1保险很丑,但很温柔

1保险很丑,但很温柔 保险很丑,但很温柔 剖析一般人对保险印象不佳的始末 谈到消费大众对保险不够信心，对保险业没好感，考其原因，可从保险制度本身所具有的特性，保险业之业务经营，和大众投保不当三方面来加以剖析～ 许多人一谈到保险 ，总认为是骗人的玩意。根据许多非正式的调查与研究显示，一般人对保险制度不够信心，对保险业印象不佳，主要可归纳为下列三大原因: 第一、来自于保险制度本身所具有的特性 保险业是一个不讨人喜欢的行业，部分原因来自于保险制度本身所具有的特性。例如: 一、保险所保障的事故多是意外事故，也就是不幸的事故。在讲究迷信的中国社会里，最忌讳谈到死亡、车祸、火灾、海难等的不吉利的事，总认为谈到这些事会触霉头。但要强调保险的好处，又必须提到这些不吉利的不幸事故。因此，保险公司为讨保户喜欢，通常将保险商品名称冠以“安家”、“吉祥”、“福寿”、“年年春”等美丽而吉祥的字眼。 二、保户享受保险权利时，也就是不幸的意外事故发生时。因此有人戏称要领保险公司的钱，就必须发生倒霉的事。 thereby promoting the "two" study and education effectively carried out. Third classified guidance. I study and education, party members and cadres, has a silver lining. Reality, highlighted guidance to prevent the "flood irrigation" and prevent "cookie", according to the actual situation of various levels, members of different positions, find the right characteristics, put forward specific measures. First, to materialize. Units according to the educational plan, formulate their specific implementation The case, detailed implementation measures, the Central, provincial, municipal and local party committees for study and education requirements of principle into action, to implement specific measures. Second, to be precise. Differential treatment in education, precision application strategy, so that every party member education, improve, ask the people really feel the change of party members. Third, differences. Should reflect the differences, characteristics, both closely linked to the theme, and closer to the reality, make learning educational vitality and effectiveness. Four to catch daily. "Two" study and education activities is not a, and is mainly used to daily education, education, promote the construction of party's ideological and political normalization and institutionalization, adhere to the catch in the daily, is often central to "two" learn the basic orientation of education. We must maintain perseverance, tenacity and perseverance, continued promoting learning education. With the party branch as the basic unit, and give full play to the role of party branches and party branches to shoulder the main responsibility for, fully arouse the enthusiasm of party members involved in the education, ensuring that the organization is in place, measures are 三、保险制度涉及专门技术与知识，例如保险费率的厘订、保险契约的条款、保险法规等，非一般人所能了解。有这样一种现象 ，凡是对不熟悉的事务，总会感到怀疑，缺乏信心而不愿意去接纳它。例如，陌生人向您借钱，您不会轻易答应;又如，没有开车经验的人，即使考取了驾照，坐上驾驶位置，面对方向盘、复杂的仪器，及拥挤的交通，也会产生恐惧感。不懂保险的人，要他拿钱出来换一张纸(保险单)，也很难克服这种心里的障碍。 四、保险商品是无形的安全保障，与有形的商品最大不同点是缺乏让消费者看了就有购买欲。一般人上百货公司，看到专柜里陈列的各式各样时髦衣服，又看到美丽的模特儿展示的时装，禁不住口袋里的钱就想要拿出来买，哪怕是贵一点，只要穿起来好看，再加上朋友、同事夸你几句，也感到非常值得。保险商品并没有美丽的外观与吸引人的糖衣，除非对保险有深刻的认识，或曾经遭受不幸，才会主动投保。一般人投保保险，因为无法立即感受到它的好处，也就无法像买衣服一般有满足感。 第二、来自于保险业之业务经营方面 保险发展初期，制度尚未建立，保险专业人才缺乏，保险业务经营都是在从无到有摸索阶段，以致弊端产生，遭人厌恶。一旦形象被破环，要想重建很难。在保险业务经营方面，最不容于社会大众的有下列一些弊端: 一、保险业务招揽方式 中国保险公司的数量尽管不多，但各保险公司为提高市场占有率，thereby promoting the "two" study and education effectively carried out. Third classified guidance. I study and education, party members and cadres, has a silver lining. Reality, highlighted guidance to prevent the "flood irrigation" and prevent "cookie", according to the actual situation of various levels, members of different positions, find the right characteristics, put forward specific measures. First, to materialize. Units according to the educational plan, formulate their specific implementation The case, detailed implementation measures, the Central, provincial, municipal and local party committees for study and education requirements of principle into action, to implement specific measures. Second, to be precise. Differential treatment in education, precision application strategy, so that every party member education, improve, ask the people really feel the change of party members. Third, differences. Should reflect the differences, characteristics, both closely linked to the theme, and closer to the reality, make learning educational vitality and effectiveness. Four to catch daily. "Two" study and education activities is not a, and is mainly used to daily education, education, promote the construction of party's ideological and political normalization and institutionalization, adhere to the catch in the daily, is often central to "two" learn the basic orientation of education. We must maintain perseverance, tenacity and perseverance, continued promoting learning education. With the party branch as the basic unit, and give full play to the role of party branches and party branches to shoulder the main responsibility for, fully arouse the enthusiasm of party members involved in the education, ensuring that the organization is in place, measures are 业务竞争十分激烈。由于各公司间保险商品大同小异，保险费率又是根据同一生命计算，毫无显著差别。因此，业务招揽在过去几年多以人情业务居多，此种业务解约率很高，导致投保纠纷也多。此外，有些保险公司假招聘职员之名，行招徕业务之实，造成许多求职者上当，非但得不到适当的工作，无法获取收入，所投保保险又须缴纳保费，如予解约，又无法将所缴交之保费取回，造成诸多抱怨。 二、保险业务招揽人员素质与服务品质 保险业务招揽人员是站在与保户接触的第一线，保户对保险的了解，通常必须仰赖招揽人员的解说，因此，保险业务招揽人员的素质与服务品质的好坏，直接影响保险业的形象。由于保险制度涉及专门技术与知识，一般大众无法充分了解，如果业务人员未具专业知识解说不当或错误，往往容易引起保户的期望与保险公司所能提供的保障有所差距，保险纠纷于是产生。 三、保险理赔纠纷问题 保险公司提供的安全保障，必须有一界限，也就是其范围必须是在保险契约的承保范围以内。然而，意外事故的认定有时很难，如果保户与保险公司之间发生认定差异时，就会产生理赔纠纷。此外，保险契约是最大诚信契约，保险公司在决定要不要承保，依据何种费率、条件承保，必须对被保险人之危险情况有所了解，故须依赖被保险人的如实告知。然而，被保险人有时会误报、漏报，等保险事故发生后，保险公司才发现被保险人违反如实告知义务，于是解除契约、拒绝理赔。此种情形，保户是绝不会谅解的。 thereby promoting the "two" study and education effectively carried out. Third classified guidance. I study and education, party members and cadres, has a silver lining. Reality, highlighted guidance to prevent the "flood irrigation" and prevent "cookie", according to the actual situation of various levels, members of different positions, find the right characteristics, put forward specific measures. First, to materialize. Units according to the educational plan, formulate their specific implementation The case, detailed implementation measures, the Central, provincial, municipal and local party committees for study and education requirements of principle into action, to implement specific measures. Second, to be precise. Differential treatment in education, precision application strategy, so that every party member education, improve, ask the people really feel the change of party members. Third, differences. Should reflect the differences, characteristics, both closely linked to the theme, and closer to the reality, make learning educational vitality and effectiveness. Four to catch daily. "Two" study and education activities is not a, and is mainly used to daily education, education, promote the construction of party's ideological and political normalization and institutionalization, adhere to the catch in the daily, is often central to "two" learn the basic orientation of education. We must maintain perseverance, tenacity and perseverance, continued promoting learning education. With the party branch as the basic unit, and give full play to the role of party branches and party branches to shoulder the main responsibility for, fully arouse the enthusiasm of party members involved in the education, ensuring that the organization is in place, measures are 四、保险业资金运用获利甚丰未适当回馈保户 保险公司拥有庞大资金运用，特别最近几年股价高涨、房价狂飚，保险业之资金运用收益甚丰，造成大众认为保险业是暴利行为，即羡慕又嫉妒。投保大众认为保险公司的资金来自于保户，却未将所获利润作适度的回馈。 第三、来自于被保大众方面 保险市场的弊端，被保大众也须负一部分责任，例如: 一、投保保险太随便 投保保险是一种订定契约行为，一般人购买房子，订定买卖契约或租赁契约，会很慎重，唯独订定保险契约时太随便，相信业务员的话而未充分考究保险契约的内容，对自己应享的权利及应属的义务都不清楚，一旦事故发生才后悔莫及，甚至怪罪保险公司。 二、坏事传千里 一般人享受保险权利时，认为是应得的，即无感激之情，当然也不会到处宣扬保险制度有多好;一旦遭受拒赔之后，心里十分不甘，逢人就会诉说以解心怨。因此，大家很少听到有人赞扬保险制度，或说某家保险公司好，反而听到的都是在骂保险业。 三、道听途说，未加证实 一般人对保险印象不佳 ，有来自于本身之不愉快的投保经验，有些则是从新闻媒体的报道，或亲戚、朋友、同事邻居听来的。这些报道或传播的观念，如未加以证实，就容易被大众所误解。 以上所谈的是保险制度不为人所喜欢、谅解的一些原因，这些原thereby promoting the "two" study and education effectively carried out. Third classified guidance. I study and education, party members and cadres, has a silver lining. Reality, highlighted guidance to prevent the "flood irrigation" and prevent "cookie", according to the actual situation of various levels, members of different positions, find the right characteristics, put forward specific measures. First, to materialize. Units according to the educational plan, formulate their specific implementation The case, detailed implementation measures, the Central, provincial, municipal and local party committees for study and education requirements of principle into action, to implement specific measures. Second, to be precise. Differential treatment in education, precision application strategy, so that every party member education, improve, ask the people really feel the change of party members. Third, differences. Should reflect the differences, characteristics, both closely linked to the theme, and closer to the reality, make learning educational vitality and effectiveness. Four to catch daily. "Two" study and education activities is not a, and is mainly used to daily education, education, promote the construction of party's ideological and political normalization and institutionalization, adhere to the catch in the daily, is often central to "two" learn the basic orientation of education. We must maintain perseverance, tenacity and perseverance, continued promoting learning education. With the party branch as the basic unit, and give full play to the role of party branches and party branches to shoulder the main responsibility for, fully arouse the enthusiasm of party members involved in the education, ensuring that the organization is in place, measures are 因除了保险制度本身所具有的特性，无法改变外，其他二方面应当可 以加强与改进的。保险制度本身所具有的特性固然丑，但它是一种人 助助人的好制度，它有温柔的一面，我们不要因为它有丑的地方而拒 绝它，反而要设法了解它、接纳它，让它的温柔面带来人类的幸福与 国家的安定。 thereby promoting the "two" study and education effectively carried out. Third classified guidance. I study and education, party members and cadres, has a silver lining. Reality, highlighted guidance to prevent the "flood irrigation" and prevent "cookie", according to the actual situation of various levels, members of different positions, find the right characteristics, put forward specific measures. First, to materialize. Units according to the educational plan, formulate their specific implementation The case, detailed implementation measures, the Central, provincial, municipal and local party committees for study and education requirements of principle into action, to implement specific measures. Second, to be precise. Differential treatment in education, precision application strategy, so that every party member education, improve, ask the people really feel the change of party members. Third, differences. Should reflect the differences, characteristics, both closely linked to the theme, and closer to the reality, make learning educational vitality and effectiveness. Four to catch daily. "Two" study and education activities is not a, and is mainly used to daily education, education, promote the construction of party's ideological and political normalization and institutionalization, adhere to the catch in the daily, is often central to "two" learn the basic orientation of education. We must maintain perseverance, tenacity and perseverance, continued promoting learning education. With the party branch as the basic unit, and give full play to the role of party branches and party branches to shoulder the main responsibility for, fully arouse the enthusiasm of party members involved in the education, ensuring that the organization is in place, measures are