If you are familiar with the insurance business, please come in, what do you know about insurance sa

There is a principle for life insurance claims: a person's lifespan (life) is priceless. So there is no cap on claims, so your first 4 5 years are not a duplicate policy. However, the information you provided is incomplete, so I can only roughly judge the claim as follows:

1. Suppose that within 5 years, if you die or become disabled by an accident (such as being hit by a falling object from a height), you will be compensated 180,000 yuan.

2. Suppose that within 5 years, if an accidental death occurs during the driving of a motor vehicle (such as a self-driving car accident), the compensation will be 18 + 18 = 360,000.

3. Suppose that within 5 years, if you die in the process of taking public transportation (for example, the bus falls into the sea), the compensation will be 36 + 18 + 18 = 720,000.

4. Assuming that there is an accident within 5 years, and there is no death but disability, the claim will be made according to the degree of disability, and 80,006 is the upper limit.

5. Assuming that you want to be hospitalized due to illness or accident within 5 years, the surgery fee and hospitalization fee will be reimbursed, and 5000 is the upper limit.

Because I didn't see the full terms of the insurance contract, I could only make a rough judgment based on the literal meaning. If you want to know how to settle a claim in a specific and relatively accurate way, it is recommended that you call the insurance company's customer service** directly, which is the most reliable method.

The consumer insurance you are insured with no principal at maturity.

What you buy is the sum insured, which is superimposed according to the actual purchase amount of each item, there is no problem, only when it comes to specific medical reimbursement items, it involves repeated insurance only according to the maximum amount of compensation, rest assured!

I hope it will help you, and I wish you health and peace!

Hehe, your description is unclear in the first place, and you have to read the insurance contract to give you the most accurate answer.

Is this a coverage in one contract or a different insurance contract, and you have summarized it yourself?

Which company did you buy?

The main thing is to look at your insurance contract.

Summary. Dear, glad to answer for you! What do you know about the insurance salesman, the most important thing to be an insurance salesman should have is good self-confidence and psychological endurance, how to seek a topic in the face of strangers, study the customer's preferences, habits, and the industry, status, way of speaking, etc., all need the salesman to study, analyze, and then develop a reasonable conversation plan, you are like a miner, to fully prepare everything, have resistance, tenacity to dig, until the excavation is successful, That is, the moment when you reap the joy, insurance is a challenging industry, when you really step in, every time you conquer will be a baptism of body and mind.

Dear, glad to answer for you! What do you know about the insurance salesman, the most important thing to be an insurance salesman should have is good self-confidence and psychological endurance, how to seek a topic in the face of strangers, study the customer's preferences, habits, and the industry, status, way of speaking, etc., all need the salesman to study, analyze, and then develop a reasonable conversation plan, you are like a miner, to fully prepare everything, have resistance, tenacity to dig, until the excavation is successful, That is, the moment when you reap the joy, insurance is a challenging industry, when you really step in, every time you conquer will be a baptism of body and mind.

Insurance products are intangible products, as a pioneer in the development of the insurance business market - insurance salesman, in order to promote their own company's products, not only have the quality of a general salesman, but also must have some basic qualities related to their own business.

There are about 6 stages:

1.The preliminary examination clerk to the acceptance point to submit the order, the order receiving personnel according to the conditions of the order to receive the preliminary examination, the preliminary examination of the order as the first pass of the new order into the company, mainly to remove the unqualified insurance parts. This link must be strictly controlled, so as to reduce the occurrence of various situations that the policy cannot be closed and carried out normally due to unqualified filling in the insurance policy.

2.After the initial examination, the important step is the registration of the new order. The so-called new order registration is actually the first entry of some important information.

The purpose of this entry project is to generate some necessary information as soon as possible in order to collude with finance, second, to produce marketing bulletins, and thirdly, to ensure the correctness of this information (and there is a verification process when entering it officially).

3.After the registration of the new order for entry review, the formal entry work (i.e., the second entry) will begin, and the review will be carried out after the entry is completed. In the process of entry and review, the idea of remembering errors runs through.

That is, the latter link records the errors of the previous link (entering the order taker and reviewing the record), which provides some basic data for the assessment of the internal and field services.

4.After the review is completed, the Huai group enters the underwriting. Underwriting is traditionally divided into transactional underwriting and medical underwriting. The combination of administrative underwriting and medical underwriting is organically carried out to make risk assessment of the insured documents and various underwriting treatments at the same time.

5.Log in to the insured documents that have passed the document underwriting, and the computer will automatically send a reconciliation request to the finance. As long as the temporary fee received by the financial department is greater than or equal to the business payable fee (the sum of the standard premium and the surcharge), the insurance can be logged in on the computer.

Login is a process to confirm that the insured document meets the conditions for issuance, which is a necessary condition for issuance. If the underwriting is passed, but the financial temporary fee is less than the business fee, the computer will automatically generate a receivable record and print a reminder notice to urge the customer to pay the fee. After the policy is registered, it can be printed, paged, reviewed again, and bound in these processes, that is, the work of the document preparation part is completed.

6.After the policy is sent to the policy, the policy will be cleared and delivered to the customer through various means, and the receipt will be entered after the customer signs for it, and the cooling-off period will be calculated. At the same time, the filing of insurance information can be carried out.

In practice, there will be some special circumstances, and the process proposes solutions, and its ideas are consistent with the normal handling of new orders.

Extended reading: [Insurance] How to buy, which one is better, teach you to avoid these insurance"pits"

Who in the world would dare to say that his insurance knowledge is very familiar??? Insurance is a big field!! How can it be very familiar.

There is a book "Insurance ** Practitioner Qualification" assessment book, if you are just getting started, you should take a serious look, and the basic knowledge is there.

Everyone is at risk of illness, accidents, etc., from birth to death. Insurance is a product that transfers this risk from the insured to the insurance company in a monetary way.

Insurance is divided into two categories: property insurance and life insurance. Life insurance also includes life insurance, accident insurance, medical insurance, etc.

In terms of form, it is divided into traditional insurance and new insurance. At present, the commercial insurance in the market is basically a new type of insurance, such as participating insurance and universal insurance.

Understanding an insurance policy depends on its contract. The main contents include: insurance name, insurance liability, insurance period (payment period and liability period), insurance terms, etc. These are clearly stated in the contract.

If you want to be very familiar, then study a "Tutoring Material for the Qualification Examination of Insurers". It includes the basic content of insurance and various laws and regulations such as the Insurance Act, and there are no links on the Internet.

Also, what is your definition of insurance? Be a professional insurer, or just make money to grow your team?

My definition of myself is that I am a professional insurer, I do not represent the interests of any insurance company, I just want to choose the right product for myself, my family, my friends, my customers, and the people I care about. In this way, it requires more professional knowledge and the heart to consider the other party, and it is necessary to tailor and choose the right product according to the customer's own conditions.

If you want to be a professional insurer, you must first understand the differences between various types of insurance, the meaning of critical illness insurance, accident insurance, life insurance, annuity insurance, etc., and the purpose that can be achieved. If you don't even understand these things, you will only sell the wrong things and lose everything. These usually need to communicate with some people, and professional knowledge is slowly accumulated.

There is no overnight thing, these can be achieved by reading more professional books, ** to see the global insurance big coffee ** and explain and talk and so on (now there are many ** companies do a good job of people are not necessarily very professional, if you want to have your own opinions for the sake of professionalism, you can identify the authenticity). Talk to people a lot, a really good insurance salesperson is tempered. This kind of person who does a good job is generally an insurance broker, and his professional knowledge is much stronger than that of most ** people.

If it is for the interests of the insurance company, then you choose the best company, develop the team, and so on. Just find your leader, and it's important to find a leader who is tolerant.