What is the type of insurance and what does it mean

Hello, generally we have two ways to apply for insurance, one is online and the other is offline. Offline insurance is a more traditional way and is still applicable, while online insurance has only emerged in recent years with the development of the Internet. Today, dad will talk about insurance.

What is the insurance application process? What problems should be paid attention to when buying insurance".

1. What issues should be paid attention to when applying for insurance?

1.Health notices should be told truthfully

Many products require health notification, and the insured must truthfully inform the relevant situation, if concealed may lead to the rejection of the claim in the later stage.

2.Read the insurance wording carefully

Insurance claims are made in accordance with the contract, so reading the insurance contract can make the claim more smooth, especially the exemption clauses in the contract must be read carefully, and the fewer the exemption clauses, the more beneficial it is to the insured.

3.Identify the beneficiary

Generally, the beneficiary of the insurance contract is statutory, and the beneficiary can be appointed in order to avoid the trouble of subsequent claims.

2. What rights can I enjoy after applying for insurance?

In fact, through the first two steps, the entire insurance process has been basically completed, and the policyholder can enjoy the corresponding protection during the insurance period, in fact, there are other policy rights, which mainly refers to critical illness insurance and life insurance.

The coverage period of these two types of insurance is generally longer, and the payment period is also relatively long, for example, both can be guaranteed for life at the longest.

During this period, the policy will have a corresponding cash value, and during the insurance period, if the insured is short of funds, he can take out a loan from the policy to obtain a sum of funds, and if the insurance contract agrees, he can also obtain funds by reducing the insurance.

The specific rights are stipulated in the insurance contract, and they still have to be carried out according to the contract.

3. Daddy's summary

In general, the insurance application process is not complicated, but it is important to make relevant preparations before applying for insurance, and know what protection you need before you can choose the right product for you.

The conclusion of an insurance contract goes through two stages: offer and acceptance, also known as insurance and underwriting.

Insurance refers to the policyholder's intention to enter into an insurance contract to the insurer, generally by filling in the insurance company in advance, the insurance letter can be handed over to the insurer or its ** person. In addition to the application form, the insurer will also require the policyholder to provide some other documents or fill in some other information, such as a health certificate in life insurance, a financial report in property insurance, and a consultation form to inform the truth.

Underwriting means that the insurer agrees to the insurance offer made by the policyholder, does not make substantial changes to the insurance requirements, and the insurance contract is declared established after the insurer underwrites the insurance.

After the insurance contract is concluded, the insurer shall issue an insurance policy or other insurance certificate to the policyholder in a timely manner.

The insurer cannot make substantial changes or variations to the insurance offer at the time of underwriting, otherwise it is not a promise, but a new offer.

For small insurance contracts, the insurance contract is a standard contract, and the policyholder has no opportunity to change the terms of the insurance contract, and the content of all insurance policies is actually the standard contract drawn up by the insurer himself in advance, and there are few new offers issued by the insurer. For large-amount insurance, such as engineering insurance and satellite insurance, the insurer may negotiate with the policyholder on some special requirements, and there is a possibility that the insurer will make a new offer. Best wishes!

Insurance refers to the process by which the policyholder and the insurer (usually the insurance company) conclude an insurance contract and pay the insurance premium in accordance with the insurance contract. The policyholder, also known as the policyholder, is a person who has entered into an insurance contract with the insurer and has the obligation to pay insurance premiums in accordance with the insurance contract. Both natural and legal persons can become policyholders.

The policyholder, also known as the policyholder, is a person who has entered into an insurance contract with the insurer and has the obligation to pay insurance premiums in accordance with the insurance contract. Both natural and legal persons can become policyholders. The conditions to become an insured are:

Have the corresponding capacity for civil rights and conduct; It has an insurable interest in the subject matter of insurance.

Hello, it is a right of the policyholder to apply for insurance from friends.

Dirt buns, you lose money. Read the terms and conditions of the insurance company and approve it yourself. Yes, you can apply. You can apply for insurance if you sign it yourself and the insurance company stamps it, so you have to go through a period of procedures to apply for insurance, and you must clarify the terms of the insurance company.

One of the agreements and contracts that is thus opened up is insurance.

Buying insurance is the act of buying insurance. That is, the process in which the policyholder signs an insurance contract with the insurance company and pays the insurance premium in accordance with the insurance contract. The policyholder can choose whether the insured is himself or his family, purchase insurance for him, and pay the premium on time according to the premium agreed in the insurance contract and the payment method, and can obtain compensation from the insurance company when the insured has an insured accident agreed in the contract.

When we apply for insurance, we must confirm the identity of the insurance practitioner, and fulfill the obligation to inform truthfully, and we also need to understand the insurance liability and liability exemption of an insurance policy.

To be insured is to participate in social insurance. What we usually call insurance in the name of an individual, according to the words of the document, should be "self-employed workers and freelancers participate in social insurance".

The conditions for participating in the insurance, in accordance with the provisions of the document, have the urban household registration of the city, within the working age stipulated by the state, and have the ability to work. The term "self-employed" refers to individual industrial and commercial households.

employers and employees; Freelancers refer to those who rely on the provision of labor services and receive legal remuneration for their labor during the period when they have not established a labor relationship with the employer.

The social insurance program is organized by **, and a certain group is forced to use a part of its income as a social insurance tax (fee) to form the social insurance **.

It is a redistribution system, and its goal is to ensure the reproduction of material and labor force and social stability.

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The insurance scope includes four aspects: the age of the insured, occupation, physical condition and the relationship with the policyholder.

1. The age of the insured is generally 28 days old to 55 years old.

2. Occupational classification.

It must be in categories 1-6, and the occupation of the denied insurance is no longer within the scope, such as the occupational category of the insured.

The change must be notified in writing in a timely manner.

3. The physical condition is healthy, such as suffering from slow disease, it is necessary to undergo physical examination and underwriting.

4. The policyholder should have an insurance interest in the insured.

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Sometimes we will hear that the rate of a certain insurance product (rate = insurance premium and insurance amount) is high or low, and there is generally a reference, such as a certain product, compared with other products, his rate is lower. There are two meanings.

1, which means that the coverage amount of this product is higher under the same premium.

2. Under the same amount of protection, the premium of this product should be lower and more balanced.

However, the insurance product is not only required to use the collapse rate to see its quality, but also other parameters, such as the scope of protection, whether there are dividends, etc.

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

First of all, insurance is a process of buying insurance, that is, from the submission of the application to buy insurance to the signing and consent of the policyholder, the whole process is regarded as the process of buying insurance.

You must know that insurance is a special commodity, and it will not be like ordinary commodities, as long as you pay for it, you can take things and leave; Rather, it is necessary to complete the insurance process on the basis of the mutual willingness of the policyholder and the insurance company, and both parties agree to the agreed terms.

Generally speaking, different types of insurance have their own different insurance conditions, if you want to buy this insurance product, the first priority is to meet the insurance conditions set by the insurance company.

Considering the differences between different types of insurance, let's take critical illness insurance as an example to talk about the precautions in the insurance process of critical illness insurance.

Critical illness insurance is based on the physical health of the insured, and if you want to apply for insurance, you must go through the health notification level; The health notice is actually a questionnaire to help the insurance company understand the health status of the insured.

Seeing this, if you still have questions about health notice, you might as well poke this article to learn more:Is the health notice of the insurance company making it difficult for us?

In addition to the health notification process, there is another point I would like to remind you in the process of applying for critical illness insurance, that is, it is recommended to carefully check all the contents of the insurance contract before applying for insurance; After all, the insurance company is subject to the insurance contract in the subsequent claim process. Hope.