What should I pay attention to when buying insurance?

1, see insurance clause.

People want to know the contents of insurance accurately before buying insurance, so they have to read the insurance clauses. Insurance clauses are the core content of insurance contracts signed by insurance companies and consumers, which stipulate the rights and obligations contained in an insurance.

2. Look at the insurance liability of the insurance clause.

(1) In addition to compensation and other items, the key content of insurance clauses is insurance liability. Generally speaking, except for insurance liability, other contents of insurance clauses are basically the same, and the difference between various insurances is mainly in insurance liability.

(2) Of course, sometimes it depends on the exclusion liability and the circumstances under which the insurance company can not bear the liability for compensation and payment; Sometimes you need to take a look at some special regulations and precautions of insurance products.

3. Look at the introduction of insurance products

Many people often don't understand insurance clauses, so the most popular way to read written materials is to read the introduction of insurance products. Because the introduction of insurance products may sometimes contain inaccurate expressions of packaged beautification products, it is best to compare them with insurance clauses after understanding the introduction of insurance.

4. Know how to pay and collect money.

(1) Pay as much as you want;

(2) the time and method of payment, the time and method of future collection, such as how long, one-time or installment, etc. ;

(3) the conditions of collection, such as when you can collect money and when you can't collect money.

5. Put what you have learned into words.

Not everyone can read the written materials by himself, so the most direct way to understand insurance is to understand the salesman's introduction to insurance. At this time, there is only one key point: write what you have learned into words item by item, and find the corresponding part in the insurance clause item by item for confirmation.

6. Fill in the application form truthfully and sign it in person.

There are many contents to be filled in the insurance policy, even including some personal contents. No matter what the content is, fill it in truthfully and sign it in person at last. Otherwise, the insurance company may refuse to pay compensation or insurance money on this basis in the future.

7. List comparison

If you don't know what to do with a lot of information about insurance, you might as well make a table of the functions, advantages and disadvantages of each possible scheme and then compare it. This list is very simple. You can list several functions, advantages and disadvantages of each scheme you can think of first.

8. Find the person you trust most to buy insurance.

Because of the complexity of insurance products, it is impossible for many people to distinguish the quality of various options in a short time, so the most convenient way is to find the most trusted person to buy insurance.

Second, pay attention to the following risks when buying insurance on the Internet platform:

1, product promotion hides "fudge"

(1) At present, Internet insurance mainly involves e-commerce insurance, travel insurance, auto insurance, accident insurance, health insurance, and some innovative products (such as flight delay insurance and return freight insurance).

(2) Some insurance companies unilaterally pursue explosions and attract attention, and there are some problems such as nonstandard promotional content of insurance products, inconsistent or incomplete display of format clauses contained in web pages, unclear explanation of exemption clauses, and vague insurance liability. It is easy to cause misunderstanding among consumers.

2. The illegal act is "fishy eyes and mixed pearls"

Some lawless elements use the internet platform to fabricate insurance products or insurance projects and illegally raise funds under the guise of insurance. Or promise high returns to induce consumers to contribute; Or fake insurance policies in the name of insurance institutions to defraud consumers of funds.

3. The risk of misleading sales.

(1) On the one hand, you should take the initiative to click on the insurance clauses link on the webpage, carefully read the insurance contract and the insurance instructions, and understand the important contents such as the guarantee liability, the exemption of liability, the insurance benefits and the ways to obtain them.

(2) On the other hand, don't be too literal. If in doubt, please consult the customer service of the insurance company in time.

4. In view of the risk of "fishy eyes" in illegal activities.

(1) First of all, we should reasonably evaluate our own needs and choose insurance products that meet the actual needs of our own insurance protection.

(2) Secondly, after online insurance, you can verify the authenticity of the purchased policy by calling the unified customer service phone of the insurance company, logging in to official website or going to the counter of the insurance company.

Extended data:

Choice of deductible form

1, for frequent accidents, a certain amount is generally used as the deductible. For example, auto insurance has an exemption clause in the basic insurance, with 20% of the loss as the deductible. When the loss of 100 yuan occurs, the insurer has to make an on-site survey once, and the insured claims once, which consumes a lot of energy. In the end, the insurer compensated 80 yuan.

2. For insurance products with high accident frequency, a certain amount should be used as the deductible, which can be divided into several pieces and linked to the insurance rate.

3. Considering the characteristics of the goods or other relations, such as the sales contract stipulates that the deductible is 5%, then you should not start new business and stipulate that the deductible is a certain amount in the insurance policy. If there is an error between the two amounts, it is also very troublesome. Insurance is also a business. Save what you can, save what you can, and don't have too many tricks.

4. The deductible clause in transportation insurance depends on the sales contract. The deductible shall be slightly higher than or equal to the deductible clause in the sales contract, and shall not be lower.

5. If the deductible in the insurance policy is lower than the deductible in the sales contract, the insurer can use the principle of insurable interest as an excuse to defend in the event of an insured liability accident, but after all, the insurance company is engaged in risk management, which is really unreasonable and it is not good to waste people and energy.

References:

Insurance Baidu encyclopedia