How to treat the insurance company's refusal to pay for the child's illness and hospitalization for three days?

There are many cases where insurance companies refuse to pay compensation. How do non-professionals understand a large number of terms? I can only let the insurance company sales staff fool me. At present, the sales staff of insurance companies are very unprofessional and have participated in their publicity and training on insurance in a large insurance company. In my concept, the training of salespeople working in insurance companies should be the training of professional knowledge. Unexpectedly, their training content actually contains very few insurance clauses and professional knowledge. So what do they train? Words! ! ! To put it politely, the so-called "rhetoric" is a sales skill, and to put it bluntly, the so-called "rhetoric" is a routine to fool people. Kidnapping uncle Benshan has the same effect!

We need clear protection.

Let's talk about the products of insurance companies first. Insurance companies have many products, which are generally divided into two categories, consumer and wealth management. Each type has been accurately calculated by senior actuaries. Ordinary consumers have such professional skills! Coupled with the promotion of unprofessional sales staff, it is difficult to be fooled!

Do we need insurance? Really need it! But what kind of insurance do we consumers need? What we need is insurance with higher coverage. But you should study the products of insurance companies. Consumer insurance, many customers will find it uneconomical, because consumer insurance sounds uneconomical, without capital preservation and interest! The salesman of the insurance company will not recommend this kind of insurance for you. Low premium, low commission, no money!

Insurance premium

Financial insurance is the most enthusiastic sales of insurance companies, with high premium and high commission! Consumers are often confused and think that it is cost-effective and can be regarded as a deposit, which is not only guaranteed, but also generates interest. Under the complicated interest dividend calculation method designed by insurance companies, consumers don't even know what the interest is. But I wonder if consumers who choose financial insurance have noticed? This kind of insurance often has high premium and low coverage. For example, a company's children's insurance pays a premium of 5,000 yuan a year for ten years, and the insured amount is only100000 yuan. Needless to say, the premium you pay is 50 thousand yuan for ten years, giving you 20 years' protection. Sounds good? But don't forget, 20 years of insurance means that your 50,000 yuan premium will be deposited in the insurance company for 20 years! Have you ever thought about the devaluation and purchasing power of currency? Think about it. Twenty years ago, 50,000 yuan could buy a big house in a small city, but today, 20 years later, even in a small city, 50,000 yuan can only buy a bathroom.

Insurance companies should also fulfill their obligation to inform.

Let's talk about claims. Insurance companies have formulated many rules and regulations. It is impossible for us ordinary people to have such strict legal knowledge and know it in detail before taking out insurance. Why do you emphasize that ordinary people have the obligation to inform? Why don't we ask, has the insurance company fulfilled its investigation obligation? If consumers who cannot be insured are insured because the insurance company does not investigate, shouldn't the insurance company bear the losses of consumers?