What routines have you seen in insurance?

To tell the truth, people who follow the routine are always people, not insurance clauses, and insurance itself will never have routines.

As an office worker who has worked in the insurance industry for eight years, I saw this hot news for the first time and understood the behavior of insurance companies. At the same time, I think it's a pity that customers can't lose money. In fact, when an insurance company concludes an insurance contract, it is also to avoid some disputes over the insurance it sells. With the contract and terms, the interests of both parties to the contract can be better bound. So this matter can only be said to be two-sided. The insurance company has no clear terms, and the customer has not seen the terms of the contract clearly.

This is definitely not a customer problem. Similarly, insurance companies have their own rules when concluding contracts, but often every employee will not be particularly detailed when explaining insurance clauses to customers. It is impossible to read all the terms in the contract to customers, and sometimes customers need to read them themselves, but often customers don't have time to read them carefully, which lays a hidden danger. As a non-professional, customers understand that I buy them.

Most of the similar problems I have seen in my life are not because of the insurance problems of insurance companies, but mainly because of some dishonest behaviors of insurance salesmen. As an insurance salesman, you don't need a high degree of education, but you can do sales with a certain eloquence, which leads to uneven quality of insurance salesmen. Many salesmen recommend to customers without knowing the insurance terms, which will lead to various problems, but the general customers will not go to a salesman but to the insurance company theory, resulting in a poor reputation of the insurance company.

For example, the most common problem with bank insurance may be the salesperson. When many people go to the bank counter to save money, they will recommend various financial management around some staff. They will really tell you whether it is bank financing or insurance, but the voice is not big. After listening to the introduction, ordinary young people can tell whether it is bank financing or bank insurance financing. However, due to the poor ears of the elderly, they often mistakenly think that they have handled the term products in the bank or bought bank financing. However, when they get the contract back and show it to their children, most elderly people will choose to return it accompanied by their children. This is also some routines of bank insurance, mainly aimed at some rich elderly people, so that they can apply for some financial bank insurance. Most of these insurances are long-term and the interest rate is not high, so the only income may be stability.

Some guaranteed insurance routines are also misled by sales staff. Whether it is accident insurance or illness insurance, the insurance contract is clearly written, such as when you can pay for it and what kind of illness you can pay for it. However, for your own performance, insurance salespeople often exaggerate the protection content with customers and even talk about some highlights, never talking about some unfavorable terms for customers, resulting in many customers not finding problems after receiving the insurance contract and making follow-up claims or.

When I was at work, the sales staff of the company had similar behavior. For example, a clause of critical illness insurance and critical illness insurance often only pays for some diseases agreed in the contract, such as malignant tumor, chronic viral hepatitis, uremia and so on. These diseases are very serious, so salespeople tell customers these terms when they sell, and most customers are often not very interested. Not everyone has similar patients around them. Unable to empathize, they usually ask whether to pay for minor illnesses, such as stomach diseases and cervical spondylosis. Some daring salesmen will say that these diseases are paid, which is why they create deception and routines in order to complete sales tasks, and the problems that appear later are particularly difficult to deal with.

On the other hand, in fact, all walks of life have routines. People should distinguish these routines by themselves, and at the same time, they should prevent them from happening. Before you do anything, you should be responsible for yourself and for each other. If there are terms, they must read them clearly.