In life, most of us have purchased insurance, whether it is from the perspective of personal safety or economic security, insurance is essential.
Insurance, as the name suggests, is to protect against danger.
When many uncontrollable factors arise, insurance can greatly avoid people from suffering large losses. There are not a few people who buy insurance in China, but there are still many people who think that China's insurance is deceitful.
Economist Lang Xianping also said: "China's current insurance is tantamount to a scam." ”
Why?
<h1 class="pgc-h-arrow-right" data-track="3" > staff's deception and exaggeration to make you disappointed with insurance</h1>
We all know about insurance, but we don't know much about insurance. It's like buying a house, just the staff or sales staff to introduce you to what type of house the house is, whether it is sunny, what decoration is used, how good the sound insulation effect is, and so on.
Only when you buy a house and go in, you can feel whether the house is consistent with the description of the salesperson, whether there is an exaggerated component. The same is true for insurance, only when you need to use it after purchasing, you can feel whether the insurance company has deceived consumers.
Employees who do insurance work have the task of selling every month, and if they can't complete it, their wages can't be fully received. Therefore, in order to complete the task, when the staff introduces you to insurance, they will mislead you and make you feel that insurance must be bought.
For example, accident insurance refers to the medical expenses caused by accidental injuries, and when applying for insurance, some staff will tell you that as long as you are hospitalized, then the expenses incurred will be covered by insurance. When you are sick and hospitalized, you want insurance to pay, that is not possible.
People around us are buying insurance, and we often hear that aunt Wang next door has cancer, and the insurance payment is a series of down, and it doesn't cost much money at all. When the benefits appear in others, you feel the magic of insurance and have the idea that you must buy.
You are eager to buy insurance, so, under the exaggerated introduction of the staff, you feel that insurance is even more magical, and you can't wait to buy insurance.
However, when the real thing comes to you, you take insurance to claim reimbursement, only to find yourself deceived.
Your family invests a lot of money in insurance every year, but in the end they find that when they need insurance, the insurance is like a piece of waste paper. Who isn't angry that they take advantage of your lack of knowledge of insurance to trick you into reaching their mission?
Insurance has the characteristics of private customization, the staff will be based on your needs to develop, nothing is perfect, there are advantages must have certain defects, at this time, there are some staff will hide its defects from you, and when you use, you will find many of the drawbacks.
There is also a situation, that is, your health does not meet the standards of insurance, in other words, you have had some diseases, you need to go to the hospital for physical examination and other procedures, and finally be healthy to buy insurance.
In order to prevent customers from giving up buying insurance because of cumbersome procedures, those who sell insurance will tell customers that it doesn't matter, it has been a long time. So when filling out the form, I hid something from the past illness, and when the insurance company refused to pay, I regretted it.
In fact, whether from the perspective of consumers or staff, this violates the principle of good faith, the staff deceives consumers, consumers deceive insurance companies, then of course, insurance companies can justifiably refuse to pay.
<h1 class="pgc-h-arrow-right" data-track="15" > unreasonable demands that customers are not met, and promotes the theory of insurance fraud</h1>
However, we know that this is not a problem with the insurance itself, the insurance is legal and has clear legal provisions, and the reason why so many insurance frauds still occur is because some staff members do not have professionalism and professionalism.
But is it only the responsibility of the staff that causes this situation, obviously not, as a consumer, there is also a certain responsibility, such as the just mentioned when buying health insurance to conceal their health conditions, this is not self-inflicted?
When consumers buy insurance, the insurance portfolio they buy is not comprehensive enough, and when they have an accident that requires insurance claims, they are rejected by the insurance company, and some consumers' ideological and psychological behavior is extreme, and they will attribute this mistake to the insurance company.
This is not the most excessive, the most excessive is that after the consumer attributes the mistake to the insurance company, he will also hype up how the insurance company cheats the insurance to his relatives and friends, so that the relatives and friends around him also think that the insurance company is cheating people of money, which is useless.
There is also a situation that in critical illness insurance, there is a clear and complete description of major diseases, such as heart disease, which is a more serious disease in our view, but in the eyes of the medical community, there are light and heavy.
Insurance companies only pay for heavier heart disease, and for lighter cases, they do not.
In the view of some consumers, as long as it is a heart disease, even if I take some medicine, you should reimburse me, which causes the insurance company to disagree with the consumer, and it is easy to produce contradictions and disputes.
After drinking and driving, there was an accident, a car accident occurred, was sent to the hospital for emergency treatment, at this time, if you apply for insurance compensation, this is also a high probability that you will not apply for it, we all know that this drinking and driving accident is within the scope of exemption.
When consumers buy insurance, they do not see the content of insurance benefits as an important reason for misunderstanding, and there are many such cases. Some consumers have a more twisted mind, and after not getting paid, they will denigrate the insurance company, which is very frightening.
<h1 class="pgc-h-arrow-right" data-track="5" > enhance their cognition and rationally buy insurance</h1>
In my opinion, insurance is essential, and insurance has strict implementation standards, and when buying insurance, we must look at it with a rational eye and do not let the insurance company take responsibility for our own rigor.
Compared with others, the practicality of insurance is the most important, before buying insurance, you must have a deep understanding of insurance, understand what kind of insurance you want, do not just listen to the insurance personnel to introduce you to what insurance is like.
Isn't it also good for you to listen to people sell cosmetics in the live broadcast room? How good it is, only when you buy it, you know it, but before you buy it, you have to have a deep understanding of it, otherwise 80% of the money you bought back is not suitable for you.
In my opinion, buying insurance does not necessarily have to find an acquaintance, and finding a professional and very responsible person is much more reliable than an acquaintance. Sometimes, the more acquaintances, the more they want to pit you, let you spend money unjustly, and do useless things.
After buying insurance, you must have some clear understanding of the insurance you buy, do not always apply for compensation based on subjectivity, so that if it is difficult to pay, it will only cause unnecessary contradictions, and the insurance company will bear false charges.
We know that dangers in life are everywhere, from major illness accidents to fevers and colds, which can be within the scope of claims. It is not insurance that deceives people, but people who want to deceive insurance. Hopefully, we don't misunderstand the insurance system and insurance companies because of the words of others.