DXneo

Sorry to say, The insurance company do not keep your money just like that, they also have their own investment Team to make the capital bigger and bigger.3 ^! o( e0 a( c& F
They already go to the stock market(try look for AXA see how much is one hand of the stock). They are doing business and they won't sit and eat the mountain empty.! U6 N9 i' d4 z5 M
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They do research on social and healthcare, they got all kind of estimation and data.7 @5 f6 g5 W. }, Q, t! v& W, V
About how many people will claim insurance and how many not.' j  z2 c% `8 J3 j  W$ a
How old people will die,* y/ X3 d" @6 j( l  q, N: I
How often accident can be happen in car, aircraft and transport.
3 ^1 {! G1 L) V% A2 O. tOr even in what color car it will happen more.9 z9 ~8 X0 T7 m$ c& h" p: n2 d" l
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In general it is no way that the claim can be over their liability they make best calculation for all situation.: N. V  Q3 q0 W) m' |) `
There are always terms that are listed on the contract to protect their profits.
$ r  u& ^- e0 h" W: a/ \( n& S# i+ fThey got the best Lawer and Professionals to examine any week point on the claims and any strong proof.6 k- d/ i8 ]8 J/ O4 i* o; g
And some insurance will buy another insurance on top of their plan, so they also can claim insurace when things happened(share the liability to other insurance company).
7 m( W4 g  x& |. @/ _& A2 BAlso some insurance restrict double or multiple claim in-case you know the future.
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They also form alliance to Bank and other company that they can capture clients activities.; K/ G/ M* r" |" @% E9 P
Medical is one of those, once you join their insurance with medical, your record can be access much easier since the bill goes to them directly, they know when you got (危疾),
; [; R7 G5 \1 N+ Q2 wThey know much more on your health and do better estimation and sales.
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Don't think its so Good, neither think it so Dark.
; N: Q) U/ t& e) xYou know its better to have some protection before anything happen to you.
) ~: [8 \. s4 sYou got the time to use it ~~OK~~$ }- c. ~3 ^, ]( d/ g0 q0 L
You no need to use but still paying ~~let it be the kind of charity to help those needed*~~
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% P6 N6 ]0 h7 x& w, {/ K) \*its not charity so no tax return hohoho...
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, N6 i( m' V0 O. Z# i, y5 `. r/ LPS. Good Insurance(/Agent) is not exsist in the world, but there always are better once.
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1.你知唔知你幾時死? you don't but They do! |5 z" y3 L2 v$ C
2.你知唔知你會唔會生癌 (危疾)? you don't but They do$ ^8 e& V* l' b8 q3 Q7 e- ?! s
3.你知唔知你會唔會因為任何疾病入住醫院? you don't but They do: o# Z+ q* Y. y2 w
4.你知唔知你會唔會發生意外? you don't but They do! u0 H  L4 J, d. ^  t  i

- c8 u. m, Z+ x+ vThey know by how much probability you will have the above event& J- p" f" |- [* @1 S

5 C4 i7 E6 N) K7 t# rMost of the crazy named research is usually done by Bank and Insurance...
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[ Last edited by DXneo on 2007-2-11 at 01:58 AM ]