Why do we need to buy business insurance?

When we buy commercial insurance, we are actually preparing for a rainy day and saving ** money in advance for possible diseases or accidents in the future.

After all, in our life, we may encounter a variety of risks, the significance of buying commercial insurance is that when we have illness, accident or death, we can get a compensation for the transfer of the family's economic losses, so that the normal life of the family is not affected. If you want to know more about the benefits of insurance, you can check out this article: What are the benefits of buying insurance?

A lot of people think too much.

And commercial insurance is very important for us, for example, critical illness insurance can solve the economic losses of critical illness, lost work expenses, nutrition costs, etc., medical insurance can reimburse reasonable and necessary medical expenses for hospitalization, and accident insurance is to reimburse medical expenses caused by accidents, as well as to protect accidental death or disability. Life insurance usually covers death or total disability, and when the insured person has an insured event, the insurance benefits paid can alleviate the financial pressure of the family to a certain extent. So which insurance should we buy first?

Details can be stamped: There are so many types of insurance, which one should I buy first?

In addition, many people feel that after having social security, there is no need to buy commercial insurance, in fact, the reimbursement of social security is limited, in the face of serious illness, after social security reimbursement, there is still a large amount of expenses to pay, so after we buy social security, it is still necessary to buy commercial insurance. Regarding the detailed difference between social security and commercial insurance, interested friends can poke: With social security, you don't need to buy commercial insurance?

What is the difference between social security and commercial insurance?

There are many reasons why people refuse to buy commercial insurance: I don't have money right now; I don't have time, I'll talk about it another day; There is social security, and there is no need for commercial insurance; Not interested in insurance, not considering it for the time being; I'm going to talk to my family again.

In Xiaobao's view, these fancy reasons for refusing to buy commercial insurance are actually three words in their hearts: "not cost-effective" Neither can it bring huge benefits in the short term, but it can't be withdrawn from the insurance company when it is bought, and it has to be invested for a long time, and it is a loss!

But Po wants to tell you that such an idea is wrong!

Insurance preserves wealth.

Insurance is different from other financial and financial products, buying insurance is not to make money, but to protect!

No matter how rich you are, a critical illness is likely to take away all your savings; An accident is likely to leave you with nothing. It's hard to go from poor to rich, but going from rich to poor may be a moment!

And insurance is like the bottom of the safe, although your property is locked in the safe, although you do other investment projects are much more profitable than insurance, but your safe is bottomless, your money will never be safe, financial planning must have insurance. In the personal family financial pyramid, insurance protection belongs to the most basic level of the first level. Arrange basic protection first, then consider various investments, and don't replace insurance with investment.

Insurance makes life better.

Maybe you don't think insurance is useful now, but when you need it, you'll find it good!

<>Don't always say insurance is a lie! Can insurance deceive people for 300 years of history? The state also promulgated the [Insurance Law] to let it deceive?

Don't always feel like the insurance broker is making your money! This has nothing to do with having your own health protection!

Don't always be a banker! In addition to the principal and interest, the bank will not give protection (compensation) like insurance!

Don't always say that you don't need commercial insurance with social security! Social insurance is required, and commercial insurance must also be bought, because the two are not in conflict, and in the event of a major illness, commercial insurance has a much higher proportion than medical insurance.

Therefore, why do we have to use the painful reality to prove: the problem that can be solved with a few thousand yuan can be solved with hundreds of thousands!

Please don't run away from commercial insurance, you know that it is difficult to buy, and you can't think of it! No one gets poor because they buy insurance, but some people go bankrupt because they don't have insurance! Insurance can't change lives, but it can prevent them from being changed!

Finally, Xiaobao sincerely reminds everyone that for commercial insurance, don't be in a hurry to say no.

Because you refuse today, if there is an "accident" one day in the future, and you want to buy it, no one will pay attention!

Because young people have just come out of society, the economic foundation is relatively weak, and the ability to resist economic risks is still relatively weak, and the purchase of commercial insurance can avoid the existing economic risks, so for young people, it is still necessary to buy.

If you have medical insurance, why do you need to buy commercial insurance?

Xueba talks about insurance, focusing on insurance product evaluation! The limited-time perks are coming:A comparison table of 136 popular critical illness insurances in China, get it for free.

Do you need to buy insurance? Then the answer is yes, insurance should not only be bought, but also bought as soon as possible, for the following reasons:

1. The sooner you buy insurance, the cheaper it is;

2. The younger you are, the better your physical condition;

3. Prepare a risk reserve fund for yourself, and use the special fund to make yourself more at ease;

So what kind of insurance is suitable for young people to buy? The general configuration of these kinds is about the same:Critical illness insurance + medical insurance + accident insurance + term life insurance.

In the unfortunate event of a serious illness, it is equivalent to the "risk of the sky falling". Many serious illnesses are a protracted battle, and you also need to consider the later expenses and lost work due to illness. It has to be said that critical illness insurance must be configured.

People at this age not only need to prevent serious illnesses, but also need to prevent minor illnesses and disasters that can be seen everywhere in life. Buying a million-dollar medical insurance can leverage millions of dollars a year for only a few hundred yuan a year to solve the part that cannot be reimbursed by medical insurance.

At this age, you not only have to take care of the family, but also have a high car loan to repay, and after configuring health insurance, you also need a death benefit. In the event of unfortunate death, it will be a heavy blow to both parents and wife and children, and buying life insurance can continue your responsibilities and at least provide a guarantee for your family's life.

It is necessary to buy commercial insurance. Buying commercial insurance is a kind of commercial behavior, it should be purchased according to the needs of the individual and the individual's ability to pay financially, with a strong commercial color, it is a supplement to social insurance.

Because social security emphasizes social fairness (one for each insured person), its basic principles are: low level, wide coverage; Commercial insurance, on the other hand, emphasizes personal fairness (buying more and buying less according to individual needs), and its positioning should be: a supplement to social insurance.

Insurance is divided into: social insurance and commercial insurance. Social insurance is a statutory insurance, which is administered by the State by administrative means, and is compulsory for all working or self-employed adults.

Social insurance has a strong mandatory character. Commercial insurance: It is an insurance that integrates the strength of the society (insured persons) to provide economic security for a small number of insured persons when they encounter certain personal risks.

According to the function, it can be divided into four categories: life insurance, medical insurance, critical illness insurance and accident insurance

1. Life insurance: It solves the problem of death, whether it is death caused by illness or accident or suicide after two years of the policy, you can get the agreed amount insured. Life insurance is mainly for people with working income, and it solves the problem of the fall of the income pillar so as not to bring difficulties to the family's life.

2. Medical insurance: It solves the problem of reimbursement of hospitalization expenses caused by illness and accident. At present, most of the million-dollar medical insurance has hospitalization green channel service and hospitalization advance payment service.

It's really a lot better than before, at least you don't have to make up your own money first**, and then reimburse after you are discharged from the hospital.

3. Critical illness insurance: The solution is to have a sum of money to rest assured after a serious illness, and then to solve the problem of family living expenses. After a person is sick, he needs several years of recuperation, but the family's car loan and mortgage, raising children, and supporting the elderly still need to continue to spend.

This insurance is suitable for both adults and children.

3. Accident insurance: bear the insurance liability for death, disability, medical treatment and other insurance caused by accidental injury. Accidental injuries must meet the four major factors of external, sudden, unintentional and non-disease.

Commercial insurance is equivalent to a supplement to social security. 1. The social security is low, which can only meet the basic security needs, and it is necessary to purchase commercial insurance. 2. Critical illness insurance in commercial medical insurance can be paid if you meet the conditions for claims, which can make up for the dilemma of many families who have no money for treatment.

3. Commercial insurance can choose to purchase a higher sum insured.

If economic conditions allow, it is necessary to configure commercial insurance. In fact, commercial insurance is a necessary supplement to social insurance, which can better protect life, such as covering medical expenses beyond the scope of social insurance and higher compensation amounts.

The following points should be paid attention to when applying for commercial insurance:

1. The purchase should be carried out in the following order: first, accident insurance (life insurance plus accidental medical hospitalization, etc.); The second is health insurance (mainly critical illness and additional medical insurance, term life insurance) and pension insurance (dividends, annuities, investment-linked insurance, etc.).

2. Many consumers often buy insurance for their children first, and professionals suggest that those with higher family income should be given priority to buy (he is the breadwinner of the whole family); Secondly, there are relatively many diseases among women, so you can consider buying such "beautiful life" products; Finally consider the child.

It is generally recommended that the insurance amount for those under the age of 18 should not exceed 100,000 yuan, 200,000 yuan for those aged 20, and the insurance amount will increase by 100,000 yuan for each additional 10 years in the future, reaching 500,000 yuan for 50 years old. If you find the premium expensive, you can add a relatively cheap term life insurance product to your purchase.

4. The payment method is determined according to various factors such as the consumer's family economic situation and cash flow, assets and capital operation, and it is not that the longer the payment period, the more cost-effective. If there is a high sum insured, it is necessary to obtain the insurance company's life insurance underwriting and reinsurance company's reinsurance approval, and pass the medical examination before applying.

With a green pass card, you are not afraid of serious illness. Spikes. In the past, 50,000 yuan was required to get a green card. Now you can get a green card with only 5,000 products.

Three specializations, two diagnoses plus one supplement, one card and three links are upgraded.

1。Specialist outpatient ......Specialists are acquaintances.

2。Specialist ward ......The client is admitted to a specialist room.

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6。Specialist follow-up.

7。Transportation and accommodation subsidies ......Reimburse the cost of transportation and accommodation for the client's medical treatment.

Comprehensive coverage of 42 major diseases and 10 minor diseases.

542 partner hospitals. Covering authoritative hospitals across the country.

A number of associate professors and physicians, 5,000 top experts have signed contracts, covering 92 top medical experts in the country.

For most people, it is still necessary to supplement their protection by purchasing commercial insurance. Social security coverage is wide, but the shortcomings of insufficient coverage are also obvious. Commercial insurance is very flexible, not only can reimburse items that cannot be reimbursed by social security, but also solve the problem of loss of income, and the most important thing is that it can be purchased according to your own needs.

Insurance is like this, if nothing happens, you always think that you don't need it, and if you don't have it when you have an accident, you will regret that your intestines are blue, it is recommended to buy it, and you should buy it with peace of mind. Critical illness insurance to buy from various life insurance companies, expensive and cheap, depending on your economic strength, choose one that you can accept, it is recommended to go directly to the insurance company's business hall for consultation.

Hello, commercial insurance is a supplement to social insurance, social security is like the rice we usually eat, and commercial insurance is like meat and vegetables, which is good to eat. You are young now, it is just right to buy critical illness insurance, and the premium is not high, you can contact me for details.

Of course, you want to buy commercial insurance, social security is guaranteed but not included, the national social security gap is so big, I don't know how to get it in the future, commercial insurance is a supplement to social security, I am Xinhua, Xinhua's Fuxing increase is very suitable for you.

Commercial insurance is a supplement to social security, mainly used to supplement critical illness insurance, social security is like our underwear, commercial insurance is our coat, do you say she is important?

Hello! Social insurance mainly solves the problem of reimbursement for minor illnesses and cannot be reimbursed in advance, while commercial insurance mainly solves the problem of major illnesses and can be paid in advance.

Critical illness is needed by everyone, and it is an indispensable policy in life.

Hello, commercial insurance is a supplement to social security. If you want to buy critical illness insurance, you can do it with Pacific Insurance Company's Jinyou Life + Love Worry-free. Like your 28-year-old woman, Jin You Life pays for 20 years, and the 100,000 insurance amount is paid 3,740 yuan per year

If the guarantee reaches 80, the payment will be paid for 20 years, and the guarantee of 100,000 yuan will be paid 1,114 yuan per year.

Jinyou Life has the functions of protecting sickness, life, old age, increase and immunity.

Love worry-free is with the function of protecting cancer, repaying the principal, aggravating the symptoms, and exempting and eliminating physical examination.

If you don't understand anything, you can contact me.