0 1 case details
This is an insurance dispute that happened not long ago. Specifically, Lao Wang, a 56-year-old citizen of Yantai, considered the problem of frequent diseases among the elderly. In March 2009, he bought a refundable critical illness insurance in a local insurance company, with a guarantee of 7,000 yuan a year 10 years. When the salesman recommended the product, he also explained that "as long as you don't get out of danger within 10 years, you can return the premium in full", but Lao Wang knew nothing about insurance, just heard a friend say that you could lose money in case of an insurance accident, so the salesman explained and signed the contract on the same day.
As a result, in March this year, because Lao Wang had not been out of danger during the guarantee period, the insurance company also paid for it, but what Lao Wang didn't expect was that he only got a refund of 50 thousand yuan. According to the salesman of that year, 70,000 yuan should be refunded. Where is the remaining twenty thousand dollars?
Afterwards, the old man contacted a reporter from a certain media. With the help of the reporter, I found that Lao Wang also signed an agreement when signing the insurance contract. Lao Wang said that when signing this agreement, the salesman told me that with it, I could pass the claim more smoothly. But in fact, the reporter found that the contents of this agreement are basically unfavorable terms for claims.
After all the clarification, the insurance company apologized to Lao Wang and paid him the remaining 20 thousand yuan.
02 case study
In fact, this dispute case, in the final analysis, is due to the lack of professional quality of insurance salesmen and consumers' insufficient awareness of insurance traps. Cases of insurance fraud like the above actually happen every year, but even if such a thing happens, not many people will pay attention to it in the end, so this is something that everyone needs to pay attention to.
What pitfalls should I pay attention to when buying insurance?
(1) Carefully buy insurance introduced by relatives and friends.
Why don't I suggest you buy their insurance? Because everyone doesn't know, in fact, as a salesperson, you can only complete your performance by selling insurance through various means and will not be eliminated. Relatives and friends are generally their first target, so I suggest that you must carefully buy insurance introduced by relatives and friends.
(2) A good product suitable for others may not be suitable for yourself.
Many people always think that a good product in the eyes of others must be a good product. Actually, it is not. In my opinion, the really good products should be the products that can meet their own needs and suit them best, not the so-called good products of network celebrities.
(3) Insurance must be based on the contract, and you can't just believe what the salesman says.
When buying insurance, you must read the contract carefully, and don't trust the salesman's words or even his promises easily, because even if the salesman promises more, as long as there is no contract, it is empty talk.
Finally, if you don't know how to buy insurance and how to choose the right insurance, you must take precautions before buying insurance and have a basic understanding to prevent claims disputes in the later period.