The nature of life insurance is good and humane, but some people have turned this industry into an obsession for customers.
Customers need to read the terms carefully before purchasing insurance - Photo: TTD
That is one of many readers' opinions about the series of articles "As difficult as claiming... insurance benefits".
Dizzy with insurance contracts
"Before buying, the insurance agents praised the insurance company a lot. When something happened, they kept quiet and ran away. Not many people dared to stand up to protect their customers from the company," reader Diem My expressed.
Fed up with insurance companies, reader Hieu shared: "When I bought the right insurance, I was treated like a god, but when I asked for compensation, I was tortured by having to ask for one document after another, but still no compensation."
According to reader Anh Vu, the nature of life insurance is good and humane, but some people have turned this industry into an obsession for customers.
A life insurance contract that is nearly 100 pages long and full of complex, ambiguous financial terminology... is like trying to push the difficulty onto the buyer.
"The meaning of insurance is always right. Only the executors want to be right or wrong" - a reader with the account aq***@yahoo.com commented.
Meanwhile, reader Lao Vui believes that the meaning of insurance is not wrong, only people do it wrong. This incident needs to be rectified so that participants can enjoy their legitimate rights.
According to reader Chung Phuong: "The crime of insurance fraud, if only applied to customers, is too unfair in a fair business relationship between two parties.
If insurance companies are found to have intentionally not paid or made things difficult for customers, they must also be criminally prosecuted. Otherwise, people will have difficulty believing in insurance."
Adding his opinion, reader Huy wrote: "Life insurance is only sold to those who do not have underlying medical conditions. Therefore, when participating in insurance, you need to honestly declare your health status. Customers have 21 days to read and consider the contract, no one forces them."
Reader Hoa Huong Duong said: "Many people buy insurance without knowing or without reading the insurance rules carefully before deciding to buy.
This is an inseparable appendix of the insurance contract that clearly states the terms and conditions. Don't wait until a claim occurs to find out that the insurance broker did not clearly state it."
Solutions from insiders
Complicated contracts, unclear terms... leading to different interpretations are the main causes of disputes between insurance buyers and sellers.
Therefore, reader Nguyen Ha suggests that the contract must be concise, clear, and distinct, without using ambiguous terms that can be understood in any way.
Reader Minh thinks that the insurance contract must clearly state the insurance exemption conditions, otherwise the insurance company must pay compensation.
"There should be sanctions against insurance companies if they are found to be deliberately making it difficult for buyers to pay.
"Insurance companies don't just pay if they want to, if they don't pay they make things difficult for us," reader Hoang Hung commented.
Reader Phuc An asked: "I don't know how the agencies protecting the rights of insurance participants demonstrate their role in the above cases?".
Therefore, reader Van Long suggests that consumer protection agencies must also be stronger and more independent to be able to speak up when needed.
"Just having a regulation on refusing insurance and being wrong will result in a fine 30 times higher. When there is a penalty mechanism, there will be authorities to support customers," reader P suggested.
Reader Tuyendcc commented: "It is always stipulated in the law that an insurance contract cannot be longer than 30 pages and no longer than 10,000 words, let's see if they can still stuff in confusing words."
Source: https://tuoitre.vn/bao-hiem-dung-chi-ngot-ngao-luc-ban-dau-20241130113802213.htm
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