What does insurance return visit mean?

Insurance return visit means that after the two parties handle insurance business, the insurance company calls the insured by using the service line, or adopts the way of on-site follow-up return visit to ensure that the insured knows the progress of the case and claims settlement. Generally speaking, the main content of the return visit is the case handling process and the claim publicity process, which provides very complete information for the insured to claim in the future.

The significance of insurance return visit:

Insurance companies usually pay a telephone call back to the insured who bought the company's long-term insurance products or health insurance products.

The content of the phone call will roughly ask the insured whether he knows the need for personal signature, whether he knows the relevant liability insurance, whether he knows the relevant risk responsibility, and whether he knows the significance of the initial insurance cost and the cash value of the policy. It can help the insured to understand the insurance agreement in a certain sense, thus avoiding future insurance disputes. It is not only good for insurance companies, but also good for policyholders. Insurance return visit can better protect the personal rights and interests of the insured, and can avoid the loss caused by misleading sales or buying insurance by mistake under unclear circumstances. Generally speaking, an insurance return visit is conducive to ensuring the quality of the policy.

Why insurance companies should pay a return visit;

Many friends bought insurance for the first time through a friend's introduction, and they agreed to vote, but they didn't understand the terms in the insurance clauses and mistakenly thought that they could pay for everything.

This situation is likely to lead to future claims disputes, which will not only make the insured misunderstand the insurance company, but also harm the insured's own interests.

More importantly, in the process of claim settlement, it is difficult for us to distinguish whether this is the problem of the insured or the problem of the salesperson. If the dispute is difficult to solve, it may need to enter legal proceedings.

In order to prevent misleading sales and avoid some claims disputes that may occur in the future, the insurance regulatory authorities require insurance companies to pay a return visit to the long-term insurance purchased for more than 1 year.

Generally speaking, the return visit of an insurance company will ask the following questions:

Confirm the identity of the insured and whether I am insured.

Confirm whether the insured knows the insurance clauses and insurance responsibilities.

Confirm whether the insured knows the exemption clause.

Confirm whether the applicant is aware of the terms such as hesitation period.

These contents are all about future claims, so everyone should pay attention to them.

What are the forms of return visits?

In order to facilitate and save costs, insurance companies set up different forms of return visits to determine related matters after insurance.

1. Withdraw

This is the most common way to return a visit. After the insured is insured, the insurance company will have a special person to call the insured to confirm the relevant matters. Telephone return visits are usually recorded and used as one of the important basis for future claims.

2. Pay a return visit by SMS or email.

The insurance company sends a short message or email to the insured, and the insured can complete the corresponding return visit confirmation just according to the instructions in the short message or email.

Online return visit

That is, the applicant will automatically pop up a return visit questionnaire after successful insurance, and the applicant can fill in and submit it.