Will the money spent on buying insurance and seeing a doctor affect the dividends?

Generally not, dividends are generated by the main insurance, and the cost of medical treatment is an additional medical insurance, which does not affect dividends, but if you report a critical illness, it may affect dividends, depending on the terms of insurance!

Depending on your household income, the premium cannot exceed 15% of your annual income, and you calculate the total annual premium and divide it evenly.

Next, what do you value most about your family? Is peace right?

Well, health insurance is the first choice, pay attention to the pure protection form, which can bring dividends, but it must not be financial protection, such as universal and other investment-type insurance, because you must understand the truth that you can't have both.

Then, you can add hospitalization insurance and accident insurance to your critical illness insurance.

After the security type is completed, consider the pension supplement for the two of you and the education supplement for your children.

In fact, there should be seven insurance policies in a person's life: the first one: the accident insurance policy, and the second one:

Critical illness medical policy, 3rd: endowment insurance, 4th: life insurance policy to protect wealth, 5th-6th:

Children's Education and Accident Policy, Section 7: Tax Avoidance Policy.

1.Chinese life, old company, right? My friend is from Xinjiang, came to live in Tianjin, died in Tianjin, my lover wants to handle compensation, must go back to Xinjiang to do it, and cut for more than 1 month, the money has not arrived, I asked, said I haven't done it, and I don't know what's going on.

Moreover, when I was in Tianjin, I wanted to ask the company here in Tianjin what to bring for the claim, and what I said here looked at the Xinjiang side, and the procedures on both sides were different. I'm so angry!

2.Taiping Life, I had gallstone surgery last month, and I cut off the gallbladder, which cost less than 20,000 yuan, and gave the claim to my ** person the day before, and I received a text message the next afternoon, and the money was lost, I was shocked! Huge fast!

Moreover, his family can also claim claims in other places, which means that if you see a doctor in another city, you can go to the branch office to make a claim locally. Save as much trouble as my friend.

No, as long as the reimbursement does not exceed the sum insured.

Hello! Commercial insurance itself is reliable, of course, you must choose the right insurance for you when buying insurance!

What needs to be reminded is to purchase appropriate commercial medical insurance, which needs to be designed according to the age, occupation, and protection needs of the insured. Therefore, if you plan to add appropriate inpatient treatment insurance to your family, it is recommended that you consider it comprehensively in light of your family's specific protection needs.

It should be noted that there are many types of commercial medical premature insurance, mainly including general medical insurance, accident medical insurance, illness hospitalization medical insurance, etc., it is recommended that you can choose according to your actual situation.

Reimbursement words, generally according to the nature of your medical insurance, can be divided into two categories: expense type, payment type, you can according to the type of insurance you insure, in the event of a claim and the insurance company report, according to the requirements of the insurance company to prepare the corresponding materials, in accordance with the procedure for reimbursement on it!

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

Participating insurance does not cover sickness, and if you are insured, you must take out critical illness insurance. There is no compensation for getting cancer. Nowadays, many people in society often buy dividend insurance because they don't understand insurance, thinking that it is serious illness insurance, but in fact, it is only for personal financial management, and it is useless for personal protection.

To put it simply, the dividend insurance is almost equal to the **, you can get the dividend with this, but it is safer than the **, no matter how the company loses, the old book will be returned to you.

Here's what you can know about the definition of participating insurance:

The main feature of participating insurance is that, in addition to the insurance liability stipulated in the traditional policy, the policyholder can also enjoy the operating results of the insurance company, that is, the distribution of the surplus from the investment and management activities of the insurance company.

There is no difference between the protection provided by participating insurance to customers and non-participating insurance, such as death benefit, survival insurance payment, etc., and its protection content, insurance amount, policy value, and insurance premium are clearly agreed in the contract when applying for insurance, which is what we often say"Guaranteed"--Regardless of the business situation, the insurance company must cash in to the customer in the event of an insurance liability accident or the expiration of the insurance period.

Dividends, which are the part of the customer's investment income, are related to the operating conditions of the insurance company"Hooks": Insurance companies are profitable, and customer benefits follow"A rising tide lifts all boats", not capped; Insurance companies have low profits, and so do customer returns, and the only risk that customers take is that there may be no dividend distribution.

1. Sick insurance, disease-free value-added (advance payment: hospital diagnosis certificate, **, pathological test). Health insurance 22 types of high-incidence critical diseases and vital organ surgeries, critical illness insurance benefits will be paid in the event of critical illness.

In the absence of a critical illness, the sum insured and value will be automatically increased through the sum assured dividend.

2. Pay in advance, worry-free critical illness. In the unfortunate event of a major illness, the basic sum insured will be paid in full upon diagnosis, avoiding "borrowing from east to west", ensuring timely treatment of life, and reducing the financial and mental pressure of the family.

First of all, your question is too vague, I can only say that each product is different, and it depends on when the product is made. A few years ago, China had dividends for aggravated illness insurance, but the insurance regulatory commission did not allow critical illness insurance to pay dividends, but the system is not perfect after all, as long as the participating insurance and medical insurance are divided into main insurance and secondary insurance for combination, it is a disguised dividend insurance that can insure the disease. Please refer to Taikang Life's Taikang Jixiang and Pacific Life's Jintai Life.

I've been in both companies, trust me.