保險公司(insurance company),是采用公司組織形式的(de)保(bao)險(xian)(xian)人,經(jing)營保(bao)險(xian)(xian)業務。 保(bao)險(xian)(xian)關(guan)系中的(de)保(bao)險(xian)(xian)人,享有收取(qu)保(bao)險(xian)(xian)費、建立保(bao)險(xian)(xian)費基金的(de)權利。同時,當保(bao)險(xian)(xian)事故發(fa)生時,有義務賠(pei)償被保(bao)險(xian)(xian)人的(de)經(jing)濟損失。保(bao)(bao)險(xian)(xian)(xian)公(gong)司(si)(si)銷售保(bao)(bao)險(xian)(xian)(xian)合約、提供風險(xian)(xian)(xian)保(bao)(bao)障的公(gong)司(si)(si)。保(bao)(bao)險(xian)(xian)(xian)公(gong)司(si)(si)是指經(jing)(jing)營保(bao)(bao)險(xian)(xian)(xian)業的經(jing)(jing)濟(ji)組織(zhi)。保(bao)(bao)險(xian)(xian)(xian)公(gong)司(si)(si),是指經(jing)(jing)中(zhong)國(guo)保(bao)(bao)險(xian)(xian)(xian)監督管理(li)機(ji)構批準設立,并依法登記注冊的商業(ye)保(bao)(bao)險(xian)公(gong)司(si),包括直接保(bao)(bao)險(xian)公(gong)司(si)和再保(bao)(bao)險(xian)公(gong)司(si)。當購買保(bao)(bao)險(xian)時(shi),保(bao)(bao)險(xian)公(gong)司(si)財(cai)務(wu)的穩定和健(jian)康可能是(shi)主要應考(kao)慮的問題(ti)。保(bao)(bao)險(xian)費支出通常是(shi)為了給未(wei)來多年的損失(shi)做準備(bei)。正因為如(ru)此(ci),保險(xian)(xian)公司(si)的生存能(neng)力是非常重要的。現(xian)許(xu)多保險(xian)(xian)公司(si)陷入破產(chan)(比如(ru)亞洲金融危機后(hou)(hou)的日本保險(xian)(xian)業,11事件后(hou)(hou)的美國保險(xian)(xian)業等),使它們的客戶(hu)失去了保障(或(huo)者依賴政(zheng)府(fu)保險保障基金(jin)在(zai)事故發生時獲得很少(shao)的保險金(jin))。
為(wei)了更好(hao)地保障我(wo)們的權益,要再次認(ren)真閱讀保(bao)(bao)(bao)單條(tiao)款(kuan),確(que)信(xin)自己(ji)能(neng)夠理解(jie)。要注意檢查收(shou)到的保(bao)(bao)(bao)險(xian)合同是否完整(zheng),除了保(bao)(bao)(bao)險(xian)單外,通(tong)常還(huan)包括保(bao)(bao)(bao)險(xian)條(tiao)款(kuan),現金價值表,客戶保(bao)(bao)(bao)障(zhang)聲(sheng)明書,繳(jiao)費憑(ping)證,費率表等文件。當然(ran)還要(yao)妥善保(bao)(bao)存保(bao)(bao)險單,將保(bao)(bao)險單放在安全可靠的地方,并(bing)記下(xia)公(gong)司名稱,險種名稱,保(bao)(bao)單號碼及保(bao)(bao)險金額。如(ru)有遺失或損毀,可申請掛(gua)失、補發(fa)。保(bao)險(xian)單(dan)是(shi)您購(gou)買了壽險(xian)的主(zhu)要憑證,在您向(xiang)壽險(xian)公司索賠,申請變更(geng)合同內容或其他服務(wu)時,必須要提交保(bao)險(xian)單(dan)。定期檢視保(bao)單(dan):根據您的保險需求,支付能力以及通貨膨脹等因素,定期檢查購買(mai)后壽(shou)險產(chan)品是否仍然符當前需要(yao)(yao),必要(yao)(yao)時應考(kao)慮(lv)增加或減少保額。了解投訴途徑,如果遇(yu)有不滿意的地方,可視情況分別向壽(shou)險(xian)(xian)公司,保(bao)險(xian)(xian)行業(ye)協會,中(zhong)國保(bao)險(xian)(xian)監督(du)委員會投訴。