Why do many Chinese hate insurance, and even talk about risk ?

The main reason is that at the beginning, there were many unprofessional insurance companies that came out to "swindle".As a result, many people are deceived because of this, not only do they not enjoy the benefits of insurance, but they have made the reputation of insurance stink.

At the beginning, insurance did not have a very complete and strict system in China, which led to many insurance companies becoming ** companies, and they took the money from customers and fled. In such an incorrect atmosphere, insurance is gradually linked to **, pyramid schemes, and so on. And people are social animals, after hearing these bad words,Most people have a bad first impression of insurance, and even begin to subconsciously resist insurance.

In addition, people in China have always been more conservative about money, and the older generation not only does not have the concept of spending in advance, but also does not even like financial management, and thinks that it is best to put it around them. Therefore, it is more difficult for people with such concepts to buy insurance, because most of the time you can't feel the value of insurance, let them spend a lot of money to buy something they can't feel, they feel that this is a fraud behavior, it is better to keep it around.

In fact, part of the reason is that most people do not have a strong concept of insurance. In fact, the popularization of insurance in China is not enough, and everyone always has doubts about the unknown field, especially when the country does not affirm it. At this time, everyone can only listen to others say that it is good or bad, but they do not have a clear judgment.

But in fact, several relatively large insurance companies in China are still very reliable, especially in the case of such expensive medical expenses, it is necessary to buy an insurance to keep around.

So in general,Or is it because the insurance gives a bad impression at the beginning and there are too many people who have been cheated, so most people hold the old concept and start to oppose it into their lives.

Why do so many people hate insurance and even talk about it?

China's insurance industry started relatively late, the early stage of development was not standardized, and there was excessive publicity, resulting in people not trusting insurance very much, and now insurance practitioners are more crazy in order to conduct business, often affecting the lives of others, so now many people hear the word insurance "talk about risk and change color".

I think it's because in the past, there were too many people's insurance in China, and many people suffered from it, and they couldn't be reimbursed normally when they bought insurance, and there were many kinds of problems, because of these disappointing reasons, people are now disappointed and afraid of insurance.

Because in the hearts of Chinese, insurance is deceiving, and the people who want to see insurance are also very disgusted.

Because there are some insurance sellers who are really annoying, because they will pestering you to know that you have bought insurance. So some people will hate these.

Because at the beginning of the insurance industry, many business people used insurance to deceive many people who bought insurance, which led to many people's resistance to insurance.

In response to this problem, my personal opinion is that in today's society, the insurance salesman can be said to be strange in order to recommend various insurances for you, but after you buy it, when it comes to the real accident to use insurance, he will tell you that there are various restrictions that tell you that they are not covered by insurance, and refuse to compensate you.

Things are not welcoming, too many traps.

"Talking about dangerous discoloration" will be ruined on unqualified salesmen. In fact, insurance should calculate the most suitable insurance characteristics for the insured person according to the financial situation of each insured person. Normal insurance salesmen must also go through qualified training to take up their posts, and it is best to obtain the corresponding insurance planning certificate.

However, you can see that many insurance salesmen, after two or three days of training, only remember how to conduct sales and how to promote transactions, and do not remember other knowledge at all. Fortunately, many insurance companies still pay basic salaries to salesmen and pay insurance.

In 2004, when I was looking for a job in college, I was deceived by an insurance company into going to the bank to do insurance sales. In fact, our country has just transitioned from subsistence and clothing, and the demand for affluent insurance will be higher and higher. The purpose of insurance is actually to ensure the stability of everyone's life, not to make a fortune.

But what is selling very hot now is financial insurance, annuity insurance, dividend insurance, universal insurance, investment-linked insurance and so on. Because, this batch of insurance has a high starting point, high transaction commission, and continuity. Users pay a premium of 10,000 yuan per year, and only 5,000 yuan may be deposited into the personal account in the first year, and the corresponding commission and account management fee can account for about half.

Although the commission will be reduced every year in the future, after 3 to 5 years there will be no commission, and then the insurance salesman will no longer do customer service work. After buying it, many people feel regretful and can only refund half of the money if they want to return it, so they are very annoyed. It strengthened his idea of surrendering the insurance.

And once it is returned, one passes ten, ten passes hundred. Everyone has a bad impression of insurance.

Why do so many people hate insurance and even talk about it?

Because insurance is only used in case of danger, people don't like it.

The main thing is that once a person surrenders the insurance, once he returns it, one passes ten, ten passes hundred. Everyone has a bad impression of insurance.

When the insurance salesman is selling, he says that he can be reimbursed for any illness. As a result, when the claim was actually settled, it was found that this could not be reported, that could not be reported, and there were various restrictions such as survival.

Most of them are because of the herd mentality, one person retreats, and everyone else retreats.

Because a lot of insurance is a very scam and it doesn't work.

The insurance is too tricky, the money is not paid less, and various reasons do not meet when the insurance is requested.

Insurance is a very mature financial service in foreign countries, but in addition to car insurance and property insurance in China, not many people are willing to buy life insurance.

The main thing is that there are people who don't understand the rules, and then they don't get some insurance. And then the crowd was hard to reconcile.

Because insurance means danger and bad luck.

There are many reasons for the lack of insurance awareness among Chinese:

1. Insurance is a financial industry that started late in China, and is speeding up the construction and improvement of China's insurance market system, and is establishing a Chinese insurance market system with a complete system, complete categories and sound laws and regulations;

2. In the past, some insurance salespeople had low quality, poor credit, and stubborn methods, which caused a rebellious psychology caused by a bad impression on the public.

3. The public hates the insurance industry's "easy to insure, difficult to settle claims", and some insurance companies take the measures of delaying when making claims, and do not pay if they can, resulting in the insured "hating and staying away" for insurance.

If every insurance practitioner can restrain themselves, sincerely serve customers, and work hard to change the status quo of China's insurance industry, then insurance can develop better and better, and the people's insurance awareness will be higher and higher, and more people will accept insurance.

Extended reading: [Insurance] How to buy, which one is better, teach you to avoid these insurance"pits"

Many Chinese people are disgusted with insurance and are reluctant to buy insurance, thinking that it is meaningless to spend money in vain, but when insurance really works, they feel that they might as well buy insurance at that time. If I had bought it at the time, I wouldn't have spent so much money now, and someone would have borne a large part of this cost for myself. <>

On the one hand, the impression of insurance is not so good among Chinese people, because when insurance was expanding its business in the early days, it gave people a feeling that door-to-door sales were very cheap. Then there are a lot of traps, that is, although I spent money to buy insurance, but you don't report this, that doesn't report, I don't know that you had so many situations when I bought it, if I knew at that time that you didn't reimburse this and that didn't reimburse, then I wouldn't buy your insurance, there were a lot of such situationsThen slowly, the Chinese people's impression of insurance is not good, and they feel that this thing is unreliable.

On the other hand, insurance is always linked to accidents, for example, critical illness insurance is a critical illness that can be reimbursed. For example, accident insurance is what accident you have in your life and you are injured and hospitalized, and then you will be reimbursed for these insurances are not good protection, we hope that the insurance will work, all our own vain, and we don't want the insurance to work, because the insurance works, it means that you have these strange diseases, your own body has been damaged,You also have to spend a lot of money yourself, although the insurance company will reimburse you, but after all, it will not reimburse all of them. <>

I think that insurance is a thing with both pros and cons, you don't believe in the kind of thing that you buy now, wait for 30 years, retire after 40 years, and give you a lot of pension. But like that kind of accident insurance, critical illness insurance is guaranteed for one year, and you spend dozens of dollars to one or two hundred dollarsIt can ensure that you will be effectively compensated in the next year if you have a similar situation, so it is still worth spending dozens of dollars and hundreds of dollars.

Because many insurance companies in China only let many people buy them, but the content of the claim is not very comprehensive, and the claim settlement speed is also very slow. There will also be various statements in the process of making a claim, which is why I am particularly disgusted with insurance.

The main reason is that people think that insurance does not play a big role in themselves, and they think that insurance is sometimes spent in vain, and they buy a lot of insurance, but they can't see the specific benefits.

Because some insurance salesmen have some exaggerated claims, people think they are deceiving people and don't believe them very much.

Because a lot of expenses will be deducted when you return the insurance halfway, many people are now disgusted with insurance.

Mainly because Chinese feel that the insurance industry is deceptive and do not want to believe it.

There are several reasons for this:

1. Regardless of the quality of the insurance salesman, the facts in the sales process are all about asking people to face "risk", and it is precisely this kind of "risk" that people are unwilling to face. Thus annoying the insurance and salespeople.

2. It is related to the sales method of the insurance salesman, the salesman's soft grinding and hard bubble takes up a lot of the time of the salesperson, and the salesperson is embarrassed to refuse directly, which leads to hating the insurance and salesperson.

3. In conflict with the concept of most Chinese people, they feel that they will not be in danger, and they are taboo that their own risk situation appears in their minds, and they feel that insurance is a kind of thing that brings negative implications.