Rebirth of the World’s Richest Man

This high status is different. Most people buy insurance through insurance salesmen, but when Jiang Xiaobai buys insurance, Chen Dongsheng, the founder of the insurance company, comes directly to his door.

The two parties were chatting in the living room of Jiang Xiaobai's office, and Jiang Xiaobai was talking about his thoughts.

"Dongsheng, this is what I think about it. Buy an insurance for each employee. This insurance does not cover their accident insurance and medical insurance. If employees and their families, that is, close relatives, if an accident or If you have any illness, you can reimburse them.”

Jiang Xiaobai looked at Chen Dongsheng and said his thoughts: "As for this disease, it does not mean minor illnesses, such as colds and fevers, which do not need to be reimbursed, but if some major diseases occur, for example, the cost of treatment is When the cost exceeds 10,000 yuan, our insurance company needs to reimburse them."

Ordinary people buy insurance based on the types of insurance offered by the insurance company, but Jiang Xiaobai wants to directly develop a type of insurance for the company's employees and just put forward his own requirements.

It's okay if the insurance company doesn't have this insurance. When Jiang Xiaobai proposes it, it will be available.

"Dr. Jiang, if this disease is calculated in terms of cost, I'm afraid it's difficult to control. There are too many types of diseases. Some of them cost thousands of dollars, such as minor surgeries. There may be no need to be hospitalized, or There is no need to stay in the hospital for a long time.

But once this system is in place, hospitalization or extended hospitalization may be required to increase the medical expenses and be reimbursed. "

Chen Dongsheng was indeed an insurance man, and he immediately pointed out the flaw in Jiang Xiaobai's idea.

Jiang Xiaobai suddenly began to think deeply. Jiang Xiaobai also agreed with what Chen Dongsheng said. Not to mention now, there will be many people in future generations who will be hospitalized directly in order to get social security reimbursement.

Even if you don't need to be hospitalized, you still have to be hospitalized to be reimbursed. There are always people like this who take advantage of loopholes. After all, the forest is big and there are all kinds of birds.

Coupled with this ordinary people, they are indeed honest and kind most of the time, but they also have a cunning side.

This is undeniable.

"Then Dongsheng, do you have any good suggestions? Anyway, my idea is to help the urgent but not the poor. Most of the salaries of our company's employees are around a thousand yuan. Basically, a family can afford about 10,000 yuan in medical expenses." Fee is no problem.

There are some common diseases, such as appendicitis, or other minor diseases that require surgery, but for some serious diseases, or difficult and complicated diseases, there is really no solution.

A few days ago, I went to Changxingju Real Estate Company, and there was an employee at home because..."

Jiang Xiaobai simply spread his hands and told Chen Dongsheng what happened and his own thoughts, letting Chen Dongsheng figure out a solution on his own.

After all, Chen Dongsheng is in the insurance business and he has his own profession.

"For this kind of thing, I don't think it's better than this, Mr. Jiang, how many diseases are specified within this range? We can just go to the hospital to make statistics on this. For example, the leukemia you mentioned, various cancers, etc. .

We cover all these major illnesses under this insurance. "

Chen Dongsheng thought for a while and said, Jiang Xiaobai nodded, this is a good idea. Many insurance companies in later generations also provide critical illness insurance, which seems to cover many types of diseases.

"This is okay, but there is a problem, that is, there are too many types of diseases. What if there are different types of diseases..."

It’s no wonder that Jiang Xiaobai has this doubt. In fact, the reputation of this insurance company is sometimes not very good, and there have been many revelations on the Internet in later generations.

This insurance company is just to make money. When facing ordinary customers, it has a natural advantage. The store bullies customers, and there are various contracts in it that many people can't understand at all.

Sickness is inherently accidental and accidental. We only rely on the diseases stipulated in the contract, which sometimes goes beyond the scope.

What's more, some insurance companies will refuse to pay bills and find various reasons.

To put it simply, when you buy insurance, you are the uncle, but when you make a claim, it is your grandson.

"Director Jiang, let's not talk about other people. This Taikang Insurance belongs to our family. Don't you feel reassured? In this way, when the time comes, the contract will stipulate that the type of disease includes various difficult and complicated diseases, and The right to interpret this article rests with your Huaqing Holding Group headquarters.

As long as there are any doubts about the claim settlement, they can be reported step by step. At that time, our group headquarters will make a final decision. As long as our headquarters has confirmed it and the claim can be settled, the insurance company will need to settle the claim. What do you think? "

Chen Dongsheng has said this, what other opinions can Jiang Xiaobai have? This is the contract. The final interpretation of a sentence lies with Huaqing Holding Group, so there is no need to worry about the insurance company doing something wrong.

"Okay, Dongsheng has considered the problem more carefully, so let's settle it. In this way, when every objectionable report comes up, it will need my signature or Mr. Zhang's signature. In this way, it can also maximize the Protect the interests of our insurance companies.”

Jiang Xiaobai said with a smile. Chen Dongsheng nodded. Jiang Xiaobai and Zhang Weiyi were not able to do such a thing because they were not willing to follow the scammers below.

"By the way, there is one more thing about Mr. Jiang. It must be clear who this close relative is. If the seven aunts and eight aunts are included, then the cost will be too high." Chen Dongsheng suddenly Thinking of this, he asked.

Jiang Xiaobai waved his hand: "We don't count the seven aunts and eight aunts. We only count close relatives, that is, parents, children and spouses. These five, other father-in-law, mother-in-law or father-in-law and mother-in-law do not count. It is the same as the law. What seven aunts and eight aunts Yes, those are all distant relatives, they don’t count.”

Hearing this, Chen Dongsheng breathed a sigh of relief. If that's the case, there's no problem.

"Director Jiang, how many of our employees need to be insured? I will ask someone to count the types of diseases and the approximate cost, and then look at the approximate cost and give you a price."

Jiang Xiaobai doesn't know the specific number of employees in the company. The group is now bigger and the company has more employees. Let's put it this way. The specific number changes every day. Some people join the company every day and some people resign. This fluctuates every day. They are all in the hundreds, not to mention the fluctuations within a few months.

This is also the reason why Jiang Xiaobai called the person in charge of human resources over. This person is responsible for the specific work. Zhang Weiyi doesn't even know the specific number of employees in the company.