance company's failure to make timely, then the delegation list of all the insurance companies to insurance business manager of the corporation. Later, because of company closures, the money will nothing. "In fact, they are not every entry will be a premium to the company's system."

Miss Chen, told reporters: "According to our insurance customer manager will be the guests of the age and location trips, the weather was selectively hide some of the insured or the insured list."

Peacetime accident more attention should be

Insurance policies will be no unexpected crowd called "Luoben crowd," then accident insurance policy is not better? » Reporter visited a number of insurance companies that this is not the case. This is because apart from the death of the insured amount, such as medical expenses are not repeated claims.

"Accident insurance coverage, you should be 10 times the income, if the insured in the family played the role of the breadwinner, even should take into account the role of its pillars, the corresponding increase the amount, if families have a common loan, Such as mortgage, the amount will be owed by the total amount of bank loans, so even if the insured have any accidents, because the family does not have to repay bank loans and to show to the auction house. "Allies an insurance agent People told reporters.

"In fact, the deductibles are also consumers and policy holders to buy accident Xianyao a reference standard." Sino-Italian Life Yang Jingli this remind you.

This reporter has learned that the insurance companies in order to avoid the risk of moral hazard insured, to prevent people from abusing the medical expenses, would normally require each 100 yuan or 200 yuan a deductible, only 100 yuan or 200 yuan more than the cost of claims only in proportion.

And a number of companies in order to reflect the spirit of humanity and increase customer satisfaction, the implementation of the "no-deductible, 100 percent reimbursement" of the claims system. At present, Sino-Italian life of worry-free music personal accident injury insurance, Lok accident insurance for children and young people grow up, in the Life of "The Joy Luck to" personal accident insurance, and China Life Insurance personal accident insurance are not deductible of accident insurance products .

State owned insurance products cheaper in foreign investment

State owned insurance companies to price products cheaper in the market, a significant advantage, but the people may have claims all know that if insurance companies more efficient claims will greatly enhance the company's policyholders recognition.

To travel to the European countries, the Schengen visa applications must be purchased outside the emergency function with the outside travel insurance, the insured amount to at least 30,000 euros to get a visa through.

For example, to the European countries, the travel time for 90 days, it was the accident-the death of 100,000 yuan and foreign emergency relief to 750,000 yuan, the premiums of foreign insurance companies in about 1,200 yuan, while insurance companies in the country-400 -600 Per month. Its rate gap will still be many people decide whether to buy a criteria for judging.

Even if the injury is the general insurance products of insurance companies than foreign funding of about 20 percent cheaper, such as: the death benefit accidents 100,000; accident-out-patient and hospitalization was 10,000, no deductible, 100% reimbursement; accident Disability levels by 10% -100% payment, the maximum 100,000.

China Life Insurance premiums for 280 yuan / year, and the Sino-Italian Life for 343 yuan / year, but Italy Life is a 6 per cent of the annual renewal incentives and the death of 3,000 yuan pension. "Comparison is a price, but is more suitable for him or not we need to consider." China Life! Told reporters.

Financial management division Zhenxiao: The United States Association of millions of round table (MDRT) for members of the Beijing branch of China Life Insurance Company, senior business manager

Proposed purchase of a one-year comprehensive accident insurance

Accidental injury refers to the so-called external, unexpected, unintended, non-disease bodily harm to the objective events. One accident insurance-accident injuries and two types of medical accidents, accidental injury is a result of accidents caused by the death and disability, such as: the transport of accidents, including the use of aircraft, trains, ships, and so on. Medical injury is a result of accidents arising out-patient clinics, hospital and surgical expenses reimbursed, as in the work and life in accidents, including burns burns, fractures, etc. sprain.

At present the choice of accident insurance is also a lot of ways, for example, in check before the purchase of Hang Yixian, tourism can be purchased at the short-term travel insurance, it costs very low, the yuan to several tens of dollars, so for those who often go out of People speaking several times to buy, 2001 Total cost is not down low.

Proposed purchase of a one-year consumer-oriented comprehensive accident insurance, an annual 100 to several hundred dollars, so the death of both the accident and disability protection have medical insurance, insurance contracts may also be family preservation, in case of accidents do not have to worry about not Claims. Since the accident can not predict, so for those who rarely go out to the crowd, is also a need to protect the accident. In the purchase of such insurance, the insurance should choose the formal institutions, to understand the insurance provisions of the specific responsibilities, to seek insurance contracts and invoices, each person according to their own economic strength, the combination of their own security needs, customized insurance professionals Programme, will be the most suitable for their own accident insurance has.