129770904121250000_58"3Often difficult to retrieve, in front of the consumer, consumers must "open my eyes", it is possible to bypass all kinds of traps, safeguard their rights. Car insurance: knowledge of "literacy" last accord "Kiss" brand, news of the repair costs more than half his own money, not only to owners who sounded the alarm, but also caused a "car insurance" literacy campaign。 In our country, the vehicle insurance can be divided into the strong insurance and commercial insurance, business insurance and car insurance insurance loss insurance, three. Let our virtual scene: imagine small driving Chan Mei and hit a guardrail and injured a Grandpa
tera gold, Chen's car windshield being hit up a big package. Police found to be solely Chen. If his car insurance among car loss insurance, high risk and insuranceAround this time, with these small vehicles, other vehicles, guard rails, and you know, and how much are insurance companies? First of all, car loss insurance can compensate Chen vehicle, is divided into sections and all loss. Secondly, among strong insurance and insurance for one vehicle, repairing guardrail, and to injured you know doctor, strong insurance and indemnity, the shortfall risks to lose by three. Need to be remindedOwners is that the three risks have compensation limit, maximum amount of compensation that the insurer. Maximum limit of indemnity for any one accident of three insurance, generally determined by the insured depending on the vehicle type selected. Part which exceeds the limit, you are required to pay. Is not difficult to see, among the top car loss insurance, risk and insurance only covers the insured's vehicle itself and third party liability, in fact thisIn addition to other insurance options available to owners. And officers liability insurance on the vehicle, theft and rescue, glass breakage
tera power leveling, water loss, and body separately, such as insurance, loss of spontaneous combustion trace. But need to remind the owners are even cover all of the above line, it is not "foolproof". In some cases, the owner may not receive insurance compensation. For example, there areOwners insured has stolen emergency, but if is car within articles is stolen, on does not belonging to claims range, because stolen emergency only bearing preservation car is stolen; and as, Wade loss insurance protection of is vehicles in Wade driving Shi, led to engine water and produced of engine repair fee, but does not including in has stalling of situation Xia
tera gold, owners forced in water in the started engine and caused of loss; also, glass singleIndependence and breakage protection only in the driving of vehicles, this car separate broken glass, if lights, truck mirror glass broken does not fall within the scope of compensation. Life insurance: the key to understanding the Xianzhong was induced by misleading, but is widely criticized by social life insurance, have always been in insurance complaints of "disastrous". The so-called "squandered charming eyes", in the face of all theLife insurance, insurance experts remind: buying life insurance, what type is the key. According to the insurance, life insurance is divided into life insurance, annuities, health insurance, accident insurance. Which life insurance is divided into Term life insurance, whole life insurance, endowment insurance, and so on. Classification according to the type, life insurance is divided into ordinary, participating, universal, investment links. Bonus insurance, universalInsurance, investment and even insurance are collectively referred to as life insurance new product, this new product in traditional life insurance "protection" has increased to varying degrees on the basis of "investment" features. So, exactly which one for you? First look at personal risk characteristics and functions of various types of insurance. "Life insurance" refers to the person whose life is insured standard life insurance. Term life insurance andLife insurance, is the commitment of "death" responsibility, insurance companies based on the fact of death of the insured to pay insurance money; endowment insurance take on "life and death" dual responsibility, that is, death during the insurance period of the insured, or meet contractual time live, insurance companies have to pay insurance money. Second, "annuities" refers to the condition of survival for the payment of the insured on the insurance,Interval of time and at the agreed payment life insurance life insurance in stages. As usual common's "old gold insurance" for the purposes of pension insurance is based on the old-age security, saving idle funds to pay the premium when I was young, reached on schedule after the contractual retirement age to receive benefits, the economic protection for old age. Again, health insurance refers to due to health reasonsLosses for the insurance conditions of paying life insurance. Common health insurance include: health insurance, health insurance, disability income insurance, nursing care insurance, etc. This type of insurance can be in the form of home insurance or additional insurance to cover liability. Finally, the accident insurance insured refers to death, disability due to an accident or other accident insurance contractInsurance conditions of paying life insurance. An array of insurance products on the market, consumers must be established according to the actual situation of scientific protection scheme, not to blindly select. In the establishment of family protection, consumers should be based on realistic economic conditions to develop insurance schemes. Medical insurance: claims not to difficult medical insurance other than insurance often have multiple timesCharacteristics of pay, so in the subject of insurance claims, medical insurance are more likely to be mentioned. Insurance experts said the health insurance coverage and insurance requirements of certain characteristics, as long as the insured in the insurance process can do it truthfully informed, see the terms, you need to buy, so once the accident, actual claims of medical insurance is not difficult. For the insured, medical insuranceInsurance, truthfully informed age, State of health and to the insurance company information such as past medical history is very important. Because this information will impact the insurance company's underwriting decisions and the level of premiums. Medicare claim rejection is one of the typical reasons for the insured, the insured did not do during the obligation to be insured. In addition, we often see some customers receive an insurance company"Claim rejection notice" when saying: "I don't know that this disease is not within the coverage", "I wonder if this is with the amount". An important way to avoid such claims is expected to drop, that is when the insured read the terms carefully. Insurance experts remind consumers that buying medical insurance products besides and other forms of insurance to attention outside the scope of the product, andPay special attention in terms of the time and on the amount of medical insurance, because these and accident claims will have a very important relationship. For example, the "interval time in hospital" is a claim of a common misunderstanding. Some chronic diseases may cause customer hospitalized more than once in a year, usually if the customer causes intermittent hospitalization for the same interval of time not exceeding 90 days, will be treated as the samePaying a hospital and a hospital accident insurance, and to the extent of the amount. And to the insured's survival as the subject of life insurance products, health insurance is a way to economic compensation for medical expenses, compensation is not necessarily to buy more get more. Would like to remind the consumers, to identify the nature of commercial medical insurance is purchased by the fixed payment, cost is also a motion tweenClaims in nature. For fixed paid of medical insurance, insurance company by conventions paid insurance, as "hospital allowance", if insured more copies, is can multiple lost pay; and costs compensation class of medical insurance products, reflected of is insurance of "maximum compensation principles", cannot Trojan or multiple lost pay, customer as has in third party (as healthcare, and other insurance company,) get of compensation amount, is neededTo claim deductions.
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