手续繁琐。保单做礼品先要被保险人同意,可送礼先让被保险人签字后才能生效,一个简单的问题搞的很复杂,故礼品保单对于生活工作节奏快、“时间就是金钱”,凡是讲究效率的人来说,这显得繁琐。送礼还得征得对方同意,真是麻烦。正是因为复杂的程序,一些准备将保单做礼单的人也打了退堂鼓,干脆不如直接送压岁钱和消费卡更实惠。 Procedures complicated. First, the insurance policy to be the insured gift, the gift can be submitted to the insured to take effect after the signing of a simple question complicated, so the gift policy for the fast-paced life, “time is money,” who pay attention to efficiency For people, this is tedious. Gifts have to get each other’s consent, really troublesome. It is precisely because of the complicated procedures that some people who are prepared to make a policy leaflet have also taken a step back. It is better to send a lucky money and a spending card directly.