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小常识:保险中的“保全”是什么?
2022-07-06 14:05:00 【clema888】
文 | Ellen Jiang
可能大家都有购买保险的经验,但对于保险中的“保全”却不太了解。今天就来给大家讲讲。
什么是保险保全?
保全是指保险公司围绕契约变更、年金或满期金给付等项目而开展的售后服务工作。通俗的说法就是保险公司为使客户的保单有效,在客户的要求下,对保单进行变更,进而为客户服务。保全涉及到我们所购买保险的很多细节,对保单的保障持续有效起到至关重要的作用。
个人保单如何做保全?
购买保险后,我们经常会遇到以下问题:
信息填写错误,银行卡账户、手机号码、住址、受益人变更等。
这时候,我们需要变更保单内容,确保保单信息跟实际情况一致准确。而这些操作,都属于“保全“范畴。
现今,个人保单的保全操作,几乎都可以通过线上完成,如APP\小程序等。保全完成后,保险公司会出具更新的保单或者批单或者批注变更内容,以确认变更完成。如遇到问题,可联系保险公司的客户服务专线进行咨询。
团体保单如何做保全?
团体健康保险中人员变化产生的加保和退保的保全变更,是最常见的保全服务项目,还有机构名称变更、公司迁址变更等。而对于团体保险的保全,公司保险经办人需要联系对接的保险客户服务专员,将变更的需求告知,进行保全的申请。客服专员会回复所需要提交的保全材料,待材料收集完成并反馈至保险公司后,保险公司会进行核保,核保通过将发送保全批单给到客户,至此,保全完成。
需要注意的是,保全申请通常有追溯期,保单经办人需要注意保全的生效日是否在追溯期内。建议公司的保单经办人与对接的客服专员保持沟通,及时做好保全。
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