What pitfalls must be avoided if you want to buy insurance?

If you want to buy insurance, you must avoid the pitfalls of "putting financial insurance first" and "buying it for children first and then adults".

The protection function of financial insurance is weak, and in the event of illness and accident, it is usually not compensable, and the policy may be surrendered at a loss.

It is the adults who bear the financial responsibility of the family and the obligation to pay insurance premiums, and only when the adults protect themselves can the protection of the children be sustainable.

Therefore, everyone should first protect the family's economic pillars, and then buy financial insurance if they have idle funds.

There is a kind of insurance that claims to lose money and return money if you have nothing to lose, which seems to be very good, but in fact, it is several times more expensive than other good products, and it is not cost-effective at all. This kind of insurance is the return-type critical illness insurance recommended by the most recommended by the insurance people, and you must not buy it.

Insurance is a type of insurance that takes a person's life and body as the subject matter of insurance. Generally speaking, life insurance is insurance that solves the economic problems caused by injury, old age, sickness, disability and death. Life insurance is divided into health insurance, accident insurance, and life insurance.

Why solve economic problems? Because insurance itself cannot prevent the occurrence of risks, its role is to solve or alleviate economic problems by paying insurance benefits when risks occur.

The senior sister summarized the common pitfalls in insurance: buy insurance to keep your eyes peeled, and don't fall into the trap of critical illness insurance

1.Life insurance

Life insurance for short, is a life insurance with the life insurance of the insured as the subject of insurance and the death of the insured as the condition of payment.

According to the payment conditions, it is divided into: life insurance, annuity insurance, and both-insurance.

For the economic pillar of ordinary families, it is recommended to configure a term life insurance, which can be guaranteed until retirement, which is enough to buy at the age of 30, and only needs a budget of about 1,000 yuan, and the leverage is very high.

2.Health insurance

It refers to the insurance that pays insurance benefits for losses caused by health, and there are the following categories: medical insurance, critical illness insurance, nursing care insurance, and disability insurance.

Medical Insurance:Medical insurance is a reimbursement type, is a supplement to social security, social security as a national welfare can only provide basic protection, in the event of a major illness, it is not enough to have social security, because social security has a limit on the upper limit of compensation and the proportion of compensation, and the burden of self-payment is also quite heavy; At the same time, social security also has restrictions on medical tools and types of drugs, and many special drugs and imported drugs are no longer covered by social security reimbursement. Therefore, a medical insurance is needed, and a few hundred yuan is allocated to leverage millions of insurance amounts.

Critical Illness Insurance:As long as you suffer from the illness agreed in the contract and meet the conditions for compensation, the insurance company will pay the sum insured directly. For example, if you buy 500,000 yuan of critical illness insurance and unfortunately suffer from cancer, then the insurance company will pay 500,000 yuan directly.

This kind of compensation has nothing to do with whether the insured is ** and how much ** costs, the reason is very simple, the original purpose of the design of critical illness insurance is to solve the long-term ** expenses and income loss of seriously ill patients after discharge, so that patients can see a doctor with peace of mind during the period of serious illness and bed rest, without worrying about life.

3.Accident insurance

The full name is accident insurance, which bears 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.

Sudden death is not an accidental injury, because sudden death is caused by one's own disease, so the accident insurance does not pay (some comprehensive accident insurance now adds sudden death coverage, which is added as an additional liability). ）

Buying insurance can provide us with better protection and make the family more stable, and it is still necessary to buy insurance. So, what are the pitfalls of insurance? Look at the article Daddy, you will know. "Debunking the Six Pitfalls of Insurance Sales! Teach you how to configure insurance correctly

What are the "pitfalls" to avoid when buying insurance?

There are no pitfalls in the insurance itself! The pit is dug by an unreliable salesman for customers! To buy insurance, you must find a reliable salesman, and every word the salesman says must have a basis, and it comes from the insurance contract. Such a salesman is reliable.

You're asking about what kind of insurance, life insurance or property insurance.

Many people say: insurance products look beautiful, but in fact they are typical number one pit, in fact, it is not unreasonable.

Buying insurance is to prevent risks and is the basic guarantee.

Participating insurance, investment-linked insurance, universal insurance and other such products are actually a kind of financial products, this kind of financial insurance is risky, and you should not start easily when you are not ready to take risks.

Moreover, this kind of wealth management products are advertised as "guaranteed principal and interest" on the surface, but in fact, the flexibility is very poor, and it is basically impossible to withdraw money when needed, and the rate of return is far inferior to currencies such as Yue Bao**, so we must make a decision before investing in insurance and financial management.

It is better to buy a stable financial management to peace of mind, such as the unbounded wealth controlled by state-owned financial institutions, the project is stable, and the fixed income of 10% can truly make the wealth increase steadily.

If you have seen too many claims disputes, you must avoid blind trust and do not pay for the relationship. Find out the main protection responsibilities of insurance, and the content of the insurance is suitable for the reconfiguration of the first to bear, and remember to buy blindly. If you really don't understand the terms of the insurance, you can look at the product reviews on the Internet.

Common ordinary consumers are very easy to step on the pit, and there are 4 very important policy clauses, see if you have been recruited?

1. It is related to the amount of compensation insured.

As we all know, critical illness insurance covers critical illnesses, including mild, moderate and critical illnesses, and these three are generally claimed separately.

Taking a critical illness insurance with an insured amount of 500,000 yuan as an example, if you get a mild illness first, the insurance company will pay 150,000 yuan according to the minor illness; If you unfortunately suffer from a critical illness again, you will pay another 500,000 yuan according to the critical illness.

However, some products make classified claims for mild, moderate and critical illnesses, and the three share the sum insured. If you have a mild illness, the insurance company will pay for the same type of critical illness after the insurance company pays out, and the amount of the benefit will be reduced.

For example, if Xiao Zhang buys a critical illness insurance with an insurance amount of 500,000 yuan, and in the future suffers from carcinoma in situ, the insurance company will pay 150,000 yuan, and then unfortunately he suffers from lung cancer, so he can only pay another 350,000 yuan.

Therefore, everyone should try not to buy such products that share the sum insured.

2. It is related to the type of disease to be paid.

Some insurance products add a lot of unnecessary diseases to the terms of the insurance products, and attract consumers with the gimmick of covering many diseases and comprehensive protection, and then increase the premium.

In fact, all critical illness insurance is the same, and the China Banking and Insurance Regulatory Commission has given a unified definition of the 28 most common critical illnesses, and these 28 most common critical illnesses have actually accounted for 95% of all insurance claims.

3. Associated with the interval of cancer.

Cancer is the most common disease, so many people pay great attention to cancer protection when they buy critical illness insurance.

Considering the high incidence of cancer, the insurance company will set up a critical illness insurance product with multiple claims for cancer in product design. If the policyholder suffers from cancer in the future, the insurance company pays out the policyholder, and after the interval has passed, the policyholder suffers from cancer again, and the policyholder will pay again.

The rate of cancer** is very high, and the interval is not long, and some products are set on the interval, the interval of critical illness insurance is generally 3 years, and some products will be set to 5 years. Therefore, when applying for critical illness insurance, you should pay attention to choosing products with short intervals.

4. It is related to the requirements of secondary compensation for cancer.

Some products have extremely strict requirements for secondary claims for cancer, and some critical illness insurance does not cover all cases.

** or spread of the first diagnosed malignant tumor, and before the ** or spread, the first diagnosed malignant tumor has achieved complete clinical remission, if it continues to be **, the lesion does not disappear completely, even if the 3-year interval is met, the claim will be refused.

Therefore, when you apply for insurance, you must pay attention to the details of the terms! Avoid stepping on pits!

First of all, we must do a good job in the overall family premium budget, secondly, to determine who to buy insurance, the next is to choose insurance products, if you do not know enough about insurance, it is recommended to find a professional teacher for consultation, see the terms of the product, and figure out the protection responsibility and exemption clauses.

Myth 1: Income is limited, so it is not suitable for buying.

Some people have average family incomes and think that insurance is only for the wealthy. On the contrary, the wealthy do not need insurance that much because the medical expenses do not cause them a big burden.

The lower the family income, the lower the ability to resist risks, and a serious illness is enough to crush an ordinary family. In China, 40% of households are poor due to illness.

Myth 2: If you pay social security, you don't need commercial insurance.

Generally, minor illnesses and small pains have an effect, but if it is a major illness, many imported drugs are not covered by reimbursement, and the part that exceeds the upper limit needs to be paid out of pocket.

If you are sick and cannot continue to work to generate income, this part of the loss cannot be compensated by social security, and you can only rely on commercial insurance. Why? I recommend you to take a look at this: "With social security, do you still need to buy commercial insurance?" 》

When buying insurance, you must pay attention to the following points:

1.Health notices should be told truthfullyMany products require health notification, and the insured must truthfully inform the relevant situation, if concealed may lead to the rejection of the claim in the later stage.

2.Read the insurance wording carefullyInsurance claims are made in accordance with the contract, so reading the insurance contract can make the claim more smooth, especially the exemption clauses in the contract must be read carefully, and the fewer the exemption clauses, the more beneficial it is to the insured.

3.Identify the beneficiaryGenerally, the beneficiary of the insurance contract is statutory, and the beneficiary can be appointed in order to avoid the trouble of subsequent claims.

When buying insurance, you must not listen to the introduction of the salesman, and you must carefully check the insurance terms and conditions so that you will not be cheated.

Don't listen to the salesman's side of the story, understand your own needs. Some insurance salesmen, the insurance company will recommend you what product you produce, and it is possible to sell this product at this time, and the commission is the highest. and do not pay attention to the customer's own requirements.

For example, insurance is primarily a protection. In the study of insurance, there are several principles, to buy insurance is to buy adults first, and then children. (Adults are protected, adults are children's protection) and some salesmen, seeing that the customer loves the child's heart, it is recommended to buy children's insurance first, but the adult does not have a little protection, once the adult is out of danger, the child can not afford to pay the premium, the child's insurance is only interrupted, and the front may be in vain.

2. Accident insurance and critical illness insurance first, and then buy financial insurance and pension insurance when conditions permit. Accidents and illnesses are man-made and uncontrollable, and accident insurance and illness insurance have low premiums and high protection.

If someone has an accident and health insurance at all, only financial insurance, then once there is an accident and illness, thinking that they have bought insurance before, and only bought financial insurance, this financial insurance is not to cover accidents and diseases, not only is there no compensation, but the unpaid financial insurance may also have no money to pay the future premium due to the accident. Then this is another loss. Therefore, if you buy insurance according to your actual situation, you will definitely not be cheated.

What you must read before buying insurance!