1.Would you like to know more about our product, please contact us.
Whenever you are interested in any product of our company, or need an insurance proposal for your reference, please contact us by 4006-70-5666, we are willing to provide you the background introduction of our company, product brochure or even recommend an outstanding agent to meet with you. Our excellent agents will like to make the most suitable insurance proposal for you and your family.

Policy Service FAQ

1. Is it necessary to inform insurer when the contact changes?
If there is any change about your contact, please let us know. You can inform us with the assistant of your service agent; You also can give us a letter or FAX on your living contact; Filling in the address change application form that attached on the letter we sent to you and sending back to us is also a good choice. All the documents need policy owner’s confirmation.

2. What kinds of policy service are available?
Our Policy Administration Department currently offers the following policy services:
1) Modification of policy contents: change beneficiary, change policy owner, change client personal information, reinstate policy, duplicate policy, add or delete riders. Policy Loan, Fund Withdrawal, Fund Switching, Premium Holiday, others
2) Policy termination: Cancellation during cooling off days, or surrender Policy.
3) Change the method of payment: clients can choose between different ways to pay their premium. They can have an agent collect the premium at their home, use a demand deposit account (DDA), or pay the premium directly to the company.
4) Payments of the policy maturity benefit and dividends.

3. How do I apply for policy modifications?
To change any content in your insurance policy, you are required to fill in a policy service application form, which has to be signed by the policyholder and the insured. Together with your policy, the identification card copy of the policyholder and the insured, and a health declaration, take this application form to our Policy Administration (PA) department, or have it delivered through your agent. The PA department can then process your request.

4. How do I apply for the termination of the policy?
There are two policy termination options: you can cancel your policy during hesitate days, or surrender your policy. The first step is to fill in the policy termination application form. The policy owner must sign the form. You should then take this form, together with the original policy, the identification card copy of the policy owner, and the original invoice to our Policy Administration (PA) department, or deliver the documents through your agent. The PA department can then process your request.

5. How do I pay the renewal premium?
You should pay the renewal premium on the due date as stated in your policy. For your convenience, you are allowed to choose between different methods of payment. You can ask your agent to collect the premium at your home, use a demand deposit account (DDA), or make a direct payment to our company. If you fill in a DDA authorization form, AXA-Minmetals is entitled to automatically transfer the renewal premium from your bank account through its associate banks Industrial and Commercial Bank of China (ICBC), Shanghai branch, or Agricultural Bank of China (ABC), Shanghai branch. You can walk to our casher office to pay premium directly or telegraph premium to account: 404061-5008681143 AXA-Minmetals Assurance Co., Ltd. Standard Chartered Bank, Shanghai branch.You also can telegraph premium to account 1001184209023100171 AXA-Minmetals Assurance Co.,Ltd. ,Industrial and Commercial Bank of China. Shanghai Branch.

Claim FAQ

1. If a claim occurs, why should the claimant inform the insurer and submit all necessary documents within five days?
According to insurance law the claimant has the obligation to submit and affirm the relative documents; the insurer has the right to investigate. The sooner the claimant applies, the more evidences will be obtained. Otherwise, the claimant should be charged with additional costs caused by his or her delay. A claim could even be dismissed because of lacking evidence.

2. Can the claimant apply for benefits if the documents are incomplete?
According to insurance law the claimant takes the obligation to submit all relative and necessary documents. If the claimant does not submit everything he or she can provide, the insurer has the right to decline his or her claim application.

3. Should the insurer aid the claimant to get all the documents ready?
If the claimant cannot provide some documents, the insurer will try to aid the claimant. The insurer, however, is not responsible if the claimant fails to provide the required documents. Failure to provide all documents may have an adverse effect on the insured's claim.

4. Why does the agent suggest designating a beneficiary in the proposal?
The beneficiary designated in advance in the policy does not need to pay taxes on benefit payments. Without designating a beneficiary, the benefit would be considered heritage, for which heritage taxes would have to be paid. With the absence of a designated beneficiary, benefit payments could also be used to pay for the insured's liabilities to third parties. Not designating a beneficiary may also lead to conflict in the family. To assure that your family is properly indemnified, we therefore suggest that you designate a beneficiary.