Main insurance Dictionary

Primary insurance is also called basic insurance, which refers to insurance that can be covered independently without being added to other types of insurance. As a result, this is additional insurance. Our common life insurance, our pension insurance and other types of insurance are the main insurance.

Additional risks are the types of insurance that cannot be insured separately. People must add these types of insurance subject to purchasing primary insurance to receive the corresponding protection benefits. General insurance companies will also have the word "additional" on the product name, such as "additional term life insurance" and "additional hospital allowance".

Main difference

Primary insurance refers to the types of insurance that can be insured separately. Supplementary insurance refers to the types of insurance that cannot be insured separately but cannot be linked to the main insurance. When the primary insurance is terminated or suspended due to default, termination or expiration, the effectiveness of the additional insurance also follows. Termination or suspension.

Main contact

Primary insurance refers to the types of insurance that can be insured separately. Supplementary insurance refers to the types of insurance that cannot be insured and purchased separately, and can only be attached to the types of insurance that are insured by the main insurance. When the main insurance is terminated or suspended for reasons such as default, termination or expiration, the effectiveness of the additional risks will also be interrupted or suspended. The insured can choose to insure only on the basis of his basic insurance and according to his own needs.

The relationship between basic insurance (primary insurance) and complementary insurance is the relationship between the main contract and the complementary contract. In other words, the basic insurance clause is the main contract and the corresponding complementary insurance clause is the complementary contract to the main contract. The two have a subject-subsidiary relationship, and the existence of the complementary contract depends on the existence of the main contract, and the main contract can generally be closely linked to the complementary contract, but does not depend on the complementary contract. Usually, the relationship between the main contract and the complementary contract is that the unfinished questions of the complementary contract are subjected to the main contract and the parties in conflict are subjected to the complementary contract. "Unfinished business" means that the supplementary contract does not stipulate, but the main contract contains what is stipulated, and "conflict" means that the basic and additional risks include opposing provisions on the same subject. In this case, you can According to the terms and conditions, the additional risks will prevail.

Basic Division

Main and supplementary insurance are the basic divisions of types of insurance in terms of whether they can be insured separately. Primary insurance is a type of insurance with full terms and conditions and comprehensive components which can be insured separately. The content of the complementary insurance clause is relatively simpler. In addition to the compulsory content which reflects its particularity, the same content as the main insurance clause is generally omitted and the corresponding provisions of the main insurance clause are directly applied. Consequently, if the main insurance clause is canceled. The content of the insurance clause may be invoked by the complementary insurance, the complementary insurance clause cannot be insured separately due to incomplete content and 'incomplete elements, this is why supplementary insurance must be insured on the "basis" of the main insurance. It follows from the above that the main insurance and the supplementary insurance are in fact a general and special relationship. Therefore, the provisions of the supplementary insurance clause must be applied first. If the complementary insurance clause and the main insurance clause conflict with the same content, the provisions of the complementary insurance clause apply. This is precisely the particularity of complementary insurance; if the supplementary insurance clauses are not specified and the main insurance clauses have corresponding provisions, the provisions of the main insurance clauses apply, that is to say the complementary clauses of complementary insurance are supplemented by the main insurance clauses.

For car insurance, loss of vehicle insurance and liability insurance are the main risks, while entire car theft insurance, liability insurance for persons in the vehicle, breakage insurance ice, spontaneous combustion loss insurance, excluding special deductible special insurance, etc. are additional risks. These additional risks make the protection more complete. As a general rule, the premium for supplementary insurance is lower and its existence is based on the existence of the main insurance and cannot be dissociated from the main insurance.

Types of

Loss of vehicle insurance

Vehicle loss insurance refers to natural disasters (excluding earthquakes) or accidents within the framework of the insurance liability of the insured vehicle, resulting in the loss of the insured vehicle itself. The opposite of the third party takes care of him. If you like your car, you should buy it.

Liability insurance

Liability insurance refers to the economic liability that the insured or his authorized driver has when using the insurance vehicle, causing one third of bodily injury, death or direct damage to property. The company is responsible for compensation. At the same time, if the insured incurs arbitration or litigation costs due to the written consent of the insurance company, the insurance company will indemnify outside the limit of liability, but the maximum amount will not exceed not 30% of the liability limit.

Main configuration

In other words, primary insurance is an insurance product that can be insured separately. Our common life insurance, our pension insurance and our other types of insurance are the main insurance. Additional risks are the types of insurance that cannot be insured separately. People must add these types of insurance subject to purchasing primary insurance to receive the corresponding protection benefits. General insurance companies also have the word "additional" in the product name, such as "additional term life insurance", "additional hospital benefit", etc., which is relatively good to distinguish.