How do I check my insurance policy, how do I check my insurance policy?

There are many ways to inquire about insurance policies, and generally speaking, there are the following:

1. Call the customer service of the insurance company** and provide your personal policy number or other identification information for inquiry. Be careful not to disclose your policy number and other relevant information to others.

2. Log in to the official website of the insurance company to inquire about the policy. If you are a new user, you need to register first, and then query. Your policy information, account information, and dividend information can be quickly and clearly queried.

At the same time, you can inquire about the progress of online claims and grasp the compensation information at any time.

3. If you apply for insurance through a third-party online insurance platform, you can inquire through the third-party insurance platform.

1. The insurer has the following characteristics:

An insurer only refers to an insurance company engaged in insurance business, and its qualifications can only be obtained in accordance with the strict provisions of the law.

The insurer has the right to collect premiums.

The insurer has the obligation to assume the insurance liability or pay the insurance money.

2. The policyholder must meet the following two conditions:

Possess the capacity for civil rights and civil conduct.

Assume the obligation to pay insurance premiums.

3. The insured has the following characteristics:

The insured is the person who suffers a loss at the time of the occurrence of an insured event. In life insurance, the insured is a person whose life or health has suffered direct losses due to the occurrence of a dangerous accident; In property insurance, the insured must be the owner or other owner of the property.

The insured person is the person who has the right to claim the insurance money.

The qualifications of the insured are generally not restricted, and the insured can be the policyholder himself or a third party other than the policyholder; The insured person can also be an incapacitated person, but in life insurance, only parents can insure the incapacitated person with insurance conditional on the death of the insured.

Generally, each policy has its own different policy number, and you can query it according to the policy number, and there are three specific query methods:

1. Network query method: Due to the rapid development of e-commerce, major insurance companies have established their own official ** online. If the insurance company you are applying for has an official website**, then you can register your own account on the official website, and then bind the account to your own insurance, so that you can check your policy number.

2. Inquire through the insurance person: Although people can now buy insurance through the Internet, most people still buy it through the insurance person. If the insurance is purchased through the insurer, then you can contact the corresponding insurer, and they will check your policy number.

1. Inquiry: Under normal circumstances, consumers will choose to inquire about insurance policies, just call the insurance company service, and inform the policy number and certificate number.

3. Salesman inquiry: If you buy the product through the insurance salesman, you can first find the salesman who serves you and let him inquire on your behalf.

4. Counter inquiry: If you are close to the business outlets of the insurance company, you may wish to bring the policy, ID card and other information to the counter for inquiry, so that you can have a clearer understanding of the policy.

How to check the insurance personal policy?

Step 1: Verify the policy.

1. Receive electronic contracts.

After the insurance is successful, the first thing to do is to verify it through official channels to see the authenticity of your policy. If you successfully apply for insurance offline, you will receive a confirmation letter or a paper contract. For online application, you will receive a confirmation SMS from the insurance company or an electronic policy sent to your email.

Among them, the content of the electronic policy is no different from the paper policy, which is as evidence-based as the electronic invoice, and you don't have to worry too much about the problem of the electronic policy.

Article 11 of the Contract Law of the People's Republic of China stipulates that data messages are a legal form of contract expression, and electronic insurance policies have the same legal effect as paper insurance policies.

Generally, the reason why it is difficult to settle a claim is nothing more than that the insurance situation is not covered by the insurance, or the physical condition is not truthfully informed when applying for insurance.

An insurance policy is the abbreviation of an insurance policy, which is a formal insurance contract signed between the insurer and the policyholder. The insurance policy is the main evidence for the insured to claim compensation from the insurer when the insured suffers losses due to an accident and is also the basis for the insurer to collect insurance premiums.

Inquiries about insurance policies can be made in four ways: **, outlets, official websites, and third parties.

2. Bring your ID card to the business outlets of the insurance company, handle information inquiry at the counter, and inquire about the policy information.

After buying insurance, you may forget what insurance you bought and what the protection is, especially if you have bought multiple insurances. Here are five ways to check your insurance.

1. Find out the insurance contract, which is the most direct way to inquire. Nowadays, most insurance companies have an electronic version of the insurance contract, and after the contract is established, the email address of the policyholder reserved at the time of insurance application will be sent. If it is insured early, it is a paper contract.

After the table of contents page of the insurance contract, it is usually the second page of the insurance contract, which is the policy page, which will clearly display the basic information of the policy such as the name of the insurance product insured, the effective time of the insurance contract, the protection period, the payment period, the sum insured, the premium, etc. In the case of long-term insurance, the cash value statement is also in the first few pages of the insurance contract, usually at the back of the policy page. Of course, the contract will vary from one insurance company to another.

3. When looking for insurance, the insurance salesperson can make inquiries, which can also make face-to-face consultations and explanations, and it is easier to help us clarify the original intention of insurance and make better risk management suggestions.

4. If you have bought more insurance and have done policy custody business, you can find the institution or insurance broker who has managed the policy, or you can ask the other party to issue a policy sorting report, so that the insurance you have bought can be clear at a glance.

1. How to check my insurance policy?

An insurance policy, referred to as a "policy", is a written proof of the signing of an insurance contract between the insurer and the policyholder, and is also the main form of expression of the signing of the insurance contract. To simplify the form, it can also be in the form of a legally binding pre-insurance policy, a certificate of insurance or a temporary insurance policy.

3. The main content of the insurance policy

1) Declarations.

The important information provided by the applicant is set out in the insurance contract as the basis for the insurer to underwrite the perils, such as the name and address of the insured, the name of the subject matter of the insurance and its place or status, the amount insured, the duration of the insurance, the amount of premiums paid, and the warranties or undertakings made by the insured to the relevant perils.

2) Insurance matters.

That is, the insurance liability that the insurer should bear.

3) Exclusions.

That is, the insurance liability that the insurer does not bear. This part appropriately modifies or limits the liability of the insurer, and the insurer is not liable for losses caused by the exclusion of uninsured perils.

4) Conditions.

That is, the obligations that both parties to the contract need to perform in order to enjoy the rights, such as the liability of the insured after the accident, the statute of limitations for applying for claims, the exercise of the right of subrogation, the change, transfer, cancellation of the insurance policy, and the choice of compensation.

5) Other matters.

Note conditions, such as dispute resolution clauses, statute of limitations, and policy variation, assignment and cancellation.

3. Go to the insurance company you are insured for, and if you don't understand, you can also consult the staff for more detailed answers.

First of all, you must find out which insurance company you are insured, and then go to your local branch office to inquire with your ID card when applying for insurance, or there is an online app or WeChat***.