保險公司(insurance company),是采用公司組(zu)織形式的保(bao)(bao)險(xian)人,經營保(bao)(bao)險(xian)業務。 保(bao)(bao)險(xian)關系中的保(bao)(bao)險(xian)人,享有收取保(bao)(bao)險(xian)費、建(jian)立(li)保(bao)(bao)險(xian)費基金的權利(li)。同時,當(dang)保(bao)(bao)險(xian)事故發生時,有義(yi)務賠償被保(bao)(bao)險(xian)人的經濟損失(shi)。保(bao)(bao)(bao)險(xian)(xian)公(gong)司銷售保(bao)(bao)(bao)險(xian)(xian)合約、提供風險(xian)(xian)保(bao)(bao)(bao)障的公(gong)司。保(bao)(bao)(bao)險(xian)(xian)公(gong)司是(shi)指經(jing)(jing)營保(bao)(bao)(bao)險(xian)(xian)業的經(jing)(jing)濟(ji)組(zu)織。保(bao)(bao)(bao)險(xian)(xian)公(gong)司,是(shi)指經(jing)(jing)中國保(bao)(bao)(bao)險(xian)(xian)監督管理機構批(pi)準設立,并依法登記注(zhu)冊的(de)商(shang)業保(bao)(bao)險(xian)(xian)公(gong)司,包括直接保(bao)(bao)險(xian)(xian)公(gong)司和再(zai)保(bao)(bao)險(xian)(xian)公(gong)司。當購買保(bao)(bao)險(xian)(xian)時(shi),保(bao)(bao)險(xian)(xian)公(gong)司財務的(de)穩定和健(jian)康可(ke)能是主要應考慮的(de)問題。保(bao)(bao)險(xian)(xian)費支出(chu)通常(chang)是為了給未來(lai)多年的(de)(de)損(sun)失做準備。正(zheng)因為如此(ci),保(bao)險(xian)(xian)公司(si)的(de)(de)生存能力是非常(chang)重要的(de)(de)。現許多保(bao)險(xian)(xian)公司(si)陷入破產(chan)(比如亞洲金融(rong)危機(ji)后(hou)的(de)(de)日本保(bao)險(xian)(xian)業(ye),11事件后(hou)的(de)(de)美國保(bao)險(xian)(xian)業(ye)等),使它們的客戶失去了(le)保障(zhang)(或(huo)者依(yi)賴政府保險(xian)保障(zhang)基金(jin)在事故發生時獲得(de)很少的保險(xian)金(jin))。
為了更好(hao)地保障(zhang)我(wo)們的權(quan)益(yi),要(yao)再次認(ren)真(zhen)閱讀(du)保(bao)單條款,確信自己能夠理(li)解。要注意檢查收到的保(bao)險合同(tong)是否完整,除了保(bao)險單外,通(tong)常還包括保(bao)險條款,現金價值(zhi)表,客戶保(bao)障(zhang)聲明書,繳費憑證,費率表等文件。當然還要妥(tuo)善保(bao)存保(bao)險(xian)單,將保(bao)險(xian)單放(fang)在安全可靠的地方,并(bing)記下(xia)公司名(ming)稱,險(xian)種名(ming)稱,保(bao)單號碼及保(bao)險(xian)金額(e)。如有(you)遺失或(huo)損毀,可申(shen)請(qing)掛(gua)失、補(bu)發。保(bao)險(xian)單(dan)是您(nin)購買了壽(shou)(shou)險(xian)的主要憑證(zheng),在您(nin)向(xiang)壽(shou)(shou)險(xian)公司索賠,申(shen)請(qing)變更(geng)合同(tong)內容(rong)或(huo)其(qi)他服(fu)務(wu)時,必須要提交(jiao)保(bao)險(xian)單(dan)。定期檢(jian)視保(bao)單(dan):根據您的(de)保險需求,支付能力以及通貨膨(peng)脹等因素,定(ding)期檢查購買(mai)后壽險產品(pin)是否仍然符(fu)當前(qian)需要,必要時應(ying)考(kao)慮增加或減少(shao)保額(e)。了解投訴途(tu)徑,如果遇有不滿意的地方(fang),可視情況分別(bie)向壽險(xian)公司(si),保險(xian)行業協會,中國保險(xian)監督委(wei)員會投訴。