That day, Yu Yuanming suddenly received a phone call, and at first glance, the number was unfamiliar. After taking it, I realized that it was the customer who sold rice introduced by Sister Zhou last time. It was a call from my wife, saying that my husband was sick and was hospitalized for reimbursement. Yu Yuanming hurriedly told her which hospitals and what kind of information he was going to keep.

Two months later, the customer was discharged from the hospital and submitted a claim application through Yu Yuanming. According to the company's request, the claims adjuster will investigate the situation. So Yu Yuanming bought some fruit and rode to the customer's house with Feng Kejian.

First take the bus to Shengtian Town, but it is not far away. Then I spent 10 yuan to take a motorcycle in, and sat for 20 minutes through the machine plow road to reach the customer's village.

There is a big pond outside the village, a smooth machine farming road into the village, the houses in the village are also scattered or messy, anyway, there is no planning, how convenient and how to repair the self-built houses in the countryside. Most of them are red brick houses, and a few are white sand brick or stone houses. The customer's house is easy to ask, and the villagers raise their hands and point to see it. There is a concrete dam at the entrance, and two pear trees are planted next to it. There is a stack of hay on one side of the dam, and a laundry sink on the other side. A few hens were taking a leisurely walk on the dam, completely ignoring the newcomers Yu Yuanming and Feng Kejian.

Entering the door, Yu Yuanming's mood also became heavy, and the customer sat on a recliner with a sallow face, like the color of yellow fat pork in the seventies. The hostess poured two glasses of boiling water and looked at Feng Kejian expectantly, as if he had all the hopes on him.

Yu Yuanming first expressed his condolences to himself on behalf of the company, and also put the fruit on the table on the side. Feng Kejian Daoming came today, looked at the customer, and asked. The client had esophageal cancer and had undergone surgery, and when he lifted his clothes, a long scar ran from his chest through his ribs to his back. Yu Yuanming knew for the first time that the esophagus was divided into upper esophagus and lower esophagus, and it turned out that esophageal cancer surgery was not necessarily a throat cut.

The customer's voice has changed, and Yu Yuanming remembered the sturdy man when he bought the insurance, although he was tall and thin, but his breath was weak and his voice was dumb and dark.

After a few casual conversations, Feng Kejian was still a little different from the original, smiling and comforting the customer: Please recuperate with peace of mind, and we will prepare the procedures for claiming the claim after we go back. Please don't worry.

The customer sent us to the door with great gratitude, and Feng Kejian didn't speak, but walked directly to the village. I asked an uncle who was going out with a cow, and the uncle said that he knew a customer, and he was from the same village, so how could he not know him? Then he asked if he was in good health? Okay! I had never seen him seriously ill, at most he had a cold and fever.

After thanking Uncle Cattle, Feng Kejian took Yu Yuanming to a small shop, where a few people were drinking in the dark room. Each person has a white porcelain bowl, and inside is half a bowl of liquor. A pile of dried peanuts on the table. Everyone peeled peanuts and bragged about the skin and drank wine.

Feng Kejian bought a pack of cigarettes (in fact, Yu Yuanming remembered that he didn't smoke), and casually asked the boss: Do you know so-and-so?

The boss is a shrewd middle-aged man, and there are all kinds of groceries, snacks, cigarettes, alcohol, and medicines behind him.

"Of course I do. Not to mention this village, but several villages around, most of which I know. ”

"And has he been buying medicine from you lately?"

"Not recently. Originally bought. ”

"Oh, what kind of medicine did you buy, when did you buy it?"

The middle-aged boss said a few drug names, and Yu Yuanming didn't know what the medicine was. I've never heard of it. The boss recalled a little when he bought the medicine, and also told Feng Kejian.

After the two came out, they walked and waited for the motorcycle, Feng Kejian said: Yuanming, you have a problem with this customer.

Yu Yuanming didn't know what to do: Ah, what's the problem?

Feng Kejian still had that cold tone: First, he had bought drugs for esophageal cancer before. Of course, this does not prove that he took it himself. Second, the time of his purchase was before the insurance was purchased. Specifically, I have to go back to Longcheng and go to the district hospital.

Yu Yuanming understood a little in his heart, but he still hoped that it was just Feng Kejian's bold guess.

Feng Kejian suddenly asked again: You won't know in advance, will you?

When he spoke, his eyes swept over, and Yu Yuanming was very down-to-earth: How did I know? I didn't know this customer at all, but it was introduced to me by an old customer. And when I applied for the insurance, I asked him if he was healthy, and he replied that he was healthy.

Feng Kejian said reassuringly: Then there is no problem. As long as you ask, it is his responsibility that he does not tell the truth. If you know and hide it, then you will be beaten!

Yu Yuanming's expression was serious: Then he should be expelled. Don't worry, I'm fine.

The two returned to the city, and went their separate ways. Yu Yuanming was still a little uneasy in his heart. After thinking about it seriously, I feel that I have no problem anyway, so how do I look at God!

The next day, the results came in.

On the third day, Feng Kejian said: After our investigation, your customer was diagnosed with esophageal cancer in the district hospital a week before the insurance application! The amount is small and the family is in difficulty, so we will not hold us accountable. However, the premium is non-refundable. Thank you for your understanding.

A stone in Yu Yuanming's heart fell to the ground, but he felt relaxed. As for the customer's side, it was Feng Kejian who explained it.

On the fourth day, after the morning meeting, He Cheng came to the workplace to find Yu Yuanming. When he arrived at He Cheng's office and saw the two customers, Yu Yuanming knew that the matter was not over.

They were a little embarrassed at first glance, but Yu Yuanming quickly made up his mind, I didn't do anything wrong, what's the reason?

He Cheng said that it is your responsibility for Yuanming to say that customers come to the company to reason. Didn't make it clear that the situation of not being compensated for illness was not explained.

Yu Yuanming was angry: I asked you if you were healthy? You said you were healthy, why did I not explain clearly?

The customer said: You didn't say that you can't pay for cancer?

Yu Yuanming was angry, and his voice was a few degrees higher: How do I know that you have cancer?

The customer responded: I thought it was a misdiagnosis! There are not many misdiagnoses in hospitals.

Yu Yuanming asked again: Even if it is misdiagnosed, then you should tell me about the misdiagnosis! You said that you were healthy, but the result was that you had cancer to take out insurance. Do you blame me?

After talking for a long time, the customer himself knew that he was at a loss, so he had to say: "No matter what, I should return more than 1,000 yuan to me! The bank will also refund the principal!"

He Cheng saw that the customer had regressed, and immediately said: You are a fraud insurance. It is said that they should bear legal responsibility. We didn't pursue your insurance fraud, and the premium is non-refundable.

When the customer with cancer heard this, he was furious: Investigate legal responsibility, Lao Tzu is going to die anyway, and you can hold anyone responsible! You are too bullying! You cheated me out of more than 1,000 dollars, and you have to investigate my legal responsibility!

Yu Yuanming persuaded again: How to buy this insurance, you know best. We didn't know each other at first, but you took the initiative to ask. I only met you through a customer introduction, and all the information when I bought it was provided by yourself. Falsehood or falsehood, you know best. How could I possibly know that you had cancer? If you told me you had cancer, I wouldn't have sold you this insurance at all! The company wouldn't have gotten it! Think about it, am I lying to you? Or is it your own problem?

After some quarrels and theories, Yu Yuanming finally took out 500 yuan to the customer. He Cheng was working on both sides, and Yu Yuanming thought to himself that the commission would be refunded to him, forget it. It's too little over there, He Cheng said that this is all humanitarianism that people show when they see your difficulties, and if it's too little, there will be no more.

After a long time, the customer finally wrote a note, saying that because of the insurance claim dispute, he received Wu Baiyuan's hardship money today, and he would no longer make any claims to Wanjia Insurance and Yu Yuanming in the future.

Even if this matter is over, Yu Yuanming will feel uncomfortable for a few days. When she went to tell Sister Zhou about the situation, Sister Zhou was also very surprised! She didn't know that the two of them had come to ask for insurance because they were sick.

Things before and after prove a saying: there are always some problems with taking the initiative to buy insurance. Refusal is the norm, and you need to be careful if you don't refuse or even take the initiative to buy insurance. The so-called abnormal things must have demons!