Autumn and Winter Check-in Challenge
Many years ago, when I was still Xi, I met an old man, and we can call him Uncle Zhang. He was 68 years old and a retired civil servant. At this time, he was standing in front of a roll-up banner billboard and carefully reading the terms of the insurance, which was a bit difficult for him to read.
Boy, can you please explain this insurance to me?"Oh, this insurance is for seniors over 50 years old who live in Beijing, and the insurance coverage mainly includes taking public transportation and entering public places such as parks, museums, and hospitals. ”
I've honed this sentence many times to make sure that I'm using the most accurate and concise expression, and that irrelevant information is eliminated – to ensure that the core concept of the clause is conveyed accurately, and secondly, because every minute there are uncles and aunts who come to ask the same questions, and it saves a lot of time and relieves my slightly anxious mood a little, after all, I have been saying the same thing for five days in a row.
Speaking of which, this is all because of the recent introduction of an accident insurance for the elderly with the nature of ** people's livelihood protection. As a new employee, I was assigned to the front of the business counter for Xi, so I sold this insurance as a counter worker.
There are many things that Uncle Zhang doesn't understand, such as how to report the remaining part after medical insurance reimbursement, whether the self-paid part and the self-paid part can be claimed, whether the gate out of the park is considered to be in the park, whether it is considered to be within the insurance coverage in the suburbs of Beijing, and why the complications caused by accidents are not covered by ......insurance liabilityAll of this, some are related to the specific interpretation of the terms, and some are more macroscopic, and it is necessary to popularize some basic knowledge related to insurance, such as: 15 yuan to buy insurance is very cheap, it is impossible to cover everything!
When chatting, Uncle Zhang's logic is very clear, although the expression is slow, but it can be seen that it is all carefully considered, I think this may be related to his professional Xi. He would often give me a very specific scenario and then ask me if it was insured. For example, my wife came out of Ditan Park and just went out of the door when she fell. "This, do you say it will be guaranteed?”
I said that because they had already left the park, according to the insurance coverage, the insured was only covered when he "entered" these places.
As I talked to him, I was disbursing the policy from time to time based on the proof of payment. During this period, many uncles and aunts gathered around, because Uncle Zhang's hypothetical scenario was so vivid that every elderly person who was willing to buy insurance felt that he had expressed his doubts and thoughts.
You see, this one is not guaranteed. "There was some commotion in the crowd, and everyone felt that as soon as people walked out of the gate of Ditan Park, the insurance company would not admit it.
When I was in school, there was a very basic concept in communication called "opinion leader", which means that everyone's thoughts follow this leader, and the leader influences our judgment of many things. During the hour from 11 a.m. to 12 p.m., the opinion leader in the most populated area of the counter was Uncle Zhang.
From 11 o'clock, Uncle Zhang pulled me to chat for almost an hour, although communicating with the elderly made me more or less anxious, but this is also a good thing, at least I can take a break for a while, and I don't have to help my uncles and aunts activate the insurance policies one by one.
The so-called "activation policy" refers to the process of making the policy effective after the customer purchases the policy in the form of a card fold, scratches the password on the policy, logs in to the designated ** and enters the policy number, password and various information of the insured. In fact, such a form of insurance itself is understandable, which not only meets the compliance requirements of this type of short-term insurance, but also has been proven feasible by long-term practice. At the beginning, such a form of insurance policy was chosen more for the sake of sales efficiency and convenience, so the final result was that some aspects of the work were "assigned" to the customer. It's just that this time it's put on uncles and aunts, and it's a little difficult to operate.
At first, I suggested that my aunts and uncles go back and let the child help activate it, but the answer was always that the child was not around. Either abroad, or far away, and, of course, there is a situation: "The children are too lazy to care about this." ”
The counter staff - because they are almost all female compatriots who are a few years older than me, so I call them sisters - often tell me that the old people have this situation, so I can help them do a little bit. Although I will still say something along the lines "Activation is not an obligation under the contract.""Or the point of view that "it is not the responsibility of the insurance company for the policy not to take effect in time due to non-activation", my sisters often just laugh and persuade me to be more patient.
As a result, there was a long queue at the public computer counter, and the specially equipped staff helped the elderly activate it one by one.
At 12 o'clock, Uncle Zhang finally made the decision to buy, so the invoice, payment, card issuance, and activation were quite fast.
I have one last question, lad. Uncle Zhang may have asked a little hurriedly because he felt that the time was quite late, "I fell in the hospital, who can prove it?"”
I said that all you need to do is get a certificate from the hospital to prove that you fell at the hospital. Similarly, parks also have park management offices, and each site has its own management department, and the certificate issued by them can be used as a basis for claims.
Uncle Zhang let out a long "oh", a little relieved, he stood in front of the roll-up banner advertisement and watched it for more than half a minute, folded the 8 insurance policies in his hand and turned around and went out. As soon as I walked to the door, Uncle Zhang came back and asked me what I was called, I said you can just call me Xiao Gao, and then he looked at me and said slowly: "I'm a bit of a rambling person, and I talk a little more, thank you." Before he could finish speaking, he reached out and shook my hand.
At that moment, I was shocked. If I tell you that I'm a little moved, a little flattered, and feel that my seemingly rational views seem too cold, you might think I'm a bit hypocritical, but that's what I'm trying to say.