Do you know whether you want to buy commercial insurance or not?

My advice is to buy it. For example, if you suffer from a serious illness, the cost needs hundreds of thousands or even hundreds of thousands, for an ordinary family, suddenly taking out so much money will have a certain impact on the quality of life. For example, if one of the spouses dies and loses more than half of their income, it will also have a great impact on the life of a family that is in debt and needs to raise children to support the elderly.

And the configuration of insurance, can reduce our financial losses. So what kind of business insurance should you buy? Different age groups have different needs, you can see this article for details: How to buy insurance for different age groups? Everyone should have their own plan.

Ordinary people allocate insurance, and priority is given to critical illness insurance. Critical illness insurance protects critical illness, when you are diagnosed with a critical illness stipulated in the contract, you can apply for an insurance payment from the insurance company, which you can use to make up for the previous economic loss, or as a follow-up ** expense, you can use the money freely, and you can also avoid affecting the quality of life. Therefore, if you have not configured critical illness insurance, you can take a look at this article if you need it:

Top 10 Popular Critical Illness Insurance Points Worth Buying!

In addition to this, medical insurance, accident insurance, and life insurance can also be configured according to needs. Especially for people who have already started a family, the children and the elderly in the family are dependent on your income to live, at this time, if one of the parties dies due to illness or accident, the burden of the remaining one person is very large, if you configure life insurance, you can get an insurance payment after the death of the insured, which can reduce some burden for the family. So if you want to configure life insurance, you can take a look at this article:

Top 10 Life Insurance Worth Buying!

Arnold answers: Hello!

Should I buy commercial insurance? Insurance experts suggest that it is still very necessary to buy commercial insurance, take accident insurance and critical illness insurance as an example, when you have an accident and cause disability, is it necessary to pay a large amount of money, and can your family afford this cost? If it leads directly to death, who will take care of your family?

But if you have an accident insurance, it can give you a high amount of compensation and help you solve the problems you are facing. When you have a critical illness, the cost must be overwhelming, but if you have a critical illness insurance, a high insurance premium should be able to reduce your financial burden and allow you to have money for treatment. Therefore, commercial insurance is worth buying.

We need to buy commercial insurance to protect ourselves.

As we all know, the cost of critical illness is very high, generally more than 100,000 yuan, and for an ordinary working family, it is difficult to come up with more than 100,000 yuan for a while.

However, if you purchase critical illness insurance, once you are diagnosed and meet the conditions for claims, you can get a certain amount of sum insured, and then go for it as soon as possible**.

Senior sister told everyone that commercial insurance is very necessary to buy!

The senior sister found that some friends believe that in the case of social security and medical insurance, there is no need to buy commercial insurance. This is, in fact, a misconception.

You must know that the protection of medical insurance and social security is far from enough, and we also need to configure commercial insurance for supplementary protection.

If you have social security, you don't need to buy commercial insurance? What is the difference between social security and commercial insurance?

There are many types of commercial insurance, among which protection insurance such as critical illness insurance and accident insurance is very necessary.

Take critical illness credit insurance as an example. The purpose of critical illness insurance is to transfer the financial risk of the insured person due to the related illness.

I'm sure you've heard of some cases of poverty due to illness, and that's where critical illness insurance comes in.

Critical illness insurance is pre-configured, and if the insured unfortunately suffers from related diseases, the insurance company will pay the corresponding insurance benefits according to the agreement if the conditions are met. Insurance benefits can help the insured person and their family relieve the financial stress caused by illness.

It can be seen that critical illness insurance can often play an important role in special times. This also reflects that protection insurance such as critical illness insurance is indeed very necessary!

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

How to buy insurance for different age groups? Everyone should have their own plan. Hope.

Is it necessary to buy commercial insurance? It is necessary! But isn't it necessary to buy all insurance? 90% of the insurance may not need to buy, the insurance that is really necessary to buy is the four types of insurance mentioned today, they are the insurance that can save lives!

The first is: million medical insurance, the annual premium is about 300 yuan, but the insured amount can reach 3 million. Serious illness and hospitalization can be reimbursed.

If you have social security, you can be 100% reimbursed, which is equivalent to not spending your own money on medical treatment. Therefore, we recommend that anyone who meets the insurance requirements buy one.

The second is critical illness insurance, after buying critical illness insurance, as long as you meet the claim conditions, the insurance company will give you a large sum of money at one time, you can spend this money as you want, and the premium is several thousand yuan a year, you can protect you until you are old.

The third type is accident insurance. Whether it is accidental medical treatment, accidental hospitalization or accidental disability, it can be compensated. The premium is very low, with an insured amount of 500,000 yuan, only more than 100 a year.

In addition, if you are the breadwinner of the family or have a mortgage, car loan, etc.

It is recommended that you buy another term life insurance, after having this term life insurance, in case of unfortunate death, the insurance company will also lose a sum of money. The family's life can still be guaranteed, and this premium is not expensive, and the insurance amount of 500,000 yuan is insured until the age of 70, which is about 1,000 yuan a year.

If you don't want to step on the pit, you can click below to measure how much it costs to see a doctor, get a risk protection plan, and help you better fight health risks.

Test your anti-risk index, experts will interpret it for you for free!

Of course, commercial insurance needs to be bought, because insurance can bear a large part of the risk situation for our lives, and it must be insured in combination with our own situation, and cannot be insured at will.

Commercial insurance is not compulsory by the state, so we must keep our eyes open when choosing to avoid falling into pits. Dad's pit avoidance strategy can help everyone "Is it necessary to buy commercial insurance?" You must know about these pits! 》

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.

Commercial car insurance can be purchased without and is not mandatory. Compulsory traffic insurance is mandatory to purchase. Commercial insurance includes:

Vehicle Damage Insurance, Third Party Liability Insurance, Theft Insurance, Vehicle Personnel Liability Insurance, Body Scratch Loss Insurance, Glass Breakage Insurance, Spontaneous Combustion Loss Insurance, Wading Insurance (Engine Loss Insurance), Designated Special Repair Insurance.

Five social insurance and one housing fund refers to the social co-ordination of endowment insurance, medical insurance, unemployment insurance, work-related injury insurance, maternity insurance and housing provident fund, of which the insurance part is only the basic security, if the economic conditions permit, it is completely necessary to supplement and enhance with commercial insurance.

Taking into account factors such as protection needs and economic income, the priority of individuals to purchase commercial insurance should be: accident insurance, term life insurance and whole life insurance, medical allowance insurance, critical illness insurance, various other protection insurance, and investment insurance.

As for the product you mentioned, I personally believe that it should not be considered as the first choice when the basic protection is not sufficient, so the key is to see whether you already have sufficient accident medical and other protection.

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.

It should be watched, but many people have seen it, but they can't understand it, and few people don't watch it.

If you want to know more simple and practical information, you can look at the insurance liability, insurance coverage, exemption clauses, claim coverage, whether it is convenient to receive funds, and whether the rate of return is clear? The points I mentioned are basically in the contract, but most of my friends will not understand them. If you don't understand it, the contract is just an outline, and when you calculate it carefully, except for the person who has handled the corresponding claim and the actuary, you can't explain it.

Buying an insurance policy is a matter of preparation.

1. If it is useless to look at the contract, combined with the claim cases in recent years, what kind of claim will not be claimed, what kind of situation will claim part of the claim, and how long will the claim money arrive? Note that it is to look at the claims cases in recent years, including the ranking of claims cases in a certain year, and it should include the claim part, and the situation of not making a claim. The former is bright on the surface, and the latter is practical in life.

Take the 99 Hongfu of Chinese's life as an example, how good it is to buy in nine years, but now that the renminbi is depreciating, the more you buy, the more you lose, and this is only 20 years of life, and the truth is revealed. Of course, there are also some good types of insurance, such as children's life. , the rate of return was good, but it was quickly stopped.

Don't worry, insurance companies won't lose money. It's really a game and a dream, and who knows how many flowers fall in the dream?

2. If you have the habit of smoking and drinking, you can't buy insurance. Can you buy insurance if you are too thin or fat? Is the insurance agent signature valid? Is it okay to buy insurance in a different place? Is it possible to buy insurance in Hong Kong, Taiwan or abroad?

3. As a financial product, how to rationally allocate insurance, and what is the priority of family or personal purchase? How much is the right amount to buy? How to buy newborns, how to buy students at all stages? What should be supplemented by commercial insurance for enterprises with different risk factors?

4. How to buy insurance. For example, AWell-known insurance companies (such as Pacific Bar, they will only recommend Pacific insurance) BProfessional insurance ** company (familiar with the types of insurance of multiple insurance companies) cBanks (such as ICBC, but the types of insurance are not comprehensive).

5. Social security is the foundation, and commercial insurance is a supplement, depending on the situation. How important is social security? People who are often sick know that retirees definitely have a say.

Recently, the news network reported that a small group was sentenced to 6 years in prison for defrauding about 440,000 yuan in medical insurance for two years. This case illustrates the negative side of the social insurance reimbursement ratio of medical insurance is very large. Commercial insurance has also been constantly adjusted in recent years, and the products of some insurance companies have been comparable to medical insurance.

Buying insurance is not as good as buying clothes, if you don't trust the insurance officer. You need to take the time to do your own research, so be careful.