The purpose of the insurance company to provide insurance

You must be confused when you get a call to send insurance for free.

Ms. Chen has been very upset recently. During this time, she has been receiving calls claiming to send insurance for free. "One minute the phone said that the customer automatically chose a phone number to send the insurance experience, and the other minute claimed that the bank staff rewarded me with a good credit record. Others say that as long as they are 23 to 28 years old, they can send them for free. " Ms. Chen said, "This makes me wonder if free insurance is a lie?"

The insurance company said: The purpose is to let consumers contact and experience insurance products.

I received a phone call myself, claiming to be a salesman of an insurance company. The phone said that because I belong to a customer of a certain mobile phone number, I can give away a public transportation accident insurance for free, with the insured amount of 654.38+10,000 yuan and the validity period of 3 months. When the author asked if there would be additional deductions, the salesman said that there would be no charge for giving away for 3 months, and the policy would be automatically cancelled after the expiration of the validity period. When the author agreed to underwrite the insurance, the salesman on the phone simply asked the author's date of birth, and then sent a message to the mobile phone confirming the policy, telling him that "you can log in to the company official website to inquire about the details of the policy".

Relevant persons of insurance companies said that these simple short-term accident insurance products were launched by insurance companies for free, the main purpose of which was to actively let consumers contact and experience insurance products, so that customers could enhance their personal experience and perception of insurance. "If you don't need it, consumers can take the initiative to refuse."

Accept free insurance, and be careful to renew the insurance surrender trap.

Why do insurance companies love to do free business? According to industry insiders, the insurance company's intention is to master customer information. According to reports, the cost of insurance companies to promote "free insurance" is very small. What insurance companies call "free insurance" is not that there is no need to pay premiums at all, but that insurance companies pay premiums for customers. According to reports, free insurance mainly includes personal accident insurance, traffic accident insurance and aviation accident insurance. Most of them are short-term insurance with low premium, and the price ranges from several yuan to several tens of yuan.

According to industry insiders, all the gifts are short-term insurance. From the actuarial point of view, the probability of customers going out of danger is relatively low and the insurance period is short, so for insurance companies, the cost is negligible.

Insurance experts reminded that "for free insurance bundled with credit cards or bank cards, consumers need to pay more attention to check whether the insurance will continue to be deducted by the bank after its expiration."

Some people have been cheated. According to media reports, Ms. Liu from Beijing applied for a bank credit card in the summer of 20 1 1. Shortly after opening the card, she received a phone call claiming to be a bank employee selling insurance. "You have used our credit card for several months. How do you feel? " Later, it was called rewarding Ms. Liu for her excellent credit record, and she could give away personal accident insurance for half a year for free. She also said that it only took two or three minutes to verify it with a bunch of personal information. Since the other party knows her credit card application time, card type, card number, contact phone number, address and other detailed information, Ms. Liu decided that it should be a bank employee to relax and repeatedly confirm that the insurance is "free" before agreeing to apply. After receiving the electronic insurance policy, Ms. Liu did not take it to heart.

However, in February this year, Ms. Liu was told by the bank that she needed to repay about 150 yuan that month. Because this card was hardly used this year, she thought that the annual fee was deducted. After calling the customer service staff of the credit card center, she was told that the annual fee had been waived. The inquiry shows that the transfer account is an insurance company. Ms. Liu remembered the experience of being insured, but she had never been detained before, and it had already expired. Ms. Liu felt very wronged and asked the bank to give a statement. The bank said that the agreement on handling credit cards authorized the bank to transfer money, which made it convenient for depositors to pay fees with credit cards. Ms. Liu wants to find out why the insurance company should deduct money.

Ms. Liu asked the insurance company for verification and was told that the free accident insurance had been automatically renewed for one year, and the premium was deducted monthly. Early surrender can but will not return the premium. Because some products are renewed by default without the consent of the insured, they will be automatically deducted from the credit card at maturity, and a certain premium amount will be lost if they are surrendered in advance. To this end, insurance experts remind consumers that once they accept the given insurance, they must remember the insurance period and confirm with the insurance company in advance whether to renew the insurance automatically.

Free insurance rights should be experienced, not overestimated and not relied on.

Free insurance is a promotion form of insurance companies, aiming to let consumers know and experience insurance.

Free insurance is often very simple, for example, the protection time is often short, and the coverage content and scope are limited. Experts said that while encouraging consumers to experience free insurance, they also do not advocate overestimating or relying on the role of free insurance.

Ideally, consumers can deepen their understanding of insurance through free insurance, further discover their own insurance needs, and constantly improve insurance protection. And a perfect guarantee can't be obtained only through free insurance.

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.