Posted by Editor's note:This article is reproduced from the author of "Queen and Mengbao" from the media, telling her story of her own experience as a mainland insurance applicant on the road to purchase and claim settlement.The following is the full text without abridgement.
I used to be a loyal supporter of Hong Kong Insurance. I was in Hong Kong in 2015AXAI bought two insurances, one for Life Insurance of True Wisdom, and one for Connaught Serious Illness Protection.Then why do you want to force it with the Hong Kong insurance company?
Because I have personally experienced the complicated and delayed claims procedures of Hong Kong Insurance, the unprofessional salespersons, the full increase in fees, the hardship of defending rights, the hardship of surrendering the insurance, the discriminatory service attitude of mainlanders, and I suffered XNUMX million points of injury in my heart. On Baidu Tieba and Zhihu, I met many insured people who had the same illness. The same experience made me even more indignant.Decided to write about these experiences.Let everyone have a more intuitive understanding of Hong Kong insurance.
First: The claims process is quite complicated
After paying for the insurance for more than two years, the insurance consultant began to sell me the insurance for my child, asking me to come to Hong Kong for an individual inspection, and by the way, I would like to talk about the insurance plan.Therefore, under the arrangement of AXA, he was hospitalized in the Baptist Hospital for a one-night physical examination at a cost of 39000 RMB.It turned out to be a tumor in my stomach.Although 39000 did not report the full report as the consultant promised, I eventually paid out more than XNUMX yuan in my own pocket, but I am grateful. After all, I checked out the problem and prevent it from happening. It was not the consultant who took me to the medical examination. How can I check it? Come out?
If something goes wrong, of course, we need to get fast treatment. After communicating with the insurance consultant, I confirmed that the treatment costs in the mainland can also be reimbursed. I only need to provide photos of all the documents. , Re-diagnosis, surgery! (PS: The cost of the medical examination is all paid by oneself. After the reimbursement, the check will be paid by the bank. Since it is a Hong Kong hospital, the whole process is relatively quick. The check will be handed in about ten days. However, several companies will not cash it at the bank. When I went to China Merchants Bank, I had to review the insurance contracts one by one in the International Department. I signed more than N orders. It took another two weeks to get the money. It is said that this is fast.After 2016, investment-linked insurance and life insurance couldn't cash in cheques at all.The consultant said that Shenzhen's supervision is relatively strict. I want to say hehe, in fact, it is even more difficult for small cities in the mainland. )
After I was discharged from the hospital, I immediately took photos of all the documents and sent them to the insurance consultant, and then started a long wait.One month later, told me that I needed the original documents to be mailed to Hong Kong.I went to the hospital again and took all the documents to the archives department. Fortunately, it was a minor operation and the information was not complicated.After sending it to the insurance company, there was a long wait.I have urged countless times in the middle, and all I gotAmbiguouss answer.Sometimes it means that the compensation has been paid, just wait for the check.Sometimes it is said that the compensation review is now very strict and we have to wait.My patients who were discharged from the hospital basically bought commercial insurance in the Mainland, and the compensation was paid on the same day, and the problem was solved in a week.Only mine is still undergoing various audits, and everyone's surgical procedures are almost the same!After waiting for nearly eight months, Hong Kong AXA suddenly asked me to provide a "Medical Certificate of No Direct Pathological Relationship Between Acute Gastritis and Stromal Tumor". Is it simply inexplicable?What do you mean? !how to prove?The answer is that I am going to the medical school to find an expert recognized by the Hong Kong hospital to issue a certificate! ! ! ! ! !This is clearly embarrassing me! ! ! !
Then AXA sent me a letter, not a check for compensation, but a refusal of insurance and an accountability! ! !The reason is that they found that I had acute gastritis caused by unclean food in the month when I purchased the insurance, and I went to the social health center to prescribe medicine.Inferring from this, I rushed to buy insurance because I knew that I had a stomach problem. It took nearly three years before I went for the operation. It was my long-planned plan, so they not only refused the insurance, but also wanted me. Refund the cost of the previous medical examination related to the stomach part examination! ! ! !And it is not guaranteed for all stomach diseases in the future! ! ! !
Second, the reasons for refusal to compensate are varied and weird.
The reason for the refusal to compensate me is that I had acute gastritis three years ago, and all the gastric stromal tumors that are determined to be three years later cannot be compensated.A minor operation of more than XNUMX yuan, do I need to buy insurance so deliberately and wait three years for the operation?According to this theory, if you have had gynecological inflammation, Hong Kong insurance will definitely not pay for any gynecological cancer in the future, because the previous inflammation can cause cancer.If you have had pharyngitis before, then if you have throat cancer, Hong Kong insurance will not cover it, because there must be a potential connection between pharyngitis and throat cancer!You used to have diarrhea after eating unclean food, and you needed money for treatment. You deliberately cheated on insurance, and you deliberately paid the premium for three years before removing the tumor. This theory is quite convincing. As a self-proclaimed fourth-largest insurance company in the world , It's really embarrassing like thisStrong words.I am also speechless.
Later, I found a lot of similar experiences on the Internet. Not only AXA, all the reasons for refusal of insurance in Hong Kong are so fresh and refined. There is even no reason to drag it with you for a year without compensation. There is also Face urges you to pay the premium as soon as possible. Failure to pay will result in an overdue fine.It can be said to be very overlord.When I bought insurance back then, I felt that this kind of bad thing would not happen to me, but I didn’t know until I bought it. This kind of thing would happen with high probability, unless you can be safe and secure during the insurance period until you reach 100 Surrender the insurance.Otherwise, there is always a suitable one for you.
Third: The contract is ambiguous, and the protection for the people is almost zero
Before signing the contract, looking at a bunch of English and traditional Chinese, I felt dizzy. It can be said that the insurance consultant explained it to me to sign.Looking back and studying it carefully, it was really a cold sweat, and the routine was too deep.For example: personal health statement, this form is completely filled out by the insurance consultant, you only need to sign it.I have carefully consulted whether I need a medical examination.Because they were eager to sign the order to get the commission, they told me that they didn't need it, unless they had undergone major surgery and those who had been hospitalized should make a statement.No need for minor illnesses.However, when I settled the claim, I raked it down and said that you didn't truthfully report your physical condition (you might have a serious terminal illness in Hong Kong after eating midnight diarrhea).
Another example: my insurance premium for the first year was 2.8 yuan, and in the fourth year, I had to pay 3.8 yuan. Every year, I privately added the so-called anti-inflation increase.Without my consent, let alone telling it, I added it so quietly.After deduction, you will find out after reading the bill.When I found out that I was wrong and explicitly requested the cancellation of this item, all kinds of obstructions made the cancellation statement extremely complicated, and repeatedly challenged my bottom line.Also, there is a health statement in the contract. I have read carefully. What is the definition of gastrointestinal discomfort?The salesman said that he had undergone major surgery, and after the accident, even the diarrhea was regarded as stomach discomfort and he could refuse to pay for it.As long as it is beneficial to insurance companies, they can shame without a bottom line.
Fourth: Very unprofessional, super bad service
This is also an important reason why I finally decided to surrender the insurance. Buying insurance is to buy a comfortable life.The management of large companies always makes me feel more reliable, but things go against my wish.A large multinational company, from salesman to manager.Not only is he very unprofessional, he often makes some low-level mistakes, and his attitude is speechless.In the past four years, I have heard the most "sorry," "sorry," and "I made a mistake." Can you rest assured that you can hand over your money to a salesman who keeps making mistakes?
I decided to surrender the insurance. A person in charge of the insurance department can calculate the cash value. The Hong Kong dollar was mistaken for the US dollar, which caused me a heavy loss! ! !It can be said that it is reallyCommon sense is ignorant, work is lax, and despise the protection of the people.Seeing that their circle of friends is busy running around in the mainland every day, cheering and garnishing wine, cheering our compatriots, and all kinds of sisters, I feel like I bought Hong Kong insurance?Why do you feel that you have been fooled by the Hong Kong MLM?
Finally, I broke the conversation between me and the Hong Kong "gold medal salesman". I regret that there is no recording. There are many screenshots of the text version of the chat. Considering the layout, I will not upload them one by one. If you have media friends, you can ask me for them. I am willing to all Provide, let the mainland compatriots suffer less from this kind of injustice.What can you feel about this rare service attitude in recent years:
I:what?Why are there more?Didn’t the anti-inflation part say no?Didn’t it say that the cancellation is okay?
Advisor:You don’t need to be so entangled in paying a few hundred yuan a year, right? !
I:I'm entangled?Paying more than a few hundred dollars every year!Up to now, I have paid 20 more than the first year. According to this payment method, by the 20th year, I am afraid that I will have to pay more than 60 yuan a year!This is not the same as the plan you gave me at that time!Your plan for me is to pay XNUMX yuan in XNUMX years!
Advisor:I know, but I am doing it for your own good, so that you can force yourself to accumulate more wealth, lest the money becomes worthless then.
I:I don't really need it, thank you.I have other financial management plans, and I have repeatedly told you clearly that I want to cancel this additional payment.Please respect my wishes and pay according to my requirements.
Advisor:But it’s too late for you to cancel now, or I will cancel for you next year?
I:why?I told you to cancel it last year, and you said it’s okay if you know it!
Advisor:Because, our company has to go through the process. I have to send you a form first. After you sign it, send it back. Our company receives and submits one by one. It takes about 20 working days. Once the application arrives, your payment will be justified. Overdue, you will bear the consequences yourself!
I:…………(I'm really speechless, on the edge of madness, but I still try my best to restrain the urge to greet her and the whole family. After all, I can't discredit the mainlanders)
I:Is it my responsibility to be overdue?First, we have repeatedly communicated why we didn't talk about the application for this form?It's obviously too late to delay it now?Second, why impose it on me?I don’t need to apply for an increase in payment, and I don’t notify me. I force an increase in payment for me, but if I don’t pay, I need to apply. What is the logic?Third, I would like to ask what responsibilities do I need?What are the consequences?
Advisor:I am all for your good, and I kindly added an anti-inflation part to you so that you can better enjoy our AXA protection. If you have to cancel, I will cancel it for you!Then I'll sign it for you!However, the company is very formal and must go through the process. When you do not apply for it, all your protection rights and interests are invalid!
I:Which ones are invalid?
Advisor:(She's already furious, I don't understand, shouldn't it be me who is furious?) For example, if you are killed by a car now, the company will not accompany you!If you are diagnosed with cancer tomorrow and need treatment, we will not guarantee it!Do you understand?
I:Well, needless to say, I don’t need to know more. Your attitude represents the quality of your company and your attitude towards mainlanders. I will apply for surrender of the insurance.
Advisor:If you want to do this, I respect your choice, and you can surrender the insurance through the normal procedure (subtext: I got the commission early, and you have to withdraw the insurance if you have a heavy loss!)
(End of the article)
(This article does not represent the views and positions of American Life Insurance Guide.)
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