Conscientious enterprises: all went bankrupt and donated money to the disaster area

"My wife bought a related medical insurance two days ago." Gao Hai said solemnly: "I opened it when I was free and had nothing to do. There are many hidden clauses in this contract that are difficult to detect."

The so-called hidden terms are stipulated in the contract.

But it is not stipulated in normal text, but supplemented by brackets or extremely small text.

When sellers sell insurance, they usually do not explain this part in detail.

The policyholder signed the relevant contract without his knowledge.

When I needed to use insurance, I was reminded of the hidden terms.

As a result, there is no way to obtain normal compensation.

Such cases have accumulated a lot, and there is often a saying in the society that insurance companies do not pay for two things, neither for this nor for that.

A general insurance contract will have more than ten pages.

Not many people will read the entire contract patiently, which also gives the insurance company a chance to speculate.

"What hidden terms?"

Su Mu asked solemnly.

"The first is the treatment hospital. The hidden clause stipulates that the hospital for treatment must be our Dawu Hospital, otherwise the claim will not be paid.

The second is the type of disease. The hidden terms avoid dozens of common cancers.

Then there is the insurance period. If there is a recurrence, the insurance company will not pay the claim.

This is the insurance contract for my wife, you can take a look. "

Su Mu took the contract and looked at it.

The situation is similar to what Gao Hai said.

These insurance companies played a trick.

The disclaimer clause is reminded in extremely small font.

Only patients receiving treatment at Dawu Hospital can apply for compensation through due procedures under certain types of cancer.

Otherwise, the claim for compensation will not be accepted.

Chapter 183 Decision to invest in insurance

How shameless is this contract?

The first is the issue of designated hospitals.

The current beds in Dawu Hospital have been scheduled for half a year.

In other words, if cancer is detected and the line is started, it will take at least half a year to line up.

In the past six months, how many patients can't wait at all?

If you can't wait, then this insurance is basically equivalent to paying for nothing.

In addition, Dawu Hospital has now taken the initiative to teach related technologies of car-T cell therapy to other hospitals.

In other words, in another one to two years, Longguo car-T cell therapy should become mature.

At that time, more and more patients who can't make it to the queue will choose other hospitals for treatment.

If so, the insurance will still not be reimbursed.

In short, there are only two criteria in the contract, or you will be exhausted.

Okay, change to another hospital and don't ask me to settle the claim.

Is it shameless to designate a hospital?

There is even more shameless, claiming diseases.

There are dozens of types of cancers that are claimed, but they are all cancers that are less affected by big data.

For example, leukemia, lymphoma, etc., are all within the scope of small print.

That is the usual disclaimer clause.

Even if you suffer from this disease, you will be treated in Dawu Hospital despite all difficulties.

Sorry, I don't pay for it either.

Finally, there is a bottom-up shameless clause.

If you beat all odds the first time, let me settle the claim.

But there was a relapse again. I'm sorry, I didn't take advantage of it for the second time.

Still no claim.

Three insurances, one is stronger than one.

One is more shameless than one.

"Who thought of this insurance? What a fucking genius!" Su Mu couldn't help cursing.

Gao Hai said helplessly: "I have looked at almost all the insurance related to our car-T cell therapy on the market.

Basically all the same.

Therefore, I wondered whether Dawu Health could also set up an insurance department. "

"Let me think about it." Su Mu fell into deep thought.

insurance?

He didn't understand this stuff at all.

Dawu Hospital also has no relevant professionals?

Everyone is half-baked, can it be done?

Made it?

What the hell!

Su Mu was startled when he came up with this idea.

When the fuck did I care if a company could be a business?

That's a fucking red flag.

I am the one who is committed to the bankruptcy of Dawu Hospital.

How can you be afraid of losing money?

Next time you have such an idea, definitely throw it away.

"Su Dong, are you worried about losing money?" Gao Hai looked at Su Mu's pensive face, and said cautiously: "We can do a small-scale one.

Just a few billion is enough. "

Lose money?

I can't fucking wish for it!

Why worry?

Another 30 billion?

How can it be meaningful to pay such a small amount?

If you want to lose, let go of the loss!

"30 billion? Too little!" Su Mu replied: "Since you want to do it, then make it bigger, and I will give you 500 billion!

What do you think? "

"500 billion?" Gao Hai said tremblingly, "Is this too much?"

"Since we are going to do it, we must keep the needs of the people in mind." Su Mu continued: "For us, Dawu Insurance.

I need to make the following requirements, and you must fulfill them.

First, put an end to hidden terms.

The contract of Dawu Insurance does not allow any hidden clauses.

All insurance content must be clearly communicated with the policyholder in advance.

In the process of communication, there must be video recording, and there must be special personnel to review the video content.

Second, Dawu Health should establish an independent insurance agent system. "

There are two main ways for insurance companies to sell insurance.

The first way is to run a business and sell insurance. This way is not only tiring, but also has an upper limit on income. It only costs tens of thousands of yuan for a month.

The second way is to be a team, attract people and sell insurance.Be a supervisor, be a manager, be a director.With the following passive income, you can earn millions every year.

This road, to put it nicely, is called a team.

To put it bluntly, the TM is Chuan X.

Pull people to sell insurance, and pull people to sell insurance.

Every time the people below sell an insurance, the people above get a commission.

This is very similar to the development offline in Legend X.

More importantly, insurance sales have billing tasks every month.

Just entered the insurance industry, where do you get customers from?

Therefore, there are relatives and acquaintances to buy insurance.

When relatives and acquaintances have finished buying, the insurance career will be over.

So, it doesn't matter whether you are a treasure mother or an aunt, whether you are a hooligan or a rascal.

As long as you have relatives, you can become an insurance agent.

The entire insurance team is uneven. According to incomplete statistics, in the entire Longguo, 100 out of 1 people is currently working in insurance or has worked in insurance.

Such a huge sales group, how to fight for business?

The method is very simple, as long as you let go of your conscience, you will have everything.

It is precisely because of this that the speed of replacement in this industry is faster than the flow of water.

If things go on like this, resulting in countless orphans.

Often when policyholders defend their rights, the insurance salesperson has long since disappeared.

Su Mu remembered that in his last life, he had worked in an insurance company.

On the first day of work, his colleagues reminded him that in this line of work, as long as you have a dark heart, the money will come.

It's a pity that his heart couldn't be darkened, and he left after working for three months.

It is precisely because of this experience that Su Mu proposed the independent agent system.

The biggest difference between an independent agent and a traditional agent is that it is not allowed to build a team, pull people, and develop hierarchical interests.

This means that insurance can only rely on strength: professionalism and service.

Likewise, without the exploitation of the hierarchy, the income of independent agents will increase substantially.

The commission for a single sale now may be two to three times that of traditional sales.

In addition, independent agents must have a college degree at least, and experienced insurance sales can be relaxed to high school.

It's not that Su Mu has academic discrimination.

It is because insurance sales require a certain understanding.

A group of ruffians or uncles and aunts go to sell, and they don't understand what they sell.

How to make them to protect the interests of consumers?

In fact, someone in Longguo had proposed the independent agent system long ago.

But all along, it has been tepid, and major insurance companies have not responded positively.

The reason is simple. The traditional agency system has supported a large number of vested interests.