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现代社会生活节奏越来越快,一般人很少有时间去仔细研究比较那些复杂琐碎的保险合同,可是又不愿糊里糊涂地去买保险。因此,面对日益丰富多彩的保险市场,要想轻松准确地运用保险,务必学会选择、利用保险中介人。对于我国保险市场来说,特别是对于保户来说,保险中介人还是最近几年发展起来的新生事物,虽然在管理上、业务上都有待于完善和加强,但它将是未来保险人与投保人之间的一座桥梁。笔者从投保人如何选择保险中介的角度谈谈几点认识。 一、保险中介人的职业优势 首先,由于保险中介人来自社会的各个层面,具有主动服务的意识,且比较熟悉保险公司的销售、核保、理赔、追偿等方面的情况,可帮助人们制定较合理的保险计划。其次,一般人都缺乏保险专业知识,保险中介人可免费提供专业化的服务,如帮助投保者理解保险条款的含义,选择附加条款,办理各种烦琐的手续,以及代收保险费等。对保险公司来讲,通过
The pace of life in modern society is getting faster and faster, and most people rarely have time to carefully study and compare those complex and trivial insurance contracts, but they are reluctant to muddle through to buy insurance. Therefore, the face of an increasingly colorful insurance market, in order to easily and accurately use the insurance, be sure to learn to choose, the use of insurance intermediaries. For China’s insurance market, especially for policyholders, insurance intermediaries or new things developed in recent years, although the management, the business needs to be improved and strengthened, but it will be the future insurer and A bridge between policyholders. The author from the policyholder how to choose the perspective of insurance intermediary to talk about some understanding. First, the occupational advantages of insurance intermediaries First of all, as insurance intermediaries from all sectors of society, with the initiative to serve the awareness and more familiar with the insurance company’s sales, underwriting, claims, recovery and other aspects of the situation can help people to develop more Reasonable insurance plan. Second, most people lack insurance expertise. Insurance intermediaries can provide free professional services such as helping insurance providers understand the meaning of insurance clauses, choosing additional clauses, handling various cumbersome procedures, and collecting insurance premiums. For insurers, pass