Is it necessary to buy yourself a business insurance

The functions of adult insurance mainly have one content: 1. Death protection, the purpose is worthy of the family, and the money is left behind; 2. Accidental disability insurance, the purpose of which is to compensate for a large amount of disability caused by accidental injury (in reality, this risk abounds) 3. Reimbursement of medical expenses, with the purpose of reducing the pressure on medical expenses; 4. The purpose of supplementing large medical expenses for critical illness is basically the same as above, and it is put forward separately, mainly because the insurance significance of critical illness insurance is greater, because it is often a solution to the unbearable burden; 5. The purpose of pension savings planning is to save little by little in advance to accumulate their future pension funds, accumulate a lot, and improve the quality of life of the elderly in the future. There are many ...... in detailFor you don't want to look for insurance by yourself, otherwise you will only get lost in the sea of insurance.

This is the business of the insurance officer, and it is important for you to explain the requirements and your own situation clearly and in detail. The first step is to clarify your needs, that is, why you want to buy insurance (what problem do you want to solve, or what do you want to achieve?). That is, the direction is clear, and it is possible to choose the right type of insurance.

Then explain your approximate economic ability and premium budget, as well as the entire background I mentioned above, so that excellent insurance people can consider comprehensively, make a choice of priorities (not necessarily all your needs can be met, but there must be priorities), and most effectively realize your insurance needs through a reasonable combination of insurance types, which is a scientific process. The specific operation line can directly find the best people from several different local companies, explain the details and specific requirements, and conduct an open comparison to see which of the insurance solutions it provides is more effective for your needs, which is what you need. In addition, there is now an insurance bidding platform for the intermediate station of Life Sky Insurance on the Internet, which can directly and anonymously solicit specific plans of different insurance companies for comparison and selection.

Although commercial insurance** is not cheap and is for profit, it is necessary to buy such products, among which critical illness insurance, medical insurance, and accident insurance are indispensable protections. The main reasons for this are as follows:

1. The basic medical insurance can only cover the expenses in the medical insurance.

Although more and more people have basic medical insurance, they can only be reimbursed for medical expenses within the scope of medical insurance, and cannot be reimbursed for medical expenses outside medical insurance, and there is a limit on the amount of reimbursement. If you suffer from a critical illness, medical insurance alone is definitely not enough, so it is necessary to allocate commercial medical insurance and critical illness insurance.

Medical insurance can supplement the basic medical insurance and reduce the loss of medical expenses caused by illness or accidents, of which million medical insurance is a good choice, with a high amount of protection, a wide range of reimbursement, and a low cost of about 100 yuan a year.

Critical illness insurance can deal with the loss of income caused by critical illness, because this type of product is a benefit-type insurance, which can be paid when the contracted disease is diagnosed and the claim requirements are met, and it is a one-time payment, which can not only deal with the loss of income, but also be used to pay for medical expenses, and the claim money can be used flexibly.

2. The incidence of accident risk is high.

It is said that tomorrow or accident does not know which comes first, so accident protection is indispensable. The work-related injury insurance in social security can only cover accidents that occur during work and on the way to and from work, and the protection is limited, so it is necessary to configure accident insurance. The accident insurance on the market is cheap and easy to insure, and you can get a good accident insurance protection for 100 yuan a year.

3. Family responsibilities.

The breadwinner of the family is the main income of the family, and it is necessary to bear the family responsibilities, not only to support the parents, but also to raise the children, in case of an accident one day, resulting in death, the family income is interrupted, and the normal life of the family may be affected. Therefore, for the breadwinner of the family, it is necessary to allocate term life insurance.

That's all for the question of whether it is necessary to buy commercial insurance, I hope the above content will be helpful to you.

Due to the need to ensure the basic livelihood of workers in the whole society, the social insurance system has no way to achieve a high standard of security. In other words, the scope of social security is small, the amount of insurance is low, and the compensation is small, leaving individuals with more risk exposure, and they cannot bear the responsibility of ensuring risk aversion in personal and family life.

Taking social basic medical insurance as an example, the reimbursement scope of medical insurance is limited to the part of the starting line, and the 10% self-payment ratio must be included.

At present, medical insurance mainly reimburses outpatient expenses and hospitalization expenses, but not all the best tools and means are covered by medical insurance, and there are still many that need to be borne by themselves.

In terms of drug costs, not only can there be many Class B drugs that cannot be fully reimbursed, but also imported drugs and special drugs cannot be reimbursed under normal circumstances.

Therefore, in the end, we will find that social insurance can only ensure the basic life of workers, and the higher protection needs of individuals are beyond the reach of the whip.

Therefore, it is necessary to purchase commercial insurance, which takes advantage of its wide coverage and high protection amount, and covers the risk exposure together with social insurance, helping us avoid possible losses and escort our future life.

The commercial insurance types and products on the market are relatively rich, and our common commercial insurance can be divided into protection and financial management.

Is it necessary to buy business insurance? Here's what the experts have to say:Should I buy insurance? If you don't take risks, won't the money be spent in vain?

Generally speaking, we need to pay attention to the following points when configuring commercial insurance:

1. Clarify the needs.

If we want to apply for commercial insurance, we must first clarify what our protection needs are, and only when we know what protection we need can we select the insurance products that are suitable for us.

Generally speaking, if we buy commercial insurance, we should first configure protection insurance for ourselves, such as the family economic pillar can consider these types of insurance first: critical illness insurance, million medical insurance, accident insurance, and term life insurance. Because these types of insurance are all protection insurance, the protection for accidents, diseases, and death risks is relatively sufficient.

2. Read the terms of the insurance clearly.

When we apply for insurance, we must read all the contents of the insurance clause clearly, including the content of the insurance, the exemption clause, the waiting period, the hesitation period, etc., which are closely related to our protection, so we must not be overlooked.

Taking the waiting period as an example, under normal circumstances, if an insured event occurs during the waiting period for registration, the insurance company will not be liable for the insurance, unless otherwise agreed.

Hope.