After learning the main insurance, I will learn the additional insurance in the afternoon. In the past few days, Yu Yuanming felt that his braincase was not enough. Receive a lot of fresh, interesting, and complex knowledge every day. Learning is indeed a good thing, but learning too much still has a chaotic, cluttered feeling. Maybe it's because I haven't been exposed to it before, and all kinds of information that comes in a flood at once make people have a natural reaction to indigestion. Yu Yuanming thought to himself, whatever, let's learn it first!

The afternoon add-on is not simple, but it makes everyone feel that the insurance is really beneficial.

An additional hospitalization reimbursement insurance, which does not pay much and is very useful, can be reimbursed for hospitalization. What hospitalization expenses, medical expenses, bed fees, surgery fees, and even ambulance fees can be reimbursed 80%. Yu Yuanming thinks this product is really good. However, this product also has a feature, that is, it cannot be purchased separately, and it needs to be attached to it after buying the main insurance. Mr. Qi Youpeng said that in fact, this additional insurance company is loss-making, and the company mainly relies on long-term insurance to make money. The so-called fat and thin!

Mr. Qi also talked about some of the claim requirements of this insurance: only hospitalization in designated hospitals can be done, and if you do not report within three days, you will deduct three days of reimbursement. It is necessary to have relevant documents for hospitalization: such as medical records, hospitalization certificates, medical certificates, list of expenses, etc. There will also be people from the company who visit the hospital.

No private clinic can be reimbursed. Longcheng County Hospital is a designated hospital, but a traditional Chinese medicine hospital is not. The hospital of a large enterprise 20 miles away from Longcheng County is not a designated hospital, but it is an accredited hospital. That is, it is best to be Longcheng County Hospital, and if it is not good, it can also be that enterprise hospital. The other hospitals are the third-class hospitals and above in Jiangnan Province.

At this time, a classmate asked: What should I do if I am sick on a business trip or traveling in a foreign country?

Teacher Qi patiently replied: It's also simple. The local tertiary or above hospital is sufficient. Keep in mind that we at Wanjia Insurance are a national insurance company with branches in most cities across the country and can serve customers.

Everybody said, "Oh!

Sickness insurance is not reimbursable, and the effective period is 30 days. Except, of course, caused by accidents.

Next, Mr. Qi introduced us to accident insurance. This is also an additional insurance.

The cost is not high, and the role is quite large.

At the beginning, he asked everyone what an accident was.

That Peng Jiayu was the first to answer: It was accidentally injured, right?

Teacher Qi said: That's a good answer. Is there anything else?

Seeing that everyone was thinking, Yu Yuanming boldly added: It should be an accident as long as it is not caused by himself, right?

Teacher Qi also said that the answer was okay. But it was not complete and accurate enough, so he opened the terms and told everyone the meaning of accidental injury word by word:

The so-called accidental injury refers to the objective event in which the insured suffers from external, sudden, unintentional and non-disease injuries to the body.

Please remember the four definite words: foreign, sudden, unintended, and non-diseased.

But Mr. Qi also emphasized: Can you understand this to everyone?

Everyone said: Yes, I understand.

Mr. Qi asked again: What about the customers? Especially those customers who do not have a high level of education.

Everyone replied: No. I definitely can't understand it.

Teacher Qi said: Therefore, if you explain to customers what is called accidental injury, you can't introduce it too professionally. You can explain in layman's terms that a fall, a sprain, a scratch, a scald, a cut, a dog bite, a cat scratch, are all accidental injuries. As long as you go to the hospital for treatment, you can spend more than 100 yuan to get reimbursed. However, unlike the supplementary medical insurance, this accident outpatient clinic can be reimbursed, not necessarily hospitalization. Of course, it should also be noted that the hospital is still a designated hospital.

A classmate asked another question, and Yu Yuanming noticed that it was an eldest sister from a rural area who was asking: Teacher Qi, our rural area is far away. If you are injured suddenly, it will be difficult to get around. If you send it to the county hospital, you may lose it. It has to be a county hospital, right?

Teacher Qi replied confidently: You can rest assured that Wanjia Company has already considered it for you. As long as it is caused by an accident, the township hospital can treat it in time, and then transfer to the hospital after the first aid is over. As long as you keep the relevant procedures, you'll be fine.

Then Mr. Qi introduced the three cases of accidental injury, accidental injury medical treatment, which is the simplest accidental injury treatment. The more serious is the accidental injury disability, which is divided into seven levels and 34 levels. The payouts are different for each tier, and they are ranked from highest to lowest. For example, if the most serious high-degree disability is a disability of both hands or feet or both eyes, 100% of the sum insured by the accident insurance will be paid. The slightest level of seven, such as the missing thumb of the right hand, is 10% of the payout. This is also scientifically sound.

The last is accidental death, which is also a professional term and an alternative to death.

Accidental death is paid directly according to the sum insured.

Get home and get to bed. Yu Yuanming's mind was in a mess. For a while, it is the role of the insurance industry, for a while it is a product, for a while it is a company, for a while it is a professional term that is laborious, and there are teachers with different styles, and students who are very different, especially the shadow of Zhong Qian is always dangling in front of him intentionally or unintentionally. Thinking of her seductive lips and tall body, Yu Yuanming suddenly found himself shamefully hard.

Bury yourself, why don't you want to get down to business, and your thinking is back to insurance. Yu Yuanming thought a lot in his heart: I don't know who to talk to, which insurance is the best, if I have money, which is the best, and if I can talk like those teachers!

Thinking of their professionalism, seriousness and different charms, and looking forward to the future insurance work, Yu Yuanming fell asleep in a daze.

Because he didn't sleep well on the first day, Yu Yuanming was a little weak the next morning. Before going to the company for training, Wang Chengkuan came to the class to visit Yu Yuanming. After chatting casually, Wang Chengkuan greeted several other students, and Yu Yuanming realized that those were also the people Wang Chengkuan had found. Among them, there is a skinny little girl, in her 30s, named Chen Huan. Yu Yuanming found that Wang Chengkuan was very attentive to her, and he was very kind to ask for warmth.

Later, I learned that she was an employee of a large state-owned enterprise, and she happened to have a vacation these days, so she came to participate in training.

There is also a lot of talk at the beginning of the day, mainly sales skills.

The teacher in the morning was a small man with a good appearance, rich expression, and standard professional attire, very energetic. According to his self-introduction, he came from Longcheng County Ferroalloy Factory, and because of the poor efficiency of the unit, he walked out of the factory and mine to join Wanjia. I have been doing insurance for a year and was successfully promoted to supervisor, and my name is Zhou Hai. The first lecture given by Director Zhou Hai was "The Process of Professional Sales", which made everyone fascinated by the exaggerated expressions, rich body movements, in-depth explanations, and the smooth connection of one process after another. It was also this lesson that unlocked the secret of insurance sales, and it turned out that it was not simply to tell others how much to pay and how much to pay when they died. First of all, you have to have a plan and activities, that is, you can design an activity plan according to your own conditions. For example, if you are ready to earn 3,000 yuan a month, it is not simply to say that I work hard. How do you try? Where do you try? What do you try? Hard work is just an attitude of yours, not a guide to your actions. The action guide is: if you want to earn 3,000 yuan, you must break down the goal and the actions achieved. For example, if the commission rate is 30%, then you will have to pay a standard premium of 10,000 yuan. If the commission rate for short-term insurance is only 15-20%, the premium needs to be more. If an insurance policy costs $1,000, it takes 10 policies to achieve. Visited 10 customers, 3 of them were interested, and finally signed one. That's 100 customer visits. There are 3.3 customers to visit every day. With less than 3.3 customer visits per day, you don't want to say anything you tried your best, you worked hard and so on. And these 3.3 customers are real and effective, and the visit is also an effective visit. Making a phone call, going to a no-meets-person or something is not an effective visit.

The next step is to write a list of customers. Each person writes 100.

At this time, it's time to test your memory. Yu Yuanming thought about all the people around him, and still wrote out more than 100 lists.

Director Zhou Hai said that this list is your passbook. If you want to make money, you need to use this list to select the best customers to visit.

Remember: the money in the customer's pocket is the money in your pocket, and whether you use it or not depends on whether you can open your mouth or not.

Then there is the preparation before the visit, including the mentality, materials, route, time, and small gifts.

This reminded Yu Yuanming that Chen Bin brought Wang Chengkuan to his house that day, and he chose a vacancy. Between 2 p.m. and 5 p.m., the restaurant industry is idle. It seems that they also discussed.

Then it's the contact, and it's not about the product, it's about making a good first impression. Greetings and compliments, cut into the topic of insurance at a certain time, and follow the trend.

Next, we are faced with talking about the product, which is called explanation.

The timing of the explanation and sub-description, the total score of the product, the total method of the product, the concretization of figures, the colloquial description and vividness, interspersed with cases, emphasizing the benefits and emphasizing the risks.

You also need to pay attention to where you sit. Don't sit across from the customer, it's better to sit on the customer's left hand side.

If the product arouses the interest of the customer, it is necessary to try to get the customer to sign the purchase and confirm the insurance procedures.

Not once, try again.

Facilitating customers to sign orders is a bit like pulling a girl's hand, not only to see the timing but also to be bold and careful, don't miss the opportunity because of shyness.

There are also many ways to promote, and Yu Yuanming thinks that there are so many ways for insurance companies!

If I were a customer, I might have bought insurance.

There is also after-sales service, delivery of insurance policies, information modification, claims, and new product introductions.

There is also something that must be faced in the middle - rejection.

Because the purchase of insurance is against the instinct of human nature, uncertainty, and non-occurrence, human beings generally have a fluke mentality. Therefore, in the whole sales process, there will be a customer's refusal, we can not avoid it, we can only come to cover the water, and the refusal of the insurance customer is applicable to the refusal processing.