1, find an insurance agent to buy:
It is convenient for insurance agents to buy insurance. If you have any questions, you can also meet directly for consultation.
2. Buy insurance online:
Insurance is also a commodity. You can buy insurance online, just like buying cosmetics and daily necessities online.
3. Find an insurance broker to buy:
Insurance brokers are somewhat similar to insurance agents, and they are all offline channels. Unlike insurance agents, insurance brokers can sell the products of several insurance companies at the same time.
4, telephone sales:
Common in auto insurance sales, the salesman will sell insurance to you by phone, and the general price will be cheaper than buying it in 4S shop. But in general, the service of telephone sales channels is not as good as that of 4S stores.
Insurance is a safe and reliable guarantee; Later, it was extended to a guarantee mechanism, a tool for planning life finance, a basic means of risk management under the condition of market economy, and an important pillar of financial system and social security system.
Insurance refers to the commercial insurance behavior in which the applicant pays the insurance premium to the insurer according to the contract, and the insurer bears the responsibility of paying the insurance premium for the property losses caused by the possible accidents agreed in the contract, or when the insured dies, suffers from disability, illness or reaches the age and time limit agreed in the contract.
From the perspective of economics, insurance is a financial arrangement to share the loss of accidents; From the legal point of view, insurance is a contractual act, a contractual arrangement in which one party agrees to compensate the other party for losses; From a social point of view, insurance is an important part of the social and economic security system and a "subtle stabilizer" for social production and social life; From the perspective of risk management, insurance is a method of risk management.
Insurable value
Insurable value is the actual value of the subject matter insured. According to China's Insurance Law, if the insured and the insurer have an agreement on the insured value of the subject matter insured and specify it in the contract, when the subject matter insured suffers losses, the agreed insured value shall be taken as the compensation calculation standard.
If the insured and the insurer have not agreed on the insured value of the subject matter insured, when the subject matter insured suffers losses, the actual value of the subject matter insured at the time of the insured accident shall be taken as the compensation calculation standard.
Simply put, the insured value can be determined by three methods:
(1) According to the provisions of the law and the contract law, the law and the contract law are the fundamental basis for determining the insurance value;
(2) According to the insurance contract and the agreement of both parties. It is difficult to measure the insurance value of some insurance objects, such as life insurance and health insurance. If people's health and life cannot be measured by money, the insurance value shall be agreed by both parties.
(3) Determine the insured value according to the change of market price. The insured value of some insurance objects is not always constant. Most of the subject matter will also depreciate with the passage of time, and its insurance value will show a downward trend.
insurance contract
An insurance contract is an agreement between the applicant and the insurer on the relationship between insurance rights and obligations. The applicant refers to the person who has entered into an insurance contract with the insurer and has the obligation to pay the insurance premium according to the contract. An insurer refers to an insurance company that has entered into an insurance contract with the applicant and is liable for compensation or payment of insurance benefits according to the contract.