What is the best to buy consumer insurance, and is it better to buy insurance protection or consumpt

Consumer-based insurance means that if the insured has an insured accident agreed in the contract within the agreed time, the insurance company will compensate or pay the insured according to the originally agreed insurance amount; However, if the insured event does not occur within the agreed time of the contract, the insurance company will not refund the insurance premium. I don't know what kind of consumer insurance to buy, good friends may not know enough about insurance knowledge, more insurance knowledge has been sorted out in this article, if you want to know about it, you can take a look:

Ultra-complete! Everything you need to know about insurance is here.

Consumer-based insurance mainly includes consumer-based accidental injury medical insurance, consumer-based critical illness insurance, consumer-based term life insurance, and consumer-based hospitalization expense reimbursement allowance insurance. It is important to note that consumption-based hospitalization expense reimbursement subsidy insurance generally does not guarantee renewal, or only promises to guarantee renewal for a limited period of time. Friends can choose to configure consumption-based critical illness insurance according to their own situation, after all, critical illness insurance is the type of insurance that we will give priority to in the allocation of insurance.

In addition, buying long-term consumption-based critical illness insurance is definitely more stable than buying one-year consumption-based critical illness insurance. Moreover, the premium of consumer-based critical illness insurance is low, so ordinary working families can also spend and get a protection. Space is limited, and those who want more consumer-based critical illness insurance can click the link below to view:

Why choose consumer-based critical illness insurance? If you don't go out of business, the premium will not be paid in vain!

In fact, in addition to consumer insurance, there are also savings insurance and return insurance. Taking critical illness insurance as an example, consumer-based critical illness insurance includes term critical illness insurance and critical illness insurance that covers life without death. Savings critical illness insurance covers both life and death, and returnable critical illness insurance covers illness and death and returns the survival benefit.

What is the difference between consumption, savings, and return insurance? Which is the best deal?

At present, there are many types of consumer insurance on the market, and if you want to say which one is the best, the senior sister believes that the product that can cover your own protection needs is the best, and you can choose the right critical illness insurance, accident insurance, medical insurance or life insurance products according to your own needs.

If you have a small partner who is not very clear about the difference between these types of insurance, you may wish to take a look at this article: What is the difference between critical illness insurance, medical insurance, accident insurance, and life insurance? Will there be a conflict when making a claim?

It is better to buy insurance or buy protection, because protection insurance will focus more on protection, such as critical illness insurance.

Million medical insurance, accident insurance.

The four types of insurance and life insurance belong to protection insurance, and for people who have entered the workplace, these four types of insurance are very necessary to insure!

Consumer products are that if the insured is insured during the insurance period, the insurance company will pay according to the insurance contract, and if the insured does not have an insurance during the insurance period, the insurance company will not refund the premium.

Insurance] which is good, how to buy a good deal, hand in hand to teach you to avoid these pitfalls of insurance.

So below, the senior sister will tell you why you should give priority to buying protection insurance when buying insurance!

1.Critical illness insurance.

Whether it is for children or adults, disease is always an unavoidable topic, so when the disease comes, what we can do is to have enough funds to fight the disease!

First of all, critical illness insurance can help us solve the problem of "** expense + lost work expense."

and various loss of income".

Secondly, the sum insured of critical illness insurance.

It is best to include **expenses of 30w + 3-5 years of income, and the sum insured of critical illness insurance must cover at least 30w of ** expenses.

Top 10 Popular Critical Illness Insurance Points Worth Buying!

2.Million Medical Insurance.

The role of the Million Medical Insurance is to reimburse the medical expenses incurred by the insured person who is hospitalized due to illness during the insurance period, and the greater role of the Million Medical Insurance is to reimburse the medical insurance catalog.

In addition, there are many value-added services.

It is very practical (e.g. advance payment service, green channel.

etc.). 3.Accident insurance.

We can't know when an unexpected happens, but once an unexpected happens.

The blow to the family is huge, and an accident insurance can help us resist most of the financial impact caused by accidents, and help us maintain basic daily life to the greatest extent!

4.Life.

For those who have already entered the workplace, they may face the pressure of debts such as houses and cars in the future, as well as the pressure of elderly care and child rearing.

3 sets of plans, complete with the family's insurance.

First of all, it is recommended to give priority to buying protection insurance, such as critical illness insurance, million medical insurance, etc. Secondly, whether to buy consumer insurance products depends on everyone's protection needs and insurance budget; If you have an average insurance budget, then consumer insurance products are also a good choice.

Taking consumer-based critical illness insurance as an example, those who are interested in this kind of insurance can click on this article to take a look: Why should you choose consumer-based critical illness insurance for Chakai? If you don't go out of business, the premium will not be paid in vain!

Consumer insurance is a protection type. The protection insurance includes consumption.

Both medical insurance and accident insurance are consumer-based. One of the obvious characteristics of consumer-based insurance is that it has a protection period, not a lifetime guarantee.

If it is only a period of security needs, it is better for Zhaodoucha to choose the consumer-oriented one, which is cheaper. If you want to protect it for life for a long time, it is better to choose a protection-type terminal potato life insurance.

Corresponding to the consumption type, it can be called "savings type". Both have their own merits, no good or bad, it depends on whether it suits your needs.

First of all, the savings type is to pay money every year, and after 20 or 30 years, or until the age of 60, the annual contribution is fixed. To put it simply, the disadvantages of this type of insurance are: the sum insured is relatively small, and the premium is higher than that of the consumption type.

The advantage is that the annual payment is constant, not affected by inflation, the insurance company cannot adjust the premium at will, the protection cycle is long, generally for life, or designated to a certain age, take out the sum insured (if you take out the premium, it is not appropriate).

Consumption-oriented, the advantage is that the sum insured is high and the premium is small. The disadvantage is that it belongs to consumer insurance, and it is insured for one year if it is paid for one year, and there is no protection if it is not paid. When you are young, the premium is low, for example, the premium of 100,000 yuan at the age of 26 may be more than 300 yuan, but when you are 40 years old, the premium of 100,000 yuan may be more than 5,000 yuan.

So when you get older, this type of insurance is very expensive.

Now when you buy critical illness insurance, you generally have the function of two or three payments, and savings insurance generally has such a function, but the consumer-based insurance only has one chance to make a claim, and the insured will become a "global insurance refusal" after the first critical illness, so he will not have the protection of commercial insurance in the future. Especially for women, this is a big risk.

Consumer-based insurance can be used when you are young, when the economic conditions are not very good, and you have to pursue a large sum insured, but it is a stopgap measure. So it depends on what period you are in and how you think about it. But in any case, it's good to have insurance that works for you.

What is consumer insurance?

Consumer insurance generally refers to insurance without return liability, that is, insurance that loses money if something happens, and does not return money if there is nothing. Consumer insurance has its advantages and disadvantages, and whether to buy it depends on our needs. If you need protection, but your budget is limited, and you don't want to return the money when it expires, you can choose consumer insurance; If you want to have a savings nature, then consumption-based insurance is not suitable.

Consumer insurance and slippery code return insurance correspond, and the difference between the two of them is:

1.Return-type insurance provides a return liability, that is, it not only has a guarantee function, but also a savings function, if the insured does not have an insurance during the insurance period, he can get a return of an insurance money at the agreed time; If an insured accident occurs during the insurance period, the claim can be made in accordance with the insurance contract, and if there is no insurance during the insurance period, the insurance company will not return any expenses, that is, if there is something to lose money, nothing will be returned;

2.Return-based insurance generally includes critical illness insurance.

Financial insurance, pension insurance.

education insurance, etc., is generally a longer-term insurance; Consumer insurance generally includes accident insurance.

Consumer-based health insurance, term life insurance, etc., with relatively short term;

3.The premium of the return insurance is more expensive than the consumer insurance because the return plan has a refund of the premium. Consumer-based insurance, such as accident insurance, generally has a premium of several hundred yuan a year, which can cover hundreds of thousands of accident protection, and the leverage is relatively high.

Test your anti-risk index and interpret it for you for free!

Whether it is necessary to buy consumer insurance should be decided according to your own protection needs, premium budget and the protection performance of specific products. Our common consumer insurance is consumption-based critical illness insurance, which is term critical illness insurance or critical illness insurance that covers life without death cover. Compared with savings return critical illness insurance, the premium of consumption-based critical illness insurance will be cheaper, but the certainty of compensation is not as high as that of savings critical illness insurance, after all, savings critical illness insurance is a whole life critical illness insurance with death protection.

Therefore, if you are a friend with poor economic conditions and want to buy critical illness insurance, you can consider buying consumer-based critical illness insurance to make a transition, and then supplement savings critical illness insurance when the economy improves. However, the senior sister also does not recommend that you buy critical illness insurance for "cheap", because the most important thing for us to buy critical illness insurance is to see whether its protection is complete, whether the compensation is sufficient, and so on. Due to space limitations, friends can bookmark this critical illness insurance application guide first:

A good critical illness insurance policy looks like this! You've been lied to for so many years.

So is there any good consumer-based critical illness insurance on the market? The answer is yes. For example, Guolian Life's Darwin No. 7 (Guaranteed to the age of 70 without death benefit) critical illness insurance is very good.

This critical illness insurance meets the standard of high-quality critical illness insurance in terms of the compensation ratio of mild to moderate illness, which is 30% and 60% of the basic sum assured respectively, which can give the insured a solid protection. For more product details, you may wish to move to this link to view: Is Guolian Life Darwin No. 7 Critical Illness Insurance worth buying?

These are the must-see points before buying!

It can be considered from the demand for self-protection and economic conditions. Taking the common consumer-based critical illness insurance as an example, this type of insurance refers to the critical illness insurance that guarantees a term or a lifetime but does not have death protection.

Its premiums will be cheaper than savings critical illness insurance and return-based critical illness insurance, so if you pay attention to risk management and have relatively average economic conditions, you can consider buying consumer insurance.

There are two types of insurance on the market: one for consumption and one for return.

Today's problems are mainly consumer-oriented, and consumer-based insurance is nothing more than the following.

1. Consumer accident insurance.

Accident insurance is so implicated in the name is to protect against emergencies, not the ability of people can be transferred, as large as the traffic accidents that occur every day, as small as the cat scratches around you, dog bites are all accidents, this is a consumer-based insurance.

2. Consumer-based critical illness insurance.

Critical illness insurance is one of the most commonly heard of stroke sequelae, major heart organ transplantation, kidney failure, malignant tumor, acute myocardial infarction, benign brain tumor, and severe brain injury. It's basically consumable.

3. Consumer-based medical insurance.

The insurance that is based on the hospital invoice is medical insurance, and the premium is not refundable.

4. Consumption-based term life insurance.

Term life insurance is an insurance that stipulates the protection period, and the agreement with the insurance company when you sign the contract is written in the insurance contract and has legal effect. It is also consumer-oriented.

The advantages and disadvantages of consumer insurance are as follows:

1. Advantages: The premium is low, but the leverage ratio is large, and you can get high protection with less premium; The duration of the coverage is more flexible, you can choose 10 years, 20 years, or up to x years of coverage, etc.

2. Disadvantages: The guarantee period is short, and after the product expires, you must buy it again if you want to continue to get protection; The changes in insurance types and rates are relatively fast; If your health condition changes, you will not be able to buy it if you are not eligible for insurance.

Expansion cycle: 1. Consumer-based insurance is a kind of consumer-based insurance, that is, the customer (policyholder) signs a contract with the insurance company (insurer), and if the insured accident agreed in the contract occurs within the agreed time, the insurance company will compensate or pay according to the originally agreed amount; If the insured event does not occur within the agreed time, the insurance company will not refund the premium paid.

2. Consumer-based insurance includes the equalized rate (the premium for each period is equal to the amount of the premium during the payment period) and the natural rate (the premium is adjusted annually with the increase of age).

3. Its ** is generally not high, and the premiums of various products range from dozens of yuan to hundreds of yuan a year to deal with various sudden risks. Even if the financial income is temporarily interrupted during the payment process, this protection will still be effective during the period, and there is no need to worry about the pressure of renewal payment like savings insurance, and it will not affect their personal quality of life.

4. With sales channels.

With the expansion of electronic payment and the prevalence of electronic payment, customers can complete insurance through insurance marketers, insurance companies, insurance intermediaries, online direct sales, sales and other channels. Consumer insurance in the market often appears in the form of "simple insurance cards and electronic insurance policies".

5. Reimbursement of consumption-based hospitalization expenses Allowance insurance generally does not guarantee renewal, or only promises to guarantee renewal within a limited period. During the coverage period of the consumption-based hospitalization expense reimbursement subsidy insurance, if an insured accident occurs, whether the consumer-based insurance will continue to be in effect will be confirmed after re-underwriting by the insurance company.

6. For example, if the insurance has a clause of "guaranteed renewal within 5 years", the benefits will continue to be valid in the following year, and the second underwriting will be carried out by the insurance company after 5 years to confirm whether it continues to take effect.