Freight Insurance Insurance Four Steps

1. Carefully fill in the proposal

(1) Fill in the “Proposal Form” in person and inform the relevant matters on the security book should be truthfully informed; do not hide or leave out to ensure the rights after insured.

Article 16 of the "Insurance Law" stipulates that: In entering into an insurance contract, the insurer shall explain to the insurer the terms of the insurance contract, and may inquire about the subject-matter insured or the insured, and the insurant shall truthfully inform.

If the insurant intentionally conceals the facts, fails to perform the truthful disclosure obligation, or fails to perform due to negligence, the fact that the insufficiency of truthful disclosure is sufficient to affect the insurer's decision whether to agree to underwriting or raise the insurance premium rate, the insurer shall have the right to terminate the insurance contract.

If the insurant intentionally fails to perform the obligation of truthful disclosure, the insurer shall not be liable for indemnities or insurance payments for the insurance accident that occurred before the termination of the insurance contract, and shall not refund the insurance premium.

If the insurant fails to perform the obligation of truthful disclosure due to negligence and has a serious impact on the occurrence of an insured event, the insurer shall not be liable for indemnities or insurance payments for the insured event that occurred prior to the termination of the insurance contract, but may refund the insurance premium.

(2) The “applicant (signature)” column of the insurance book should be personally signed or stamped, and the insured person should be personally signed or sealed in the “insured (signed)” column.

Article 55 of the "Insurance Law" stipulates that a contract that uses death as a condition of paying insurance premium shall be invalid if the insured person's written consent is not agreed and the insured amount is approved.

2. Request the first payment receipt
Before the insurance company has issued the insurance policy, together with the insurance statement, when paying the first-period insurance premium, the salesman should request the insurance company to issue the temporary receipt or premium receipt issued by the insurance company. To ensure your interest in insuring, it is best not to receive a receipt from a salesperson in the name of an individual or any other person.

3. Ask for a policy and carefully review the contents of the policy
You will receive a formal insurance policy within one month after you complete the insurance policy and pay the first period premium (except in exceptional circumstances). After receiving the insurance policy, you must carry out a careful review and identify any errors or errors, and ask the salesman to promptly send a correction to the insurance company. If you confirm the policy is correct, please fill in the policy receipt and return the salesman to the company to ensure your rights and interests.

4. Use contract revocation right

The policy revocation right means that the insurer applies to the insurance company for cancellation of insurance within 10 days from the date of receiving the life insurance policy, and the insurance company will refund the collected premium in full. In order to ensure the smooth exercise of this right, please note that: (1) When receiving the insurance policy, it is necessary to fill in the policy receipt. Insurance companies generally use the date of receipt as the date of receipt of the policy; (2) The insurer's exercise The right of revocation of contract can be irrespective of the reason for revocation, but it must be stated in writing and the verbal application is invalid. (3) The clerk may block the revocation rights of the clerk due to the revocation right of the clerk. At this time, you can apply directly to the insurance company.