Câu hỏi 208. Khách hàng có thể duy trì hợp đồng nếu gặp khó khăn về tài chính không?

Câu hỏi 208. Khách hàng có thể duy trì hợp đồng nếu gặp khó khăn về tài chính không?

Trả lời:

 

Vì hợp đồng bảo hiểm nhân thọ là một cam kết được thực hiện trong một thời gian dài nên có thể sẽ có nhiều vấn đề phát sinh, thay đổi, chẳng hạn: Khách hàng gặp khó khăn về tài chính. Với mong muốn đảm bảo tốt nhất quyền lợi của khách hàng, tùy từng công ty bảo hiểm đã đưa ra một số điều khoản trong hợp đồng để giúp khách hàng có thể duy trì được hợp đồng bảo hiểm ngay cả khi gặp khó khăn về tài chính. Cụ thể:

(1) Thời gian gia hạn nộp phí bảo hiểm;

(2) Vay phí tự động (khi hợp đồng đã có Giá trị hoàn lại );

(3) Duy trì hợp đồng với số tiền bảo hiểm giảm;

(4) Giảm số tiền bảo hiểm.

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