7 years insurance broker, MDRT member of the United States MDRT
The service customers are all over 20 provinces, municipalities and autonomous regions across the country
Original article No. 102
Picture: Huhu King Original
"Golden Story", the official one-click app to check all the policies under its name, cannot be used at all at a critical moment.
Yesterday, I accompanied a friend to handle a claim in the morning, and the claim process was very smooth, and the prepared information was submitted, and the claim payment should arrive soon.
At present, it is clear that I have purchased insurance policies from 3 insurance companies, and all of them have submitted claim information.
However, whether other insurance companies have bought it or not is really a big question.
Under normal circumstances, there are generally 4 channels that can be checked
1. Jin Shitong
There is an official app called "Golden Stone" that can find all the life insurance and car insurance that we have as the policyholder and the insured.
In the past, it was queried through the official account "China Insurance Know-it-all", but this official account has been discontinued.
Many people's insurance policies are not bought by an insurance company, and they can be checked through the official platform of Jinshitong.
It should be noted that Goldworks can only see what insurance has been purchased and the premium, but cannot see the specific protection plan.
2. Hojikan Wei
The insurance officer's WeChat account can find out all the policies insured by this insurance company.
In addition to the policy details, some basic information can also be modified.
For example, basic information such as mobile phone number, email address, bank card, beneficiary, etc., can be modified on the insurance company's official WeChat or APP.
3. The official micro of the insurance brokerage company
All policies bought through insurance brokerage companies can also be found on the official account of brokerage companies.
4. Alipay or WeChat
Only for the payment of insurance policies and WeChat micro medical insurance.
If a loved one has passed away, how can I find out?
It's troublesome.
In particular, if your parents buy an insurance policy, you may not know if you have bought it at all, and you can't find a paper policy too long ago.
Facial recognition is required for registration and cannot be used if a loved one has passed away, or is in a coma.
Even if you have already registered, you still need face recognition every time you open it.
The insurance official WeChat can generally register through the mobile phone, but the premise is to know which insurance companies have bought the policy in.
If you don't know which insurance companies you have bought a policy from, you can only call one by one and ask.
The insurance brokerage company can only find out the policies bought through this brokerage company, not all of them, unless the policy has been held in custody.
How to organize the insurance policy
There must be 'people' to tidy up.
Insurance, in general, is bought one after another, and it is normal to buy policies from different insurance companies.
For the customers I serve, I will help you do a good job of the policy sorting form, and if you are not insured with me before, I will also ask you to send photos or electronic insurance policies over and take the initiative to sort them out.
It stands to reason that every insurance policy we buy has a service person.
However, the elimination rate of the insurance industry is too high, and most of the agents who were previously insured have left their jobs, and no one can be found.
Therefore, you must recognize the insurance service person you trust, organize all the policies in your home, and the family knows the contact information of this person.
The most basic thing is to know which insurance company you have insured.
If there is a new policy every year, the record should also be adjusted synchronously.
In this way, you will not be blinded in the event of an emergency.
When people leave, the money deposited in the bank, the bank will not take the initiative to notify the family, and the same is true for the insurance company.
The most worry-free and reliable way is to find a long-term service consultant for the family, which is equivalent to a policy steward and a captive insurance broker.