Common sense: what is "preservation" in insurance?

writing | Ellen Jiang

 

Maybe everyone has experience in buying insurance , But for Insurance “ Preservation ” But I don't know much about it . Let's talk about it today .

What is insurance preservation ？

Preservation means that the insurance company changes the contract 、 After sales service for annuity or expiration payment . The popular saying is that the insurance company makes the customer's policy valid , At the request of the customer , Change the policy , And then serve our customers . Preservation involves many details of the insurance we buy , It plays a vital role in the continuous effectiveness of the insurance policy .

How to preserve individual insurance policies ？

After buying insurance , We often encounter the following problems ：

Wrong information , Bank card account 、 Phone number 、 address 、 Beneficiary change, etc .

Now , We need to change the insurance policy , Ensure that the insurance policy information is consistent and accurate with the actual situation . And these operations , All belong to “ Preservation “ Category .

Today, , The preservation operation of personal insurance policy , Almost all can be done online , Such as APP\ Small program etc. . After preservation , The insurance company will issue an updated policy or endorsement or annotate the changes , To confirm the completion of the change . If there is a problem , You can contact the customer service hotline of the insurance company for consultation .

How to preserve group insurance policies ？

Preservation changes of adding and withdrawing insurance caused by personnel changes in group health insurance , It is the most common security service item , There is also a change in the name of the institution 、 Change of company address . And for the preservation of Group Insurance , The insurance agent of the company needs to contact the insurance customer service specialist , Inform of the need for change , Application for preservation . The customer service specialist will reply to the preservation materials that need to be submitted , After the materials are collected and fed back to the insurance company , The insurance company will underwrite , Underwriting sends the preservation endorsement to the customer , thus , Preservation completed .

It should be noted that , Preservation applications usually have a retroactive period , The policy operator should pay attention to whether the effective date of preservation is within the retroactive period . It is suggested that the company's insurance policy operator should maintain communication with the customer service specialist , Make preservation in time .