With the deepening of modern people's awareness of insurance, more and more people choose to buy insurance products for themselves and their families to avoid potential risks. However, in the face of the diversity and complexity of insurance products, many consumers find it difficult to effectively manage and track their policies. Policy management, a seemingly simple issue, is actually related to the vital interests of consumers. Based on this, Qianhai Life shares three practical policy management tips to help consumers better manage their policies.
Policy administration is more important than you think. Insurance is not a one-time deal, and subsequent payment and claims are equally important. Without effective policy administration, consumers may be at risk of missing payment dates and lapsing their insurance. In addition, policy management also helps consumers quickly find the corresponding policy to apply for claims when needed, providing timely protection for families.
In addition to ensuring the effectiveness of insurance, policy administration also helps consumers better understand their insurance allocation. Insurance allocation is a dynamic process that needs to be checked and filled according to different life stages. Through policy management, consumers can clearly understand the allocation of their insurance type, whether the insurance amount is sufficient or not, and whether there is any wrong purchase of insurance, etc., so as to facilitate timely adjustment.
Forgot what insurance you bought? Here's how to get it back. Before administering a policy, consumers first need to take stock of what insurance they and their families have purchased. If you don't remember, there are a few ways to get it back:
1.SMS: Search for SMS messages on your phone about keywords such as "policy" and "insurance", and you can usually find the insurance or renewal notice sent by the insurance company.
2.Email: Check your personal email address, especially for those related to your insurance purchase, as you can usually find an e-policy or purchase confirmation email.
3.Jinshitong APP: Through identity authentication and face recognition, you can inquire about your life insurance, car insurance, etc. as the policyholder or insured, and the policy status is true and valid.
In addition, consumers can also inquire about the policies they or their family members have purchased through the insurance company's official WeChat, customer service** and other channels.
What are some ways to help consumers better manage their policies? Qianhai Life shared the following three tips:
1.Columns: Organize the protection information of each family member into a form, including the insured, insurance type, insurance company, product name, insurance content, premium, deduction account, purchase date, renewal date and other information. In this way, the protection status of each member can be clearly seen, which is convenient for overall management and review. At the same time, it is recommended to use ** documents to organize them so that they can be updated and shared at any time.
2.Use policy management tools: Use online management tools or third-party policy management platforms to digitize and manage policy information in a unified manner. These tools often provide reminders that can help consumers pay their premiums in a timely manner and avoid insurance lapse. At the same time, through electronic management, consumers can view policy information anytime and anywhere, which is convenient and fast.
3.Unified management after printing the electronic policy: print out the electronic policy** and summarize it into a special folder for unified management. This is a traditional but practical way to check the details of your policy with your family, but it is important to note that paper documents are easy to get lost or damaged, so it is recommended to back them up and keep them safe.
Qianhai Life reminds consumers that through effective policy management, they can have a clearer understanding of the contents of the policy, make it more convenient to apply for claims, and hold up a protective umbrella for individuals and families. Qianhai Life hopes that every consumer can pay attention to policy management and provide solid protection for themselves and their families.