Due to the short development time (the first formal company was established in 2000), the unique situation of insurance companies, low concept popularization and relatively small scale strength, there is indeed a considerable gap between China's insurance brokerage industry and foreign countries. Facing consumers, the highly developed insurance brokerage services are mainly concentrated in a few industries.
Among them, the most prominent embodiment is in the risk management of the education industry.
As mentioned above, the case of insurance brokers successfully safeguarding the rights and interests of the insured and the insured is not news abroad, but it is really difficult to find relevant cases in China. What we find most is how insurance brokerage companies protect the legitimate rights and interests of students, parents, faculty and even the whole school in the education industry.
There is such an ordinary case. A primary school student was bitten by a dog while playing by the river. Later, his parents took him to the hospital and spent more than 2900 yuan. The student had been insured by Xue Ping Insurance before, but in the process of claim settlement, the insured insurance company thought that it was only necessary to pay the 200 yuan vaccination fee in one lump sum, and the rest expenses were not included in the student's comprehensive insurance claim.
What shall we do? I can guess many people's ideas, so I'd better forget it. Complaints are troublesome if you don't know the terminology. Moreover, the premium of "Xue Ping Insurance" itself is low, and it is good to get compensation. ...
No, there will be no "3 15" spirit. Fortunately, the student's "Xue Ping Insurance" was purchased by signing a broker entrustment agreement with an insurance brokerage company-Beijing United Insurance Brokerage Co., Ltd. (hereinafter referred to as United Brokerage). The joint broker understands the situation after reporting the same case to the broker, and thinks that the insurance company's claim amount is unreasonable. The student's hospitalization is an accident caused by animal injury, which belongs to the insurance responsibility under the accidental medical treatment of student Ping An Insurance, and the insurance company should pay the reasonable expenses incurred by the student due to the injury.
Finally, after communication, the insurance company agreed to the joint broker to handle the opinion, and actually paid 1 155.5438+08 yuan except for the self-funded part and the basic medical insurance part.
This is an ordinary case that may happen to anyone, and the brightest part of this case lies in this: insurance brokerage companies can provide legal rights protection for all insurance consumers and customers under any circumstances by providing professional services with positioning.
Of course, in fact, it is not only an ordinary case, but also a joint broker plays an active role in major cases with very high social exposure, helping the government and educational institutions to minimize the adverse effects, and at the same time providing professional risk management services for the legitimate rights and interests of students, parents, faculty, school institutions and other educational customers.
Fortunately, the role and significance of the insurance brokerage industry has gradually spread among the government, society and consumers, and signs of its development can be seen everywhere: the regulatory authorities have accelerated the issuance and supervision of licenses, the capital market is chasing insurance brokerage assets, and developing their own insurance brokerage services has become a common choice for well-known companies in the industry. It can be predicted that in the near future, insurance brokers, like housing brokers, futures brokers, fund brokers and even star brokers, will become a common way for consumers to obtain job security.
The insurance industry will be the crown of the national financial field in the future, and the brokerage company is the jewel in this crown. If insurance companies reflect the hard power of a country's insurance industry, then brokerage companies reflect the soft power of a country's insurance industry. It is not only the rational choice of consumers, but also the inevitable trend of market development to fill the shortcomings of brokers. There is a long way to go to achieve this goal.
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.