第一步:核對基本信息
請仔細核對基(ji)本信息的正確性,包括(kuo):投保(bao)(bao)人(ren)及保(bao)(bao)險人(ren)的姓名、證件號(hao)碼,否(fou)則(ze)會影響到后期保(bao)(bao)單的服務(wu)或理賠服務(wu)。
第二步:核對時間信息
清楚自己每期(qi)(qi)所(suo)交保(bao)費及下一期(qi)(qi)保(bao)費扣收(shou)的日期(qi)(qi),包括:交費日期(qi)(qi)、交費期(qi)(qi)間和保(bao)險期(qi)(qi)間,避免保(bao)單失(shi)效。
清楚合(he)同上(shang)寫明(ming)的交費期間(jian)(jian)(交多(duo)長(chang)時間(jian)(jian))保(bao)險期間(jian)(jian)(保(bao)多(duo)長(chang)時間(jian)(jian))是否與(yu)當時保(bao)險代理人所說(shuo)的一致。
第三步:確認受益人是誰
受(shou)益人(ren)(ren)(ren)是指(zhi)人(ren)(ren)(ren)身(shen)保(bao)(bao)(bao)險(xian)合同(tong)中由被保(bao)(bao)(bao)險(xian)人(ren)(ren)(ren)或者投(tou)保(bao)(bao)(bao)人(ren)(ren)(ren)指(zhi)定的享有保(bao)(bao)(bao)險(xian)金請(qing)求權的人(ren)(ren)(ren),投(tou)保(bao)(bao)(bao)人(ren)(ren)(ren)、被保(bao)(bao)(bao)險(xian)人(ren)(ren)(ren)可(ke)以為受(shou)益人(ren)(ren)(ren)。如果投(tou)保(bao)(bao)(bao)人(ren)(ren)(ren)或被保(bao)(bao)(bao)險(xian)人(ren)(ren)(ren)未指(zhi)定受(shou)益人(ren)(ren)(ren),則他的法定繼承人(ren)(ren)(ren)即為受(shou)益人(ren)(ren)(ren)。
若為指定受(shou)益人(ren),由(you)于指定受(shou)益人(ren)可(ke)以是(shi)單(dan)人(ren)或多人(ren),所以需要看清(qing)楚收(shou)益比例是(shi)否準確。
若(ruo)為(wei)法定受(shou)益人,在繼承(cheng)(cheng)保險金時法定繼承(cheng)(cheng)人按照第一繼承(cheng)(cheng)人、第二(er)繼承(cheng)(cheng)人、第三繼承(cheng)(cheng)人的順(shun)序(xu)(xu)繼承(cheng)(cheng)。配偶、父母(mu)(mu)(包括養父母(mu)(mu))、子(zi)(zi)女(包括非婚生子(zi)(zi)女、養子(zi)(zi)女)屬于第一順(shun)序(xu)(xu)繼承(cheng)(cheng)人。祖父母(mu)(mu)、外祖父母(mu)(mu)、兄弟姐妹是第二(er)順(shun)序(xu)(xu)繼承(cheng)(cheng)人。
第四步:了解“猶豫期”
猶豫期是指投保(bao)(bao)人在收(shou)到保(bao)(bao)險合(he)同(tong)(tong)后,如不同(tong)(tong)意(yi)保(bao)(bao)險合(he)同(tong)(tong)內容,可將合(he)同(tong)(tong)退還(huan)保(bao)(bao)險人并(bing)(bing)申請撤(che)(che)銷。在此期間(jian),保(bao)(bao)險公司同(tong)(tong)意(yi)投保(bao)(bao)人的申請,撤(che)(che)消合(he)同(tong)(tong)并(bing)(bing)退還(huan)已收(shou)全部保(bao)(bao)費(fei),只收(shou)取基本的工本費(fei)。
一般(ban)為簽(qian)收(shou)合同(tong)次日(ri)(ri)起的10日(ri)(ri)(銀行保(bao)(bao)險渠道為15日(ri)(ri))內,由于地區規定不同(tong),有(you)些是以自(zi)然日(ri)(ri)計算,有(you)些是以工(gong)作日(ri)(ri)計算。部分保(bao)(bao)險公(gong)司在猶豫期內不收(shou)取工(gong)本費(fei)。
猶豫期內退保,須注意以下幾點:
一是如果因為(wei)特殊(shu)情況無(wu)法及時接收(shou)保(bao)單,最好(hao)提前通知保(bao)險公司。
二(er)是(shi)收到(dao)保險(xian)單后,一(yi)定要(yao)親(qin)自填寫(xie)保單回(hui)執,并(bing)注明日(ri)期(qi)(qi)。因為保險(xian)公司對(dui)猶豫期(qi)(qi)的(de)認(ren)定,是(shi)以回(hui)執日(ri)期(qi)(qi)為起始(shi)日(ri)進行計(ji)算的(de)。
三是投保(bao)(bao)人必須認真閱讀保(bao)(bao)險(xian)條款,對自己還不夠了(le)解、或理解有(you)偏差(cha)的內容,要及時向代理人詢問,以免(mian)誤(wu)保(bao)(bao)。
第五步:了解“寬限期”
寬限(xian)期(qi)(qi)是(shi)指自首次(ci)繳(jiao)付保(bao)(bao)險(xian)費(fei)以后,每次(ci)保(bao)(bao)險(xian)費(fei)到期(qi)(qi)日起(qi)六十天內為寬限(xian)期(qi)(qi)。此間繳(jiao)付逾(yu)期(qi)(qi)保(bao)(bao)險(xian)費(fei),并不計(ji)收利息。如果(guo)被保(bao)(bao)險(xian)人在寬限(xian)期(qi)(qi)內死亡,保(bao)(bao)險(xian)仍有(you)效,保(bao)(bao)險(xian)公司承擔(dan)保(bao)(bao)險(xian)責任并支(zhi)付保(bao)(bao)險(xian)金,支(zhi)付的保(bao)(bao)險(xian)金扣除應繳(jiao)的當期(qi)(qi)保(bao)(bao)險(xian)費(fei)。
規定寬限期的(de)目的(de)是(shi)對保(bao)(bao)單所(suo)有人非故意的(de)拖欠保(bao)(bao)險費提(ti)供(gong)(gong)一(yi)些保(bao)(bao)護,此外(wai)也(ye)給經濟陷入(ru)困境的(de)保(bao)(bao)單所(suo)有人提(ti)供(gong)(gong)一(yi)個較為寬裕的(de)籌(chou)款時(shi)間(jian)。
第六步:看清保險責任與責任免除
了解(jie)保(bao)(bao)險(xian)(xian)責任(ren)(ren)是指保(bao)(bao)險(xian)(xian)公(gong)司承擔賠償或者給付(fu)保(bao)(bao)險(xian)(xian)金責任(ren)(ren)的(de)項目。保(bao)(bao)單的(de)保(bao)(bao)險(xian)(xian)責任(ren)(ren)直接關系(xi)到保(bao)(bao)單的(de)理賠范圍和具體條件。因(yin)此各位在(zai)購(gou)買(mai)保(bao)(bao)險(xian)(xian)的(de)時候(hou),一定要看清保(bao)(bao)險(xian)(xian)責任(ren)(ren),掌握對自己的(de)利弊,綜合衡量是否需要進行購(gou)買(mai)。
責任免除是(shi)(shi)指(zhi)保(bao)險(xian)(xian)合(he)同(tong)中規定保(bao)險(xian)(xian)人(ren)不負給付保(bao)險(xian)(xian)責任的(de)范圍(wei)。投(tou)保(bao)人(ren)在(zai)投(tou)保(bao)之前(qian),要(yao)先弄清楚哪(na)些是(shi)(shi)除外責任,自己保(bao)的(de)險(xian)(xian)種(zhong)都包括對哪(na)些事(shi)故(gu)(gu)的(de)賠償。這樣才不會(hui)在(zai)發生(sheng)事(shi)故(gu)(gu)后,搞不清楚到(dao)底能(neng)不能(neng)得到(dao)保(bao)險(xian)(xian)公司的(de)賠償。
看了這幾點內容,您是不是輕輕松(song)松(song)就看懂保(bao)(bao)(bao)險條款了呢?小編提醒廣大群眾,保(bao)(bao)(bao)險合同一旦生效(xiao),便(bian)會受到法(fa)律保(bao)(bao)(bao)護,最(zui)好掌握以(yi)上要點看懂保(bao)(bao)(bao)險合同。