author | cat girl
source | big cat Taobao
for 10 million, will you kill your wife and cheat?
I took the time to watch a movie-"The Beneficiary" on the weekend, which tells a story about an attempted murder of a wife and an attempted insurance.
Dapeng plays Wu Hai, a single father who is rubbed by life on the ground. He works as a network manager during the day and drives at night. Because he couldn't afford to rent a room, his son who suffered from asthma lived with him in the attic of the Internet cafe where he worked, which was filled with smoke, which was not conducive to healing.
Wu Hai has a friend who works as an accountant in a financial institution and embezzled tens of millions of public funds. He found that Wu Hai wanted to improve his son's living environment in particular, and he was attracted to the house in Diamond Bay, so he encouraged Wu Hai to defraud the insurance company's insurance money.
They focused on the network anchor Yue Miaomiao played by Liu Yan. Yue Miaomiao was also a poor man. His father was injured at work, and he was inconvenient to move and was unable to work. In order to supplement his family, he switched to an internet anchor.
Wu Hai is responsible for pursuing Yue Miaomiao. After getting married, he signed a travel accident insurance under the pretext of honeymoon travel, and the beneficiary is Wu Hai.
During this period, Wu Hai friend approached Yue Miaomiao pretending to be a network supervisor, and wanted to take the opportunity to ride a small electric donkey and Yue Miaomiao both "accidentally" fell into the lake. Yue Miaomiao did not know how to swim and drowned accidentally. Insurance company 10 million compensation. During
getting along with Yue Miaomiao, Wu Hai gradually developed feelings for this mundane, kind-hearted girl. When the "accident" was about to happen, he rescued Yue Miaomiao and dispelled the idea of cheating. The "accident" in the
movie did not happen, but if it happens, can Wu Hai and the others get the claim payment smoothly?
Ordinary accidental injuries, with complete claim information (medical records, invoices, etc.), it may be necessary to describe the accident process on the claim form, and usually will not be investigated.
However, more serious accidents lead to large claims. When the insurance company believes that there is a doubt, it will investigate the rationality of medical treatment and the cause of the accident with schools, hospitals, police and other institutions.
Large insurance companies usually have their own claims verification team, while small insurance companies also outsource claims verification to professional investigation companies.
Many self-owned claims verification teams, or professional investigation companies, have their own network of contacts, including but not limited to hospitals, disease control centers, physical examination centers, health bureaus, social security bureaus, peers, etc.
only thinks that people can get compensation if they die. I'm afraid that I underestimate the verification ability of insurance companies. The review of insurance claims is subject to strict review. Ten million is not a small amount. As long as they want to check, like Wu Hai and his friends, Wu Hai’s financial situation, it is possible to find out by digging three feet. The prototype of the
movie, the "accident" really happened, but the offender not only did not get the compensation, but was also sentenced to death and received the punishment he deserved.
This also reflects a problem from the side. The insurance company strictly reviews before claim settlement, not deliberately making excuses for not paying, but to prevent malicious people from fraudulently obtaining insurance money, and to ensure that those who truly meet the conditions apply for claims. , There is money to be compensated. The movie
did not have a big hit. I personally feel that it is essentially a love story, only showing the mutual dependence and small luck of the people at the bottom.
"I am not the God of Medicine", which was on fire last year, is the same producer as it, and has more realism.
Actually, as an Internet cafe network manager, Wu Hai is a typical three-person, no car, no house, and no social security. In addition, there is a son who suffers from asthma. He goes part-time as a driver to buy asthma medicine for his son. Is the child covered by medical insurance? Can asthma medicine be reimbursed? These life pressures can be imagined. Yue Miaomiao also became a webcaster because his father broke his leg. Unfortunate families are similarly terrible, and there are too many things in debt due to illness and returning to poverty due to illness.
insurance is a highly leveraged financial product. When there is nowhere to go, it is easy to get confused and choose fraud insurance.
But there is nothing wrong with the insurance itself. If you make good use of it, if you are sick, you have money to treat it and you have money to support it, and the outcome may be different.
● If you can’t get the employee medical insurance, you can participate in the resident medical insurance or the new rural cooperative medical insurance. The policies in different places are different, but most of them only cost a few hundred yuan a year, and you can get a certain amount of money for medical treatment. And this is the countryThe benefits given, without health notification, can be covered even if you are sick.
● For commercial insurance, you can consider the million-dollar medical insurance with a relatively high leverage. The premium is cheap and the insured amount is high. Expensive self-paid drugs, imported drugs, and targeted drugs can also be reimbursed. For details, see this "13 consecutive times" Upgrade, who to choose for life-saving insurance? ".
● If you have spare capacity, you can configure a little critical illness insurance. If you have a limited budget, you can buy a regular consumption type. If you get a serious illness, you can get a sum of money, whether it is used to treat illness or supplement the family. Yes, for products that are not bad in the near future, you can read this article "Critical Illness Insurance and then a cost-effective product, even for benign tumors!" ".
