Some time ago, a friend complained to me,
It's not easy to say that buying an insurance policy is not an easy task.
He has done a lot of homework with us.
I finally finalized a favorite product, and the premium happened to be within the acceptable range.
I carefully passed the health notice and was ready to pay,
Oh, it's been controlled by the wind!!
Really angry....
Friends are puzzled:
Do you have to go through the risk control system to buy insurance?
How can it be lifted?
If you have the same questions as him, the following content may be able to help you.
For quick enquiries, click here:
01
What is insurance risk control, and what situations are easy to touch?
Insurance risk control, in fact, is the information collected by insurance companies through big data to build risk models.
It is mainly an intangible [insurance threshold] set for risk control and risk warning, and to maintain sustainable operation.
If the system determines that the risk of the insured is high, the insurance will be blocked by the system and the insurance will not be able to be insured.
Generally, the policyholder's health data, underwriting rules, claims records, financial credit risk and other dimensions will be comprehensively scored.
We have also listed the general assessment elements for your reference:
The most common is the health data column, for example, because of the problem of borrowing medical insurance cards, it may lead to risk control.
Or because of repeated insurance applications and then surrender the policy,
I often repeatedly use personal information in different companies many times, and deliberately select the situation that it cannot pass,
It is possible to trigger the risk control system.
One of the customers we have served has been stamped by several companies at the same time
Of course, each insurance company cooperates with different big data institutions, risk control companies, and even risk dimensions.
The same person, maybe Company A's products are under risk control, but Company B has no problem and can successfully apply for insurance.
However, generally speaking, the more cost-effective the product, the more stringent the insurance risk control system will be.
For example, the Internet celebrity hit Super Mario series, Darwin series and other products.
Many friends may see this question:
How do I know if I'm being risked?
There is really no way to know this in advance, and you can only know whether you are controlled by risk when you buy it.
Because the risk control system of each insurance company is not public, the results are usually not seen until the end.
It is very likely that you have worked hard to choose a good product, and the underwriting has passed, and finally you are unable to buy it due to risk control.
02
What should I do if I am controlled by risk?
What if you are really careless and are controlled by the risk?
Don't worry, here are a few things you can do:
First, file a complaint with the insurance company
For risk control interception, many insurance companies have opened appeal channels.
Once the appeal is successful, you can apply for insurance normally.
Second, replace other companies' products
As we mentioned earlier, different insurance companies have different risk control systems.
Therefore, if you are controlled by Company A, you can also try the products of Company B.
After all, there are a lot of good insurance products, and you don't have to stumble on one product.
The quickest way is to consult our professional planners to book a free consultation to help you find other suitable products.
Of course, instead of getting baldness during risk control, Daddy suggests that you can reduce the probability of being controlled by risk at ordinary times:
For example, to protect your own credit, you must know that the ability of insurance companies to obtain information is still quite strong;
Don't lend your own social security card, not only is it easy to recruit black, but it is also easy to step on the pit of health notification;
At the same time, take out insurance as soon as possible and do a good job of risk protection!
The older you get, the more likely you are to have problems with your health, and the premiums are still expensive, and the gains outweigh the losses.
03
Daddy concluded
Of course, the risk control system of the insurance company is not triggered casually.
In most cases, we can be insured normally.
In addition to taking care of your credit and health,
The sooner you buy an insurance product, the better.
If you don't know how to choose, please click here to consult us~