Is the cheaper the insurance, the better?

No, it depends on the content of the guarantee. For example, if you buy an insurance policy with a cheap premium, but the coverage is not complete and cannot meet your basic needs, then you will not be able to get good protection.

Premiums are related to many factors, such as age, gender, payment period, coverage coverage, etc. For example, the younger you are, the cheaper the premiums are likely to be. For example, men of the same age group often buy insurance more expensive than women.

For example, the longer the payment period, the cheaper the premium payable for each period. In addition to these, it is also related to the type of insurance and the content of the insurance. Different ages need to buy different insurance, so the premiums should be paid are different, so how should you buy insurance?

When we buy insurance, the most important thing is to look at the content of the insurance. For example, critical illness insurance, we need to see whether it has mild to moderate diseases corresponding to high-incidence diseases, and whether there are additional claims for critical illnesses, multiple claims for high-incidence critical illnesses, etc. For example, if you don't have moderate illness coverage, you may not be able to get a claim when you have a moderate illness.

So how do you buy critical illness insurance? Here is a buying guide for seniors, who want to buy critical illness insurance, you must see: How to buy critical illness insurance?

It's a buying guide, and if you miss it, you'll lose it!

When we understand what insurance we want to buy, we should also pay attention to some small details when applying for insurance. For example, health notice, most insurance companies need to be informed before applying for health information. Friends must tell the truth and cannot deliberately conceal it, otherwise they may not make a claim after being found out by the insurance company.

Internet insurance is generally not very expensive, compared to traditional insurance. There are some serious illness insurance in Internet insurance, medical insurance** will be relatively cheap, like Alipay's good medical insurance, it is really very cheap, and the protection is very complete, this is good insurance, so it sells very hot. However, when buying insurance, you must not only look at the cheapest, but also look at the protection responsibility, that is, what is written in the terms of the product.

The terms are written in written language, more complicated, the average person is very difficult to understand, I didn't understand the insurance at the beginning, read the terms and conditions like reading the book of heaven, and then read more articles on the fish, I slowly understood. This multi-insurance fish is very good, there are a lot of insurance articles in it, everything is said, there are questions and answers, ** design schemes, and you can also buy insurance on it, which is very fine. I've been planning to buy insurance for my family on it recently.

Buying insurance, not that the lower its ** is necessarily better, it depends on the protection of the product you buy.

For example, if the coverage content of the two critical illness insurance is similar, then the one with the cheaper premium is undoubtedly better.

Here, in order to help everyone be able to buy cost-effective insurance, the senior sister has also compiled an insurance purchase guide for everyone, interested partners can understand: which insurance is good, how to buy a cost-effective one, and teach you to avoid these pitfalls of insurance.

The more expensive insurance is not only unsuitable for small partners with limited budgets, but also brings certain economic pressure, so everyone should configure the first spring insurance product within their own budget.

Those who are familiar with insurance should know that the ** of insurance products generally refers to the insurance premium, and the insurance premium is the fee that the policyholder and the insurance company need to pay to the insurance company after signing the insurance contract.

Speaking of which, if you have friends who are not very familiar with the knowledge content of insurance, you may wish to take a look at this article:Ultra-complete! Everything you need to know about insurance is here

Generally speaking, the amount of premium is usually affected by factors such as the sum insured, the duration of coverage, or the insurance rate, the higher the sum insured, the longer the coverage period, and the higher the insurance rate, which may lead to the premium becoming more ruin.

But as I just said, the premium of insurance products is expensive, which is likely to bring a certain financial burden to consumers, so the senior sister suggests that when buying insurance products, you must first clarify your economic budget, and then choose products that can meet your protection needs within the budget.

Hope!

Insurance is not the same as other things, not the more expensive the insurance, the more reliable, only the insurance you choose according to your needs is the most reliable。There are all kinds of insurance companies on the market, and there are countless insurance products, many people want to buy insurance for themselves, but they don't know how to choose a reliable insurance. Some people have such a misunderstanding, that is, the more expensive the insurance, the more reliable, after all, there is a reason why it is expensive.

In fact, this is not the case, after all, insurance is not the same as melons, fruits, pears and peaches.

If this is your first insurance, then it is recommended to buy life insurance or accident insurance first, rather than recommending that you buy those participating insurance, financial insurance, etc. The main purpose of buying insurance is to have more protection, but insurance such as participating insurance and financial insurance cannot give us more protection, even if it is endowment insurance. Although the conditions of endowment insurance are very good, this is already a matter of decades later, so the first time you buy insurance, you should still focus on critical illness insurance and accident insurance related to health.

Critical illness insurance and accident insurance are really not very expensive, for example, accident insurance has a short-term annual insurance, and the annual payment is only about 200 yuan, but the premium can reach hundreds of thousands, and the focus is on annual payment, so the flexibility is higher. If you are only in your early 20s and want to insure three or four hundred thousand, the annual premium is only 5,000 yuan, and many recent college graduates can afford this cost.

Critical illness insurance and accident insurance can give you a little more protection in the event of an accident, if you only know to blindly buy financial insurance, participating insurance, there is no protection at all in the event of an accident. But can you say that dividend insurance and financial insurance are unreliable? Of course not, it's just that you don't need it for the time being, and after purchasing critical illness insurance and accident insurance, you can choose this type of insurance appropriately, and we want to buy insurance that can really help us.

It's not that it can't be so absolute, the more expensive the insurance, the greater the responsibility and amount of compensation.

No, because the company is more formal to give everyone a guarantee, the more expensive the insurance, but the higher the odds, can not explain the reliability.

No, it has nothing to do with this, it is the most reliable to choose a good company, not that the more expensive the more reliable.

The sum insured is the abbreviation of the insured amount, which refers to the maximum limit of the insurer's liability for compensation or payment of insurance money. In the face of different insurance products, many friends do not know how much to buy, how to choose the amount of insurance must be combined with their actual needs, the amount of insurance is one of the most important components of insurance, the amount of insurance determines the size of its ability to resist risks, so how much insurance must be carefully considered when applying for insurance. Different groups of people have different needs for insurance, and the setting of the insured amount of different insurance products is also different, so how much insurance is appropriate?

Maybe many friends are not very clear about this issue.

The amount of insurance is determined by a variety of factors, subjectively depends on their own needs and economic ability, the higher the amount of insurance, the greater the ability to resist risks, this sentence is true, but it should be within a reasonable range, if it exceeds its own affordability, it is obvious that the gains outweigh the losses. The role of insurance is to resist risks, and the amount of insurance determines the size of the insurance's ability to resist risks, if the amount of insurance is too low, then its ability to resist risks is very small, and it loses the meaning of insurance. If it is a critical illness insurance with an insured amount of 200,000 yuan, but the economic loss caused by the insured's illness to the family is 500,000 yuan, it is obvious that the 200,000 yuan paid by the insurance company cannot meet the demand.

The premium of insurance is largely determined by the amount insured, the higher the amount insured, the more expensive the premium of the insurance, the greater the economic pressure on the corresponding policyholder to buy this insurance, for the average family, the excess premium expenditure will seriously affect the quality of life of the family and increase the financial burden. Therefore, it is not advisable to have an insurance amount that is too low or too high, and it is only wise to choose if it is appropriate (the premium is within the tolerance and the ability to resist risks is sufficient).

The average cost of serious illness is 300,000 yuan, and it is recommended that the insured amount of critical illness insurance should be set at least 300,000 yuan, and if it is a first-tier city, the cost of living is high, and the insured amount should also be increased to 500,000 yuan. If it is the "breadwinner" of the family, it will increase the loss of income for 3 to 5 years, and the normal expenses of the family can be temporarily maintained. If the safety factor of the working environment is high, it is enough to buy 300,000 yuan of insurance; If the probability of risk in the working environment is relatively large, it is recommended that the amount is more than 500,000 yuan, and accident insurance with public transportation is preferred.

Yes, if the amount of the same insurance is getting higher and higher, it means that this insurance is very affordable, so such insurance is very worth buying.

No. This also depends on the actual situation, not the higher the sum insured, the better, you should choose the one that suits you, choose some practical, and you should also choose a good reputation.