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随着参加保险的家庭、个人日 趋增加,很多人对保险公司有一种投 保容易索赔难的感觉。 索赔是指购买保险的人不幸发 生保险事故而要求保险公司兑现合同 的行为。一些曾经买过人身保险的客 户,由于分不清保险责任、对险种认 识不清、保险知识不清楚、赔偿手续 不明白等种种原故,没能得到保险公 司的理赔而形成认识上的误区。当 然,导致索赔难的原因是多方面的, 有关专家指出,除去极少数人恶意骗 保的因素外,主要原因是很多保户不 清楚保险条款而陷入索赔的误区。
As the number of families participating in insurance increases with each passing day, many people find it hard to insure insurance companies. Claim refers to the insurance company in the unfortunate occurrence of an insured person who insures the insurance company in fulfilling the contract. Some customers who had bought life insurance failed to understand the misunderstandings because they could not find out the insurance responsibility, they did not know the insurance clearly, the insurance knowledge was not clear, and the compensation formalities were not understood. Of course, the reasons for the difficulties in claiming are manifold. Some experts pointed out that except for a few malicious fraudsters, the main reason is that many policyholders are not aware of the terms of the insurance and are caught in the wrong part of the claim.