Why do people need to buy insurance, and why do people need to buy insurance?

Consider the need for protection.

Reason 1: Now that critical illness occurs at a younger and younger age, whether it is the people around you or various celebrities, countless examples are proving that critical illness is not as far away from us as we think. Moreover, environmental pollution is very serious, coupled with the increasing pressure of people's lives, the pace of life is getting faster and faster, poor personal habits and genetics and other factors, the incidence of critical illness is getting higher and higher. In fact, people will have health problems as long as they live, and according to surveys, the proportion of people who have serious illnesses is.

Reason 2: Some people ask, why do you need to buy critical illness insurance when you have medical insurance? In a popular phrase, social security is just rice, commercial insurance is a dish, if you want to get more extensive and comprehensive protection, then critical illness insurance and other commercial insurance is indispensable. Medical insurance and social security can only provide local minimum standard medical services, and can neither choose a more suitable foreign hospital, nor can they use more advanced drugs and medical equipment designated by non-social security.

At the same time, they also have to bear the cost of nutrition, medical expenses and other expenses.

Reason 3: Many people will ask, we already have social medical insurance, why do we need to buy critical illness insurance of commercial medical insurance, isn't it a waste of time and money? I solemnly tell you that this is a wrong view, why is this?

If you buy critical illness insurance, because the commercial critical illness insurance claim can be paid in advance, that is, if a person suffers from a serious illness, the medical insurance needs to pay the medical expenses in advance first, and then only reimburse the specified part. Commercial insurance makes up for such a shortcoming, as long as you are diagnosed, you will pay the amount of claims stipulated by the insurance in advance, and as long as you suffer from the protection stipulated in the insurance terms, you can get the insurance company's claims at one time, not only do you not need to pay medical expenses after your illness, but more importantly, reduce the burden of personal medical expenses. In a nutshell:

Get the money first and then see a doctor!

The second quadrant and the fourth quadrant respectively mention the life-saving money - protection insurance, and the capital preservation and appreciation money - annuity increased life insurance.

In other words, a healthy family's financial situation is inseparable from insurance planning.

The pursuit of wealth is unavoidable for human beings, so if you want to be richer and healthier, you can configure a little insurance.

Insurance is the best solution to two major problems in life: life insurance to help you plan for the future, life insurance to provide you with retirement cash; It is a systematic approach to saving; It is the easiest, cheapest, and fastest way to make cash; is a complete financial plan. Buying insurance is to supplement the lack of "social security benefits", so that the standard of living after retirement will not drop significantly; I hope that when we are dying, we will not have a financial burden, and we do not want to pass on the funeral expenses to our families.

When you lose your earning power, you can pay off your debts and let your family live together as usual!

Each of us does not live for ourselves, we all carry responsibilities, and at the same time, everyone faces diseases, accidents and life risks, life is impermanent, insurance can transfer risks, insurance is a talisman. Reserves, pensions for old age, and education for children. The continuation of love.

Because people are at risk, unexpected illness can not be predicted, growing old is something that everyone has to experience, insurance is the only risk transfer tool, insurance can not prevent these things from happening, but it can prevent our family from getting a sum of money when these things happen, so that they will not be unable to live because someone leaves, or affect life.

That shows that this is responsible. Be responsible for your family. will pass on the risk.

The benefits of insurance are endless. For example, if a person who has bought insurance gets sick, the insurance company can reimburse him. If a person has a critical illness and needs a lot of money, and then he buys an insurance, even if he has only paid for 2 years, the insurance company will still pay him double.

What if a person has no money, then he has a serious illness and no money for treatment? Go there and get so much money.

If we don't need to get a cash rush when we're sick;

If we would rather pay a huge amount.

Inheritance tax; If we prefer that fixed assets such as real estate and cars are frozen when we face debts and debts;

We can do without insurance.

That's right, insurance is to prepare for tomorrow today, this is true stability, when you are born to prepare for death, this is really broad, parents are ready for children, this is true love, you can't do these three steps, you can't be counted as a person now.

For a rainy day!

People who have no long-term worries must have near-term worries!

Insurance is the transfer of risk, an accident can ruin a family, but insurance can save a family.

What is insurance? Why should we buy insurance.

In order to make yourself more secure for your family.

The reason why everyone needs insurance: insurance is risk transfer. After all, if you bear it personally, the financial burden is too heavy, and buying insurance is to transfer your own risk and get full risk protection with the least effort.

For example, if you buy medical insurance, you need to pay 100 yuan a year, and you only pay 1,000 yuan in ten years, as long as there is any serious illness in this ten years, the medical reimbursement money is far more than paying medical insurance for ten years.

Insurance refers to the commercial insurance behavior in which the policyholder pays the insurance premium to the insurer in accordance with the contract, and the insurer bears the responsibility of compensating for the property loss caused by the occurrence of the accident that may occur as agreed in the contract, or bears the responsibility of paying the insurance money when the insured dies, is disabled, sick, or reaches the age and time limit agreed in the contract.

Extended reading: [Insurance] How to buy, which one is better, teach you to avoid these insurance"pits"

There are many benefits of buying insurance, and it can even be said that it is very necessary for people to buy insurance.

To understand why people buy insurance, we can first understand what insurance does.

1.Insurance is leveraged and can leverage higher sum insured at lower premiums

People may face many risks in their lifetime, such as illness, accidents, death, and so on. Once these risks occur, the consequences are unimaginable.

Although protection insurance cannot avoid the occurrence of these risks, it can often transfer the economic risks caused by these risks.

The expenses required for major illnesses are often difficult for ordinary families to bear. If you have critical illness insurance, if you are eligible, the insurance benefits paid by critical illness insurance can help patients and their families solve the financial crisis and carry out with peace of mind**.

Therefore, it is very necessary for people to buy protection insurance!

What is the difference between critical illness insurance, medical insurance, accident insurance, and life insurance? Will there be a conflict when making a claim for hail?

2.Insurance has a financial management function

At present, the first wealth management products have broken the rigid redemption and are no longer guaranteed. The only types of principal-guaranteed financial management are bank savings, fixed deposits, treasury bonds, and insurances with the nature of wealth management in addition to investment-linked insurance.

Because insurance provides policy loans and other rights and interests, its liquidity will be better than the other two types of capital preservation financial management!

For example, increased whole life insurance is a kind of capital protection financial insurance, and many high-net-worth individuals also like to manage their finances by taking out this insurance.

Friends who are interested in financial insurance, you can also take a look at this article:

What is the difference between participating insurance, universal insurance, and increased whole life insurance? Which one is the best deal?

From these examples, we can see that there are many benefits to taking out insurance. Protection insurance such as critical illness insurance is even more necessary to buy!

【Insurance】Which is better, how to buy a good deal, teach you to avoid these pitfalls of insuranceHope.

Nowadays, many people are no longer satisfied with only enjoying the protection provided by social insurance, but also buy a series of commercial insurance for themselves to supplement, so why should we buy commercial insurance? What is the charm of commercial insurance that makes more and more people choose and buy, presumably this is what many people will wonder. After all, the annual cost of social insurance is already expensive, and if we choose commercial insurance, will we be under a lot of pressure?

But everyone's pursuit of it is clearly in front of everyone, which makes us very curious about the charm of commercial insurance.

In fact, commercial insurance makes up for the lack of social insurance to a great extent, which is why many people want to buy commercial insurance. Nowadays, most insurance companies have designed many types of insurance with many functions according to the psychology and needs of the policyholders, which undoubtedly meets the appetite of the insurance group to a large extent, so that commercial insurance and social insurance have formed a powerful model. However, there is no mutually exclusive phenomenon between the two, and the two can completely make up for each other, and the two can be combined with each other to form the most comprehensive guarantee.

Extended reading: [Insurance] How to buy, which one is better, teach you to avoid these insurance"pits"

Consider the need for protection.

1. Because risks are everywhere, people are born, old, sick, dead, and disabled in their lives, and we don't know when other risks will occur except for the problem of pension. For example, accidents and diseases are difficult to occur. As far as accidents are concerned, although the rapid development of modern means of transportation has provided people with a more convenient and comfortable journey, it has also caused more deaths and injuries caused by car accidents and maritime and aviation disasters.