关于保险 Renewal （也请资深保险agent进来讲解）

天狼战士

""notwithstanding any pre-existing agreement to the contrary, this supplementary contract will be conditional renewable (as described under the hospitalization section provision), subject to the terms and conditions of termination of the supplementary contract provisions, on each policy anniversary of the basic policy, by payment of the cost of insurance by the insured person/owner in advance at the rate fixed by the company at the time of renewal. the cost of insurance of this supplementary contract is not guaranteed and we reserve the right to revise or adjust it at the time of such renewal by giving you  ninety days notice in writing by ordinary post to the owner's last known address in the company's record and such revision or adjustment will be applicable from the next renewal of the supplementary contract.""

""you may renew this supplementary contract without further evidence of insurability by advance payment of the appropriate annual premiums. the premium is not guaranteed and we reserve the right to revise or adjust it according to our applicable premium rate of the life insured at the time of such renewal by giving you ninety days notice in writing by ordinary post to the owner's last known address in the company's record and such revision or adjustment will be applicable from the next renewal of the supplementary contract.""

最近接触了一家保险公司investment link的医药保障计划，保障可以说是很好，医药保障可以做到没有lifetime limit，因该是目前市场上唯一的，但这两段句子出现在保险的policy，是不是对受保者很不利？有没有可能一旦做出任何claim过后，公司会要求增加保费或不再保claim过的病症?就是所谓的不guaranteed renewal？
这样的保单条件，是不是不值买下去？

**我在另一家保险公司的policy却读到这样的句子：
the renewability of this annexure is guaranteed except in the event of fraud, provided the service charges and insurance charges for the policy is fully paid and the policy is in force.

kteng7739

subject to the terms and conditions of termination of the supplementary contract provisions

subject to the terms and conditions , 保客永远不知道term and condition 指的是什么？
如果一份合约， subject to the terms and conditions(that list in table a,b,c)

kteng7739

如果你有这两间公司的保单， 看看最后几面有没有一些可以把前面的变成废话

天狼战士

如果你有这两间公司的保单， 看看最后几面有没有一些可以把前面的变成废话
kteng7739 发表于 23-4-2011 10:49 PM

读完了都没有。
这两段句子一直强调cost of insurance/premium not guaranteed，和他们reserve the right to revise or adjust it ，他们只要寄信通知保客就能了。。

[风]少爷

读完了都没有。
这两段句子一直强调cost of insurance/premium not guaranteed，和他们reserve the  ...
天狼战士 发表于 23-4-2011 11:05 PM

    ILP 的cost of insurance/premium  一向来都是 not guaranteed 的。。

约翰113

天狼，的确有这类型的保单，但他们的回酬不高，而且很多人因为“贪” 那个unlimited life time claim而购买这保单，你的budget是多少呢？重视保障比较多还是储蓄比较多，谢谢