How should an individual buy insurance? How to buy insurance for individuals?

Whether it is individual or collective insurance, in fact, the points that need to be paid attention to are similar, in addition to social security, if conditions permit, some commercial insurance can be configured. Many friends feel that they have already bought social security, and then buy commercial insurance, isn't it redundant? In response to this problem, the dad has specialized:

The real relationship between social security and commercial insurance is like this!

From the perspective of demand, the risks that need to be avoided are disease risk, death risk, accident risk, etc.

From the perspective of purchasing power, it is generally appropriate to pay 10%-20% of income. Why do you say that, you can read this:

With an annual family income of 100,000 yuan, it is not wrong to choose insurance in this way!

Middle-aged families have entered the mature stage, and there are more funds that can be allocated, so it is necessary to consider comprehensive protection such as health and pension as a whole, and the proportion of premium expenses in income can be appropriately increased.

When buying insurance products, the age is generally calculated according to the birthday, if you plan to buy the insurance, try to buy it before the next birthday, because the older you are, the higher the premium.

Shopping for things requires shopping around, and the same goes for insurance.

Protection is the essential feature of insurance, generally speaking, the higher the sum insured, the more expensive the insurance premium, and the more related services of the insurance product, the more expensive the insurance premium.

When comparing insurance products, it is recommended to first consider whether the insurance liability coverage meets your own protection needs, whether the relevant services are needed, and the preference for the company's brand, etc., and then consider the amount of premium expenditure, and make a purchase decision on the basis of comprehensive evaluation.

There are many types of insurance products, and the focus of the comparison of different types of insurance is also different, so you can consider consulting relevant professionals (such as daddy insurance) to learn insurance skills.

Before signing the insurance contract document, it is necessary to ensure that you know all the contents of the insurance contract document and fully and accurately understand the relevant rights, obligations and risks. Insurance terms are generally a lot of written text, if you don't know how to read it, you can read this article:4 tricks to quickly understand the insurance contract!

Reading skills that can be learned in 3 minutes

Pay attention to the above points, in fact, buying insurance is not that complicated.

The reason why everyone feels that the insurance is deep and it is difficult to buy the right insurance is just because of the asymmetry of information in the industry before, it is difficult for everyone to really see what insurance products can protect. Hope!

Complex terms and numerous types of insurance are dizzy, and if you want to buy insurance but you don't know where to start, it is even more confusing for insurance novices. Here is a list of insurance purchase plans, you can take a look at them first:How do I buy insurance?

Everyone should have their own plan

1. Social security. Before configuring commercial insurance, I recommend configuring social security, which is the basic guarantee given by the state to everyone.

2. Commercial insurance.

1.Critical illness insurance.

This is a pay-type insurance, and the expenses such as claims can be freely disposed of, not only do you not have to worry about hundreds of thousands of ** expenses, but also the follow-up recuperation expenses and the loss of income caused by the delay in work due to serious illness can also be made up. There are many critical illness insurances on the market, it is recommended to compare and analyze the options, I have compiled a comparison table of critical illness insurance, you can take a look:A comparison table of 136 popular critical illness insurances in China

2.Life.

For the pillar of the family economy, burdened with a bunch of pressures such as raising a baby, pension, housing loan, car loan, etc., if you die suddenly, it is difficult for the family economy to rely on one person or directly end up. Having a life insurance policy can also leave a sum of money for the family, and it will not put the family in financial crisis.

3.Medical insurance.

Medical insurance is a supplement to medical insurance, medical insurance can reimburse expensive out-of-pocket items, such as millions of medical insurance can have millions of insurance dollars a year, as well as value-added services such as hospitalization advance payment, proton and heavy ion, which are very cost-effective. Here is a list of the top 10 million medical insurance, if you don't have a clue, you can refer to it:The top 10 million medical insurance rankings are newly released!

4.Accident insurance.

People can never guarantee the probability of accidents, falls, burns, and even car accidents and fires are not uncommon. If you spend tens to hundreds of yuan a year to buy accident insurance, you can get a high amount of insurance, and you don't have to spend so much when you encounter an accident.

Therefore, I recommend that individuals buy insurance to complete it:Social Security + Critical Illness Insurance + Life Insurance + Medical Insurance + Accident Insurance, so that the protection is more sufficient, and then the family and yourself are more at ease. If you want to buy financial insurance such as annuity insurance, it is recommended to consider it after completing the protection insurance, after all, passing on the risk is our biggest need to buy insurance.

To get the right insurance, you can follow these steps:

The first step is to look at the demand.

The main purpose of buying insurance is to transfer risk.

Calm down and think about where you are and see what risks you want to transfer through insurance.

The second step is to look at the budget.

Once you've identified your needs, measure how much you're willing or able to spend on them.

If you are not sure of the exact amount, the insurance industry has a classic Double Ten principle, which is to buy about 10% of the annual family income as the standard, and buy about 10 times the annual family income.

The third step is to look at the product.

After the first two steps are completed, it is time for the real practical stage - choosing an insurance product.

When choosing insurance products, with "priority protection and prudent financial management" as the core, we will first allocate protection products, mainly including medical insurance, critical illness insurance, accident insurance, and life insurance; On this basis, we will consider wealth management insurance.

For details, please refer to: "The correct posture for insurance, teach you how to apply for insurance in a few minutes!" 》

Depending on your age, the type of insurance you need to purchase varies. The types of insurance that individuals generally need to complete when buying insurance are critical illness insurance, medical insurance, accident insurance and term life insurance.

For those who don't know much about the above types of insurance, you can take a look at this popular science article first:What is the difference between critical illness insurance, medical insurance, accident insurance, and life insurance? Will there be a conflict when making a claim?

However, not all age groups need these four types of insurance.

First of all, critical illness insurance, medical insurance and accident insurance are the types of insurance that are needed regardless of age, after all, everyone has disease risks and accident risks. Then let's talk about children, children do not have to bear the financial responsibility of the family, and they do not need to buy term life insurance.

Because the role of term life insurance is mainly to transfer the family economic risk caused by the fall of the family economic pillar, it is more suitable for the family economic pillar to buy.

In addition, the elderly who have no financial responsibilities for their families do not need to buy term life insurance.

If you also want to know more about term life insurance, you can tear it down to see this:What is Term Life Insurance? Who is it suitable for? Everything you want to know is here!

Finally, if you buy critical illness insurance after the age of 50, the premium may be inverted, so it is more suitable for the elderly to buy cancer insurance to protect themselves. Although cancer insurance only covers cancer, compared with critical illness insurance, the premium is cheaper, the underwriting is more relaxed, and the age range is more extensive, which is more suitable for the elderly.

That's all I have for this issue, I hope it helps! Hope!

Hello, if you want to buy insurance for individuals, you must first consider what kind of insurance you want to buy, whether it is commercial insurance or social insurance (commonly known as social insurance), and it is usually not cost-effective for individuals to buy social insurance, because they have to bear all the costs. If you work in a unit, it is more appropriate to pay by the unit. If you don't have a unit, you can consider the following methods and pay social security by yourself.

One is to pay social security as an employee under the name of the human resources company after being affiliated with a local human resources company.

The second option is to go to the local human resources management center to go through the flexible employment procedures first and then pay the social security premium.

Extended Information:1Individuals have never paid social security: individuals go to the local human resources management center to handle flexible employment personnel, fill in the recruitment of employee registration forms, labor contracts, employment rosters and other paper materials, fill in the human resources management center after review and registration and filing, according to these procedures for social security increases, individuals choose their own social security payment base to pay.

2.If the individual has paid social security before, the individual must first terminate the contract with the original unit, and then go to the human resources management center to go through the employment procedures and then pay the social security premium.

Friendly reminder: Flexible employees have a specific time to pay every year, generally one year's social security premiums, which can be paid on-site or through online channels, which is subject to the notice issued by various places.

I hope mine can help you.

1. Understand knowledge: If there is a need to buy insurance, users should first understand the basic knowledge of the industry;

2. Clear principle: There are many types of insurance products, and users should be clear that the fundamental role of insurance is protection;

3. Clarify the type: There are two types of insurance, social insurance and commercial insurance, social insurance is jointly borne by the company and the individual, and commercial insurance is a supplement in addition to social insurance.

Fill; 4. Combination of needs: After figuring out the types, you can choose specific insurance products according to your personal needs.

Extended information: 1. Precautions for individual insurance.

1. Before signing the contract, understand the content of the insurance type and the scope of protection, for example, it is necessary to figure out which diseases are covered by major medical insurance and which diseases need to be paid out of pocket;

2. Find out the payment method of the insurance and the conditions under which the insurance will take effect, and also know under what circumstances the insurance may become invalid; 3. When purchasing insurance, attention should be paid to avoiding the occurrence of following the trend, and the selection of insurance should be carefully considered in combination with reality;

4. After the insurance is successfully purchased, check the information and authenticity of the policy with the customer service staff of the insurance company.

2. Critical illness insurance requires the insured to have a critical illness as agreed in the contract before compensation can be paid. Although most critical illness insurance products also pay for death and total disability, the compensation expenses of critical illness insurance are mainly to help the insured not to reduce the quality of family life due to the loss of ** expenses and income after suffering from a critical illness, and can also quickly recover a healthy body due to the existence of ** expenses.

3. Accident insurance is the death and total disability of the insured due to an accident before the claim can be claimed. However, the compensation conditions of accident insurance are relatively strict and must be met"Accidental"Condition. When you buy accident insurance, you should pay attention to the liability exclusion in the insurance clause to avoid finding that you cannot make a claim when you make a claim.

However, accident insurance is more cost-effective and has relatively less cost, and it is also the preferred insurance product for many people.

4. Life insurance is the death and total disability of the insured due to any reason, and the claim can be obtained, whether it is accidental or non-accidental. For most people who buy life insurance, it can be used as a supplement to pension expenses, or it can be a directional fund inheritance. Life insurance is more of a necessary protection option for family breadwinners, even if they die unexpectedly, the parents, wives and children of the family can still ensure that the existing quality of life does not deteriorate.

Things to consider before buying.

If you want to buy the right insurance, you need to think about some questions before applying for insurance, so that you will not be blind

1.Age. Because age determines what kind of insurance you are suitable for, and it will also affect the premium, generally the older you are, the more expensive the premium will be.

2.Gender. Considering gender, mainly because women are different from men, there are some major diseases such as breast cancer, cervical cancer and other critical illnesses that are unique to women, so the protection required will also be correspondingly different.

3.Personal income. Income determines how much premium you can pay, and generally the cost of buying commercial insurance should not exceed 20% of your annual income.

4.Already there. Including the commercial insurance that the Social Security Council already has, it takes into account many aspects so that the protection can complement each other and avoid duplicate insurance.

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

Individual insurance can choose the right insurance product according to their own insurance needs and economic ability, and it is best to find an insurance professional to consult, match professional needs, and compare and analyze a variety of products of the same type.

In addition, individuals generally consider accident insurance first, then medical reimbursement insurance, term life insurance, then critical illness insurance, and finally pension insurance, education funds and other investment and financial insurance.

There are many ways to buy personal insurance, such as insurance companies, insurance company official websites, insurance salesmen, third-party insurance platforms, etc., and policyholders can choose by themselves.

How to buy insurance for individuals can be considered from three aspects.

1. Consider the premium budget, and clarify how much budget you can take out to buy insurance, so as to determine what type of insurance you can buy. Depending on the budget, the insurance you choose is different.

2. From the perspective of economic conditions, the overall economic situation of the family is very important. Under normal circumstances, the higher the household debt, the higher the amount of coverage for the breadwinner.

3. From the perspective of physical condition, under normal circumstances, the better the insurance, the stricter the health notice, and the higher the threshold. If you are not clear about your physical condition, it is difficult to choose the products you can buy, such as the risk of being rejected due to your physical condition not meeting the conditions for claims.

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