04.02.2010 | 保險知識

有位舊同事轉行賣保險, 噚日見面, 佢傳授咗啲(通常啲經紀都唔會主動話你知嘅)保險知識過我, 等我唔好任由保險公司設下嗰啲蚊滋咁細, 文法曲折離奇, 誓要令人混淆嘅種種苛刻條款而蒙蔽..

• 要索償就一定要拎出正本保單, 冇保單就一切免談.. 所以記得要將保單收好呀, 而且仲要畀你個受益人知道收喺邊喎..
• 購買卅六種疾病保險者, 請記得如果患病, 必須能夠捱過三十日先可以要求賠償.. 如果咁唔好彩三十日之內瓜咗, 唔好意思, 就係咁先..
• 某些儲蓄保險話明期滿你會得到一筆數目, 而且若干年後就可以停止供款.. 當你停止供款之後, 其實保險公司係由你所累積嘅保險金度扣錢還供款.. 所以期滿之後, 你所得嘅會比你想像中少咗一大忽!!

保險業競爭激烈, 各式各樣個人保險搞到大家花多眼亂.. 好彩嘅你會遇到有良知有專業操守嘅經紀, 唔好彩嘅你就會遇到旦求hit target而不擇手段嘅經紀.. 你嘅保險經紀有冇主動同你分享行內知識, 有冇繼續保持聯絡呢??
met up with an ex-colleague of mine who is now doing insurance business, and of course he told me some insurance knowledge that most agents would not take the initiative to tell.. and i am sure many of us would not really bother to read those fine prints on your policies, so grammatically and vocabularily twisted that you will most probably be confused by the terms and conditions..

• if you want to lodge a claim, you must be able to produce the original copy of your insurance policy, failing to do that you will not be entertained.. so it's a must that you keep your policies safely and let your beneficiary aware of where they are kept..
• if you are insured on the 36 critical illness, please be reminded that you have to suffer at least 30 days from the inception of the illness before you can make any claims.. if *touch wood* you left this earth within 30 days, then that's the end of the story..
• there are those endowment insurance saying you are able to get an amount of money after the tenure, and a number of years after inception you will not need to pay premium anymore.. least of us actually know that, the premium for the following years are paid from the money you earned from the endowment.. so when the tenure is completed, you will only get an amount which is a lot less than what you've been expecting..

it's rather competitive for the insurance business nowadays, and hence you see hundreds of types of different insurance available to you.. if you are lucky, you will have a professional agent who do the best for you.. if you are not, you will just end up spending money on a "product" from an agent who only cares to hit his/her sales target.. did your agent ever share with you any insider knowledge on their industry, and still keeping in touch??