*English version below*
保險分長期及一般.
長期保險指, 保險計劃通常都係長遠(視計劃而定, 都會有時間限制), 終生, 及/或可以傳承(轉讓)給其他人. (通常都係個人保險)
保費通常固定 (都有每年增加, 視計劃而定), 例如人壽, 危疾, 儲蓄. 唔同計劃下, 係退保時 有/無現金價值.
保險公司不能單方面取消張保單 (除非出現隱瞞,詐騙行為等)
一般保險指, 保險隔左某段時間(通常一或兩年)後, 通常要續, 保險先會繼續生效. (自己中途取消唔會有保費拎番)
每一次保單就完結時保險公司通常都會發一個續保通知書問申請者要唔要繼續購買.
保費有機會因為受保人年齡, 職業, 受保物件的年份等等多樣情況下作出調整 (重新核保). 也有可能通知申請人不再受保(通常因為受保人/物出現左高風險), 醫療保險除外 (醫保比較特別)
例如個人醫療保險, 汽車保險, 家居保險, 公司勞保, 旅遊保險等等.....
係商業項目管理 (Project Management) 中, 當發現負面風險(negative risk)又不能避免或減底風險時, 有時決定會將呢個負面風險作出轉移 (transfer risk), 而其中就轉去到保險公司身上. 當中包括商業險, 產品責任保險, 第三者保險等.
除左商業保險外, 其他如家居保險, 個人保險亦如是。
咩時候需要買保險？ (係非商業世界下) 當您個刻(通常有事發生時)就覺得有需要。而呢啲時候往往都無可能買到保險。(已被視為高風險, 冇可能仲俾您買又要賠一大筆錢俾您吧?)。
個人保險(長期及醫療保險), 已購買的保單情況下不會因為受保人有事而不再續保.
但一般保險例如汽車保險，申請人係好大機會於續保時被拒絕續保. 如果一間拒保, 其他拒保既機率都非常之大.
而係某啲一般保險、保險公司會要求申請人需要做啲野去減底風險先可以購買或續保。
買保險係為左保障, 係您控制唔到既情況下, 可能發生既事情。 (包括投資而去買儲蓄保險因為自己唔識或冇時間). 至於係買左之後關於索償既問題就係另一樣野續一探討. 有興趣想討論下可以過黎整車個陣一齊傾下.
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Long term insurance refers to a long period of time (depending on policy, it can have short period), a life long, and/or from generation to another generation period of time. (Normally personal insurance).
Premium is normally fixed (depending on policy, it could be increasing premium), e.g. Life insurance, critical illness, saving etc. Some policy may / may not have cash value upon canceling policy.
Insurance company normally cannot cancel the policy on its own (unless fraudulent, hiding important information etc)
General insurance refers to insurance policy that needs to be renewed after a certain period (normally 1 - 2 years) in order to continue the insurance policy. (no refund will be made if cancel policy)
Insurance premium may be adjusted due to insured age, job, objects' age etc. It may also send out rejection letter to applicant that the insurance company no longer accept the insured object. (except medical insurance, which is different from other general insurance.)
General insurance examples include: personal medical insurance, vehicle insurance, home insurance, employee compensation insurance, travel insurance etc...
(in the business world) Under Project Management, risk response for negative risk, sometimes decisions will be made to transfer the risk to third party (e.g. insurance company). This includes product liability, third party insurance etc.
Transfer risk method also applies to your own belonging, and personal.
When is the time to purchase insurance？ (non business world) The moment when you think of in need to purchase insurance is normally the moment when something has happened. And that's the time you most likely cannot purchase any. (Considered as high risk)
Already purchased long term insurance (and medical) policy will not be affected after something has happened. But general insurance e.g. vehicle insurance may have a chance to reject applicant for renewal under high risk. Once you got a rejection letter, you have a high chance to get rejected by other insurance companies.
Some other general insurance may request applicant to do something to reduce risk before offering and accepting for purchase.
Insurance is to protect you under uncontrollable, undesired situation that might happen. (include purchasing saving insurance that's treated as investment to those who do not know how to or have time invest). Insurance claim is another big topic. Feel free to discuss with me when you come for services.
