What do you mean by separate underwriting?

question 1: insurance companies can underwrite some types of insurance separately. What do you mean by underwriting separately? This single underwriting is aimed at some special products, and there is nothing specific.

Generally speaking, independent underwriting means that you can ignore the amount of products you bought in this insurance company before and conduct an independent underwriting.

For example, if you bought a critical illness insurance with a coverage of 3, in this company, but according to your age and the regulations of the insurance company, a medical examination is required for a critical illness insurance with a coverage of 5,, and you still want to buy a critical illness insurance with a coverage of 3,, you need to have a medical examination. At this time, in order to market, the insurance company has issued a separate critical illness insurance, so you can ignore the critical illness insurance with a coverage of 3,.

question 2: what is the underwriting of property insurance? hello!

insurance underwriting refers to the risk that the insurer examines the insurance application and decides whether to accept the insurance.

question 3: is it legal for the insurance company to collect the premium first and then underwrite it? Because it will directly underwrite after the underwriting is passed, and will refund the premium if it is different.

if you underwrite the insurance first, and you pay the fee after the underwriting is passed, then the underwriting cost of the insurance company needs to be digested by others, and the operating cost of the insurance company is not well controlled

Question 4: Salary quotation of insurance underwriting Generally speaking, enterprises require underwriting personnel to have 2-4 years working background in related fields, so in all kinds of enterprises, the salary is directly proportional to the working time. Generally, the monthly salary ranges from 3, to 7, yuan. According to the statistics of the city, the industry salary in Shanghai is the most promising, and the average monthly salary can reach about 6, to 7, yuan. Followed by Beijing, the gap between the two places is not big, neck and neck. In terms of welfare, the training opportunities for underwriting personnel are quite high. Especially in Shenzhen, 77% of employees enjoy the training plan, and the average training cost reaches 375 yuan, which is quite considerable compared with the training cost of other positions in the same industry.

Question 5: What is group insurance and what is individual insurance? 1. The objects of risk selection are different.

the insurer of group insurance chooses the group when underwriting. Insured groups must be legal organizations established according to law, such as various enterprises, state organs and institutions. The ratio of the number of insured persons in the insurance group to the total number of eligible persons in the group must reach the ratio specified by the insurer. Generally speaking, if the group bears all the insurance premiums, all eligible people must participate; If the group and the individual share the insurance premium, the number of insured persons must reach more than 75% of the qualified persons. In addition, group insurance may not be available for groups with less than 1 people.

the insurer of personal insurance chooses individuals when underwriting. Therefore, the focus of object selection is to examine the age, gender, occupation, health status, medical history, residence and financial status of the insured.

2. underwriting methods are different.

the insured of group insurance does not need a physical examination. After selecting the insured group, it can ensure that the mortality rate of the insured group meets the normal level, and there is no need for physical examination for individual specific insured persons. Therefore, it is convenient for the insured and saves the cost.

In some cases, the insured of individual insurance needs a medical examination and a medical institution will issue a medical examination report to help the insurer make an underwriting decision. For example, when the insurance amount exceeds a certain limit, a physical examination is required.

3. The rates are different.

the premium rate of group insurance is low. Because the insurance procedures of group insurance are simplified, a lot of expenses are saved, so the additional premium is reduced and the gross premium is naturally reduced. Moreover, the mortality rate of group insurance is relatively stable, which is basically the same as that of individual insurance, even lower than that of individual insurance, which also makes the rate of group insurance lower than that of individual insurance. This is only for the same risk group, and the average rate is reduced because of the lower additional cost. Of course, the rates of groups of different sizes are also different. The larger the group, the greater the bargaining power, and the more favorable the rates can be.

4. Different pricing methods.

group insurance is to set insurance rates for groups, and the mortality rate of the groups varies with the nature of the work of the group members. Therefore, different groups in different directions apply different rates. The rate is not only related to the nature of the work, but also related to the past claims of this group. Therefore, there is generally no agreed rate table for group insurance, and different groups are priced separately.

Personal insurance pricing is generally based on a unified life table or disease incidence table, which is unified for all standard bodies. Personal insurance generally has a unified rate table.

5. The insurance policies are different.

group insurance uses a group insurance policy. Group insurance is insured in the name of the collective, the insured is an organization, and the insurance policy used by it is a group insurance policy, that is, a general insurance policy. In the insurance policy of group insurance, it is necessary to clarify the relationship between the rights and obligations of the insured and the insurer, and the contract behaviors such as changes are carried out between the insured and the insurer. Usually, the insured pays the insurance money through the insured or a special account, and does not directly face the individual insured.

Personal insurance policy is an insurance contract concluded by a single policyholder and an insurer, specifying rights and obligations.

6. Insurance plans have different flexibility.

The policyholder of group insurance is a unit group, and the policy uses group policy, and the premium is paid uniformly. Therefore, the insurer gives certain flexibility to group insurance. In terms of the insured, the insured can be a certain individual or an uncertain individual under the agreed conditions; In the payment of insurance money, it can be a fixed payment or a non-fixed payment that varies according to the insured; In terms of insurance clauses, the insured can negotiate with the insurer on the design of policy clauses and the formulation of insurance contents.

Personal insurance adopts standard terms, not the result of free negotiation between the insured and the insurer. Under normal circumstances, the insured can neither draw up the contents of the insurance policy nor modify the contents determined in the insurance policy.

question 6: the insurance period is one year, and the guaranteed renewal period is five years. How to understand? I'm a claim adjuster of an insurance company. I'll explain it to you roughly. Of course, the insurance clauses are complicated. You have to consult the insurance clauses for details, or ask your insurance agent to explain it to you, or go directly to the counter of the insurance company to ask for an explanation, or you can call the national unified customer service phone of the insurance company to ask for an explanation.

1. Generally speaking, the main insurance is long-term insurance and the additional insurance is short-term insurance.

2. Generally speaking, additional risks are one-year insurance. At the end of one year, the insurance company can re-underwrite. If the insured is in poor health (such as high blood pressure or blood sugar), the insurance company can not renew the insurance for the second year, or ask for an increase in fees to underwrite, or agree to underwrite only after certain diseases (such as hypertension or diabetes and its complications and sequelae) are excluded.

3. If it is stipulated in the insurance contract that the guarantee renewal period is five years, that is to say, although this additional insurance is one year, after the expiration of one year, as long as you pay the fee to renew the insurance on time, the insurance company cannot refuse/increase the fee/exclude the liability for you because of the reasons mentioned in Article 2 above, and the insurance company must continue to underwrite. It is not until the expiration of five guarantees (that is, from the sixth year) that the insurance company can re-insure according to the reasons mentioned in Article 2 above.

3. Of course, this five-year guarantee renewal is not unconditional, just saying that it will not be re-insured because of your increased risk. However, for some reasons stipulated in the terms, the insurance company can still refuse insurance. Give a few examples: First, age. The general supplementary medical insurance stipulates that there is a maximum renewal age (for example, 65 years old). Although you are still in the five-year renewal period, you are over 65 years old, and the insurance company will not cover you. The second is the reason for the main insurance payment period. For example, if the payment period of the main insurance you bought is 3 years, there is no way to pay the additional medical insurance from the fourth year, so it is naturally impossible to renew the insurance. For example, the reasons for the effectiveness of the main insurance. For example, if your main insurance is surrendered or the effectiveness of the main insurance is terminated due to claims, there is no way to renew the additional medical insurance.

question 7: what are the contents and precautions of cargo transportation insurance underwriting? (The more detailed the better, the reward will be rewarded) Decision on Amending the Regulations on the Management of Road Freight Transportation and Yards

Order No.3 of the Ministry of Transport in 29

Promulgated by: April 2, 29

The Decision on Amending the Regulations on the Management of Road Freight Transportation and Yards was passed on April 13, 29.

Minister Li Shenglin

April 2, 29

Decision on Amending the Regulations on the Management of Road Freight Transportation and Stations

The Ministry of Transport has decided to make the following amendments to the Regulations on the Management of Road Freight Transportation and Stations (Order No.9 of the Ministry of Transport in 28):

Articles 42 and 75 are deleted.

In addition, the order of the articles should be adjusted accordingly.

this decision shall come into force as of the date of promulgation.

The Provisions on the Administration of Road Freight Transportation and Stations and Yards are revised accordingly according to this decision and re-released.

Regulations on Road Freight Transportation and Station Management

(The Ministry of Communications issued the first amendment on June 16, 25 according to the Decision of the Ministry of Transport on Amending the Regulations on Road Freight Transportation and Station Management on July 23, 28, According to the second amendment to the Decision of the Ministry of Transport on Amending the Provisions on the Administration of Road Freight Transportation and Stations and Yards on April 2, 29)

Chapter I General Provisions

Article 1 The purpose is to regulate the business activities of road freight transportation and road freight transportation stations (yards), maintain the market order of road freight transportation, ensure the safety of road freight transportation and protect the legality of all parties concerned.

article 2 those who engage in road freight transportation and road freight transportation stations (yards) shall abide by these provisions.

the road freight transport business mentioned in these provisions refers to the commercial road freight transport activities that provide public services to the society. Road freight transport includes general road freight transport, special road freight transport, large-scale road goods transport and road dangerous goods transport.

the special transport of road goods as mentioned in these provisions refers to the transport of goods by using special vehicles such as containers, refrigeration and fresh-keeping equipment and tank containers.

the road freight transport station (yard) as mentioned in these provisions (hereinafter referred to as "freight station") refers to the comprehensive freight station (yard), less-than-truckload freight station, container transfer station, logistics center and other business places that provide paid services for the society with the functions of warehousing, storage, stowage, information service, loading and unloading, cargo handling and so on.

article 3 road freight transport and freight station operators shall operate according to law, be honest and trustworthy, and compete fairly.

road freight transportation management should be fair, just, open and convenient.

article 4 encourages the intensive and networked operation of road freight transportation. Encourage the use of containers, closed vans and multi-axle heavy vehicles for transportation.

article 5 the Ministry of transport is in charge of the national road freight transport and freight station management.

the local people's transportation authorities at or above the county level are responsible for organizing and leading the road freight transportation and freight station management in their respective administrative areas.

road transport management institutions at or above the county level shall specifically implement the management of road freight transport and freight stations in their respective administrative areas.

chapter ii business license

article 6 an applicant who applies to engage in road freight transport business shall meet the following conditions:

(1) having transport vehicles that are suitable for his business and have passed the inspection:

1. technical requirements for vehicles:

(1) the technical performance of vehicles shall meet the national standard "comprehensive performance requirements and inspection methods for operating vehicles" (GB18565).

(2) The outline dimensions, axle load and load mass of vehicles shall meet the requirements of the national standard "Limits of Outline Dimensions, Axle Load and Mass of Road Vehicles" (GB1589).

2. Other requirements for vehicles:

(1) Those who are engaged in the transportation of large objects should have super-heavy vehicles suitable for the transported large objects;

(2) those engaged in special transportation such as cold storage and tank containers shall have special containers, equipment and facilities suitable for the goods to be transported and be fixed on special vehicles;

(3) In container transportation, the vehicle should also have a locking device to fix the container.

(2) Having drivers who meet the prescribed conditions:

1. Obtaining a motor vehicle driver's license corresponding to driving the vehicle;

2. Not more than 6 years old;

3. The municipal road transport management institutions with districts have revised the relevant laws and regulations on road freight transport ...... > >

Question 8: What's the difference between individual health insurance and group health insurance? At present, the country has implemented the system of five insurances and one gold. As far as the current situation is concerned, all employees in regular companies already have five insurances and one gold or three insurances and one gold, which greatly reduces people's life pressure. However, although the five insurance and one gold system has basically reached universal coverage, many people still don't know about insurance, such as individual health insurance and group health insurance. Although the names of the two insurances are so different, many people still don't know what the difference is. Let's discuss it today.

The applicant, the insured and the beneficiary of personal health insurance are usually the same person, and the insurer pays the insurance money directly to the insured or the medical service provider. For the insured, the main difference between individual health insurance and group health insurance is that the former has great selectivity in the level of protection. Personal health insurance appeared earlier. After years of development, both the types of business and the scale of premium income have a certain foundation in the commercial health insurance market.

the protection of group health insurance is mainly provided to the members (individuals) in the insured group. Only one master health insurance policy is required between the insured group and the insurer. The insured group can be various enterprises, companies, trade union groups and various associations. Larger insurance groups generally do not need to underwrite each member separately, and insurance contracts are relatively flexible.

in the United States, where commercial health insurance is highly developed, in 1993, the amount of personal health insurance paid by various commercial insurance companies was as high as $1.2 billion. According to 1998