Insurance does not deceive people, only people deceive people, and specific insurance products do not deceive people. Only insurance salesmen cheat.
Generally, people who buy insurance are most likely to be deceived in the following aspects:
1, deduct the premium.
Insurance is generally sold by insurance salesmen, and the insurance company will give the salesmen a certain commission, and some other expenses will occur. Therefore, if the insurance has just been insured for one or two years, the insurance company will deduct the expenses that have already occurred. I have read some insurance contracts, but I don't have a certain knowledge base and patience, so I generally don't understand them.
2. Hesitation period 10 days.
According to the provisions of the Insurance Law, the insured can surrender the insurance and get all the insurance premiums within 10 days after the insurance company delivers the insurance policy. Unfortunately, some insurance salesmen deliberately hide the stipulation of 10-day hesitation period, so customers generally don't read the contract terms carefully, and customers can't surrender their insurance normally. I know a case recently. After being insured by foreign insurance companies, some people feel that it is not suitable for them and ask for surrender. The salesman said he couldn't return it, otherwise he would deduct a lot of money.