超半数消费者不清楚： 多买保险≠多赔付

Core Insights - The report from the Consumer Financial Literacy Center indicates that a majority of consumers (55.15%) are unaware that they cannot receive compensation exceeding their losses when purchasing property insurance from multiple companies [1] - The principle of loss compensation is central to understanding why duplicate insurance does not lead to excess payouts, as it ensures that insured parties can only recover actual losses incurred [2][3] Group 1: Loss Compensation Principle - The loss compensation principle states that compensation is only provided when an insured event causes actual economic loss, and the total compensation cannot exceed the actual loss incurred [2] - For example, if a car valued at 200,000 yuan is insured for 20,000 yuan with three companies, and the repair cost is 90,000 yuan, the total compensation received will still be limited to 90,000 yuan, regardless of the total insured amount [2] Group 2: Legal Framework - According to insurance law, the total insurance amount cannot exceed the insured value, and any excess is invalid, with insurers required to refund the corresponding premiums [3] - In cases of duplicate insurance, the total compensation from all insurers cannot exceed the insured value, and insurers will share the compensation responsibility based on the proportion of their insured amounts [3] Group 3: Types of Insurance - Expense reimbursement insurance (including property and medical insurance) cannot be claimed multiple times, while fixed benefit insurance (such as critical illness and life insurance) allows for multiple claims [4] - For instance, if a consumer has critical illness insurance from two companies totaling 80,000 yuan, they can claim the full amount upon diagnosis, regardless of actual expenses incurred [4] Group 4: Consumer Guidance - Consumers are advised to avoid over-insurance, ensuring they purchase adequate coverage for property insurance and consider layering benefits for fixed benefit personal insurance based on their needs [5] - Before purchasing insurance, consumers should ask three key questions: the type of coverage (reimbursement or benefit), the maximum coverage limit, and disclose any existing coverage to avoid disputes [5]