What kind of insurance schemes have you seen?

To be honest, the people who set the rules are always people, not the insurance terms. There will never be tricks in the insurance itself.

As an office clerk who has worked in the insurance industry for eight years, I first saw this hotly discussed news. I understand the behavior of the insurance company, but at the same time, I also feel that it is a pity that the customer cannot compensate. In fact, when insurance companies enter into insurance contracts, they also do so to avoid disputes over the insurance they sell. Only with contracts and terms can they better constrain the interests of both parties to the contract. Therefore, this matter can only be said to be two-sided. The insurance company did not explain the terms clearly. , then the customer did not read the contract terms clearly.

This is definitely not the customer’s problem. Insurance companies also have their own rules for establishing contracts, but often every employee will not be particularly detailed when explaining insurance terms to customers. It is impossible to read every clause and clause in the contract to the client. Sometimes the client needs to read it by himself, but often the client does not have time to slowly read each clause clearly and just bury it. As a non-professional, what the customer understands is that if something happens to me and I buy insurance, I will be able to pay for it, so similar problems will arise later.

Most of the similar problems I have seen in life are not due to any problems with the insurance companies' insurance. The problems are mainly caused by some dishonest behaviors of the insurance sales staff. As an insurance sales staff, there is no need to With a high degree of education, you can sell as long as you have a certain level of eloquence, so the quality of insurance salespeople varies. Many salespeople do not understand the insurance terms clearly before recommending them to customers. Various problems will arise, but ordinary customers will not Going to a certain salesperson instead of an insurance company theoretically leads to a bad reputation of the insurance company.

For example, the most common problem with bank insurance may be caused by sales staff. When many people go to the bank counter and want to make a deposit, some staff will gather around to recommend various financial management services to you. They do. It will tell you whether it is bank financing or insurance, but the sound is not loud. Generally, young people can tell whether it is bank financing or bank insurance financing after listening to the introduction. However, because the ears of the elderly are not very good, they often mistakenly think They applied for fixed-term products or purchased bank financing at the bank, but when they took the contract back to their children to read and found out that it was an insurance policy, most elderly people would choose to cancel it accompanied by their children. They are also some of the routines of bank insurance. They are mainly aimed at some wealthy elderly people and let them buy some financial management bank insurance. Most of these insurances last for a long time and the interest rates are not high. The only advantage may be stability. Therefore, it is not very acceptable in the financial management thinking of ordinary people in our country.

Some of the tricks that appear in protection-type insurance are also due to some misleading by sales staff. Whether it is accident insurance or disease insurance, the insurance contract is very clear, such as under what circumstances the compensation can be paid. Or what kind of disease can be compensated for? However, for the sake of their own performance, insurance salespeople will often exaggerate the coverage content to customers, and even avoid the important points and talk about some highlights, and never talk about some unfavorable terms for customers, resulting in many customers. After receiving the insurance contract, no problems were discovered, and various contradictions would arise when making subsequent claims or reviewing the contract after a long period of time.

When I was working, the company’s sales staff had similar behavior. For example, for a critical illness insurance, the terms of the critical illness insurance were often that only certain diseases stipulated in the contract could be compensated, such as malignant diseases. Tumors, chronic viral hepatitis, uremia and other diseases are very serious, so when sales staff mention these terms to customers when selling, most customers are often not very interested, and not everyone has them. Similar patients cannot empathize with them. They usually ask whether minor illnesses, such as stomach problems and cervical spondylosis, are covered. Some bold salespeople will say that these illnesses are covered. This is deception in order to complete the sales task. And routines, problems that arise later are particularly difficult to deal with.

Having said that, in fact, there are routines in all walks of life. People have to identify these routines themselves and at the same time prevent the occurrence of routines. They must be responsible for themselves and each other before doing anything. Be responsible. If there are any terms, it is most important to read the terms clearly.