In the two years since we changed from marketing to after-sales service, we have received more than 100 customers who have handled insurance preservation and claims, and most of them are still satisfied with the insurance they have purchased, but a small number of customers are not very satisfied with the insurance or the results of the claim, and have complained about the insurance.
In the process of analyzing the reasons for these complaints, it was found that in addition to the misleading sales of some ** people, customers do not understand and do not care about the insurance they have purchased, which is also an important reason for the unsatisfactory insurance claims or the loss of protection. After the insurance is purchased, the annual review of the policy should be done regularly.
The annual inspection of the policy is like a physical examination, and various problems in the policy can be found in advance through the annual inspection of the policy. In order to confirm rights and interests in a timely manner, and maintain or improve their own protection.
1) Confirm the rights and interests of all parties of the insured through the annual inspection, and fully obtain insurance protection.
In the practical insurance relationship, the policyholder is responsible for paying the premiums, the insured enjoys the insurance protection, and the designated beneficiary receives the interest of the insurance claim after the death of the insured. If you don't understand everyone's effective interest in insurance coverage, you risk losing your protection benefits.
The most typical example is the premium waiver liability. Nowadays, many major illnesses, because the policyholder and the insured are not the same person, many policyholders will increase the function of premium waiver, this type of policy, the policy has two insureds, and the insured will pay according to the insurance liability in the event of a critical illness. When the policyholder has a mild critical illness or critical illness, the liability for premium waiver will arise. After the premium waiver, not only will the rights and interests of the insured not be affected, but also enjoy the effect of premium waiver. Some customers are not aware of this problem, the original policyholder passed away due to a serious illness, and the child changed the policyholder on the mobile phone, missing the use of the waiver of premiums, which is a pity.
In practice, there is another type of recognition of the rights and interests of the designated beneficiary. If there is a change in the living status or family structure, the right to designate the beneficiary is not confirmed in time, and the beneficiary's rights will be damaged after the insurance liability occurs.
2) Check and fill in the gaps in all policies through the annual inspection of the policy.
Many families, when they are single, have not made adjustments to the family structure changes, there are deficiencies in family security that need to be supplemented in a timely manner, and some family members have changed in the nature of their work, and there is also an increase in the risk level, and the amount of protection also needs to be adjusted. Many old policies 10 years ago basically cover 3-50,000 yuan of critical illness or death benefits, and the results of this kind of policy are difficult to be satisfactory when making claims.
Through the annual inspection of the policy, you know that your policy is insufficient, and if the economic conditions allow, you can make up the coverage amount of your family members in time to take precautions.
3) Pass the annual inspection of the policy and stop the loss in time.
Some old policies, because of the problem of the first person, there is a hidden danger of false information information, its claim result is definitely rejected claims, if it is found that there is a false notice in the previous insurance, then it should be supplemented in time, or the insurance contract should be terminated, to minimize the loss that may be caused by the refusal in the future. In addition, some insurance that is not suitable for existing conditions can also effectively reduce losses by timely liquidation.