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NHỮNG LƯU Ý KHI THAM GIA BẢO HIỂM NHÂN THỌ

bảo hiểm nhân thọ
13
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Ngày nay, bảo hiểm nhân thọ là giải pháp tài chính bảo hiểm được nhiều ngưòi biết đến và lựa chọn tham gia để bảo vệ cho bản thân và gia đình. Để giúp quý khách hàng lựa chọn được giải pháp bảo hiểm tốt nhất, an tâm hơn khi tham gia cũng như thêm nguồn tư liệu tham khảo, cân nhắc, chúng tôi biên soạn một số lý do bạn cần lưu ý khi quyết định ký hợp đồng bảo hiểm.

1 Lựa chọn công ty bảo hiểm

Hoạt động kinh doanh bảo hiểm tại Việt Nam nói riêng và trên thế giới nói chung được quy định bởi luật kinh doanh bảo hiểm, và chịu sự giám sát của bộ tài chính mỗi quốc gia. Do đó, bạn hoàn toàn an tâm khi tham gia với bất kỳ công ty bảo hiểm nào nếu muốn. Tại Việt Nam tính đến thời điểm hiện tại có 18 công ty bảo hiểm hoạt động sẽ giúp bạn có thêm nhiều lựa chọn phù hợp nhất cho mình. Việc lựa chọn công ty bảo hiểm nhân thọ uy tín chính là yếu tố quan trọng hàng đầu sau khi đã quyết định loại bảo hiểm cần mua. Bạn cần tìm hiểu thông tin về pháp lý, lịch sử hình thành, mô hình hoạt động, cách thức vận hành của công ty bảo hiểm đó. Sau khi đã tìm hiểu những thông tin cần thiết của doanh nghiệp bảo hiểm và cảm thấy an toàn, phù hợp thì bạn mới nên cân nhắc đến việc mua bảo hiểm của công ty đó.

Trong số 18 công ty bảo hiểm tại Việt Nam, Bảo Việt Nhân Thọ là doanh nghiệp đầu tiên trong lĩnh vực này, với 25 hình thành và phát triển, mạng lưới rộng khắp với 76 công ty thành viên trên khắp các tỉnh thành chắc chắn sẽ mang đến cho bạn sự an tâm sử dụng dịch vụ tốt nhất. Ngoài ra, đây cũng là doanh nghiệp thuần việt, chiếm thị phần lớn nhất trong toàn ngành bảo hiểm.

2 Cân nhắc tình hình tài chính

Bảo hiểm nhân thọ là một giải pháp tài chính, nó phù hợp với mọi đối tượng khách hàng ở các mức thu nhập khác nhau và nhu cầu được bảo vệ khác nhau. Do đó, để đồng hành cùng một chặng đường dài bạn cần cân nhắc khả năng tài chính của gia đình ở mức phù hợp nhất. Theo ý kiến của các chuyê gia, bạn cần tham gia hợp đồng tối đa ở mức khoàng 15- 20 % nguồn thu nhập để đảm bảo quỹ tiết kiệm có kỷ luật cũng như có thể theo được một chặng đường dài của hợp đồng ( 5 năm , 10 năm, 15 năm, hay thậm chí là lâu hơn )

3 So sánh đặc điểm các loại bảo hiểm :

Như đã nói ở trên, các công ty bảo hiểm đều có những dòng sản phẩm thế mạnh phụ thuộc vào triết lý kinh doanh riêng, nhưng tựu chung lại, với mỗi độ tuổi, mỗi nhu cầu khác nhau của mỗi khách hàng đơn lẻ mà bạn cần phải lựa chọn sản phẩm bảo hiểm phù hợp nhất cho mình thông qua đội ngũ tư vấn. Sẽ có các gói bảo hiểm riêng cho ngưòi trụ cột gia đình, ngưòi phụ thuộc trong gia đình, thời hạn bảo hiểm hữu hạn hoặc trọn đời, các điều khoản chi trả, thời gian chờ cho các rủi ro là điều bạn cần lưu ý.

4 Yêu cầu được giải thích kỹ các quyền lợi bảo hiểm.

Trong mỗi hợp đồng bảo hiểm là tổng hòa của nhiều quyền lợi bảo vệ. Các quyền lợi hợp đồng chính, các điều khoản bộ trợ sẽ được chi trả tương ứng với mỗi loại rủi ro riêng. Do đó, bạn cần tìm hiểu kỹ khi tham gia. Một số quyền lợi bảo vệ chính : bảo vệ rủi ro tử vong, tai nạn, ung thư, chăm sóc y tế, quyền lợi miễn đóng phí.

5 Phí bảo hiểm, định kỳ đóng phí và thời gian đóng phí

Mức phí bảo hiểm sẽ phụ thuộc vào nhiều yếu tố : tuổi tham gia bảo hiểm, tình trạng sức khỏe của mỗi ngưòi. Thông thường, tuổi càng cao thì mức phí bảo hiểm sẽ càng cao. Mức phí này bạn cần cân nhắc trước khi tham gia để đáp ứng tham gia một hợp đồng bảo hiểm với đầy đủ quyền lợi cũng như ở trong khả năng đóng phí. Bạn có thể lựa chọn đóng phí linh hoạt theo nhu cầu của mình, có thể đóng hàng tháng, 3 tháng, 6 tháng, 1 năm hoặc đóng phí 1 lần cho suốt thời gian bảo hiểm.

Về thời gian đóng phí tùy thuộc vào gói sản phẩm cụ thể. Thông thường ban có thể lựa chọn đóng phí 1 lần, 5 năm – 25 năm hoặc đóng phí trọn đời.

6 Kê khai thông tin sức khỏe, thông tin cá nhân trung thực

Một nguyên tắc bắt buộc đối với việc kê khai sức khỏe khi tham gia hợp đồng nhân thọ là bên mua bảo hiểm và người được bảo hiểm trong phải kê khai trung thực tình trạng sức khỏe, tiền sử các bệnh lý. Đây là căn cứ quan trọng để đánh giá phát hành hợp đồng cũng như việc chi trả đảm bảo chính xác, công bằng khi xảy ra sự kiện bảo hiểm. Nếu trường hợp kê khai không trung thực, công ty bảo hiểm hoàn toàn có thể từ chối chi trả quyền lợi bảo hiểm.

7 Trách nhiệm trong suốt thời gian tham gia bảo hiểm

Đồng nghĩa với các quyền lợi bảo hiểm theo điều khoản hợp đồng, bên mua bảo hiểm phải có nghĩa vụ đóng phí đầy đủ, đúng kỳ trong suốt thời gian bảo hiểm. Ngoài ra, khi có sự thay đổi công việc, chỗ ở cần thông báo để công ty bảo hiểm  cập nhật thông tin hợp đồng.

8 Các trường hợp chi trả, từ chối chi trả trong hợp đồng bảo hiểm

Mỗi hợp đồng bảo hiểm đều được chi trả đầy đủ theo nguyên tắc hợp đồng kèm theo. Các trường hợp ngoài phạm vi bảo hiểm hoặc không tuân thủ đúng điều khoản hợp đồng của người được bảo hiểm thì sẽ không được chi trả.

9 Hủy hợp đồng bảo hiểm

Hủy hợp đồng bảo hiểm là điều hoàn toàn không nên. Bởi vì hợp đồng bảo hiểm là một giải pháp tài chính dài hạn. Khi bạn quyết định hủy hợp đồng có nghĩa là mọi quyền lợi bảo vệ, đầu tư tài chính sẽ hoàn toàn chấm dứt. Khi hủy hợp đồng, bản sẽ rút về số tiền bằng giá trị giải ước ở năm tương ứng của hợp đồng. Thông thường, trong 2 năm đầu tiên hợp đồng bảo hiểm chưa có giá trị giải ước, do đó số tiền bạn nhận về sẽ bằng 0.

Theo : Nguyễn Cảnh Nam – Chuyên viên Bảo Việt Nhân Thọ Đà Nẵng

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    หาเรายอมเปิดใจกับของใหม่ๆก็ราวกับเปิดโลกอีกใบ UFABET ท้าให้คุณสัมผัสโลกใหม่กับบาคาร่าออนไลน์มิติใหม่ที่การพนันที่อีกทั้งสบาย ง่าย ไม่มีอันตราย นอกจากบาคาร่า เว็บของพวกเรายังให้บริการเกมล้นหลามได้แก่ แทงบอล สล็อต ยิงปลาย พร้อมโปรโมชั่นมากเลยขอรับ

  563. การพนันฟุตบอล says:

    “พนันบอลออนไลน์” ใครๆก็ค้นหาคำนี้กันในกูเกิ้ลเพราะเหตุว่าพนันบอลออนไลน์ในขณะนี้ถือได้ว่าเกมที่ได้รับความพึงพอใจจากแฟนบอลและสาวกนักพนันเป็นอย่างยิ่ง UFABET ก็ไม่พลาดที่จะนำมาเอาไว้ภายในเว็บของพวกเรา ท่านสามารถร่วมเล่นเกมได้อย่างง่ายดายเพียงสมัครเข้าก็สามารถเล่นได้โดยทันที

  564. ดูบอลออนไลน์ says:

    คาสิโนออนไลน์เรียกว่ายุคนี้ใครๆจำเป็นจะต้องรู้จักเพราะเหตุว่ากระแสตอบรับดีมากๆในกรุ๊ปนักเสี่ยงดวงแบบใหม่ด้วยเหตุว่าเป็นที่เข้าใจกันดีอยู่แล้วว่าคาสิโนออนไลน์ง่าย สะดวก ไม่มีอันตรายสุดๆยิ่ง UFABETที่เป็นเว็บเชื่อถือได้ยิ่งเชื่อถือได้ว่า จ่ายจริงไม่มีกั๊กเลยครับผม

  565. Slot Joker says:

    ตอนนี้ผู้คนต่างมองหาวิถีทางการสร้างรายได้ที่ลงทุนน้อย UFABET คาสิโนออนไลน์ได้เก็บรวบรวมทุกเกมออนไลน์ที่ท่านรู้สึกชื่นชอบไม่ว่าจะเป็นบาคาร่า แทงบอล สล็อต ยิงปลา รวมทั้งเกมใหม่ๆที่พึ่งเปิดตัวเข้าสู่วงการเกมออนไลน์ UFABET จ่ายจริง จ่ายไว ไม่มีขั้นต่ะ

  566. แทงบอลออนไลน์ says:

    คาสิโนออนไลน์เรียกว่ายุคนี้ใครๆจำเป็นที่จะต้องรู้จักเพราะเหตุว่ากระแสตอบรับดีมากๆในกรุ๊ปนักเสี่ยงโชครุ่นใหม่ด้วยเหตุว่าเป็นที่เข้าใจกันดีว่าคาสิโนออนไลน์ง่าย สบาย ไม่มีอันตรายสุดๆยิ่ง UFABETที่เป็นเว็บเชื่อถือได้ยิ่งเชื่อมั่นได้ว่า จ่ายจริงไม่มีกั๊กเลยครับผม