What matters does the China Banking and Insurance Regulatory Commission remind you to pay attention to when purchasing personal insurance?

The China Banking and Insurance Regulatory Commission reminds insurance consumers that when purchasing personal insurance products, please truthfully inform your health status, do not believe in misleading sales, and avoid claims disputes after an insurance accident to protect your own legal status. rights and interests. ?

1. Don’t believe the misleading propaganda of sales staff. During the sales process, you may encounter that individual insurance salespeople induce insurance consumers to conceal their true health status and apply for insurance on the grounds that truthful disclosure of their health status will result in increased premiums and denial of coverage. In this case, if an insurance accident occurs, claims disputes may easily arise, and insurance consumers may not receive insurance compensation or benefits, causing their own rights and interests to be harmed. ?

2. Truthful disclosure is the legal obligation of insurance consumers. The "Insurance Law" stipulates that when an insurance contract is concluded and the insurer (referring to the insurance company that has entered into an insurance contract with the insured and assumes the liability for compensation or payment of insurance benefits in accordance with the contract) makes inquiries about the subject matter of the insurance or the relevant situation of the insured, the insurance company shall People should tell the truth. If the policy holder fails to perform the obligation of truthful disclosure intentionally or due to gross negligence, which is enough to influence the insurer's decision whether to agree to underwrite or increase the insurance rate, the insurer has the right to terminate the contract in accordance with the prescribed conditions. Insurance consumers fulfill their obligation to truthfully inform, which not only complies with relevant legal provisions, but also avoids claims disputes arising from failure to truthfully inform. ?

3. Answer health status inquiries truthfully. Insurance institutions mainly use written methods to inquire about the health status of the insured. Insurance consumers need to objectively fill in health status questionnaires, etc. If you cannot remember certain health conditions due to a long time ago, please check medical records, diagnosis reports and other relevant diagnosis and treatment information in a timely manner to avoid inaccurate health status notifications that may affect your insurance. Contract validity.

Source: The Paper News Network