How to buy commercial insurance? How to buy commercial insurance is the most practical

There are 4 principles that should be followed in the purchase of commercial insurance:

Principle 1: If you plan multiple policies, first of all, the protection of critical illness and death is the goal, then consider the preparation of education funds and pensions, and finally consider the choice of investment-based insurance.

Principle 2: Pension insurance should be planned as early as possible Until now, many people believe that insurance is purchased when needed. This concept is wrong, the sooner you buy the insurance for the elderly, the more cost-effective it is, and the higher the cost of buying insurance when you are older.

Principle 3: Purchase order first adults and then childrenWhen planning insurance, life insurance should consider the family pillar, and whoever is the family pillar should be protected first, so that if the economic pillar falls, other people's lives will not be affected. When buying insurance, adults should be used before children, that is, parents should buy insurance first and then consider buying insurance for their children.

Principle 4: The proportion of premiums is 10%-20% of the annual family income, and the proportion of funds for the purchase of insurance is generally about 10% of the annual family income for the purchase of insurance. However, this is not absolute, and the proportion can be appropriately increased for those with high incomes, and the proportion can be lowered for those with lower incomes.

When buying commercial insurance, you should pay attention to these aspects:

1. Distinguish the types of insurance and their differences, including accident insurance, health insurance, critical illness insurance, children's education insurance, etc.

2. Be clear about the order of buying insurance, for example, participating financial insurance must not be the first to buy, generally speaking, health insurance, accident insurance, etc. will be bought first.

3. Combine your actual economic situation to purchase appropriate insurance from a reliable insurance platform. If the insurance is not suitable, it is very sad to spend money and not be covered.

4. Clarify who the insurance beneficiary is, and if there are multiple insurance beneficiaries, be sure to clarify the share in advance.

Go to the insurance company and buy it, and you can buy it online now.

How to purchase commercial insurance: First of all, the three main insurances of commercial insurance must be purchased for car damage, three, and deductibles. Car damage insurance.

No matter what problems occur with your car, you can be reimbursed, but generally only when there is a large amount and a high maintenance amount will be reported, otherwise the premium for the next year will be **. Then there is the three-way risk.

Car damage insurance only takes care of your car, and the three insurance is to help you compensate for the losses of others; Even if you buy car damage and type 3 damage, the insurance company will not help you pay all the compensation, all insurance types have deductibles, if you buy without deductible, the rest of the insurance companies will also pay.

Extended information: compulsory traffic insurance is a type of insurance that is compulsory by law, and it is also a necessary guarantee for you and your car, which can greatly reduce your financial burden in the event of an accident, resolve disputes, and most importantly, if you do not insure, you will not be able to get a license, transfer ownership, annual inspection, once you are investigated and punished, you will also be detained the car, and you will be punished with double the premium! Of course, if you have a good driving record, you can enjoy a better premium.

Third Party Liability Insurance.

It refers to the economic responsibility that the insured or its permitted driver shall bear in accordance with the law if an accident occurs in the process of using the insured vehicle, resulting in direct damage to the person or property of a third party, and the insurance company is responsible for compensation.

Deductible not included.

After applying for deductible insurance, apply for vehicle damage insurance during the insurance period.

Third party liability insurance, vehicle personnel liability insurance.

Reasonable expenses can be 100% covered by the insurance company, which is a supplement to the above commercial insurance, aiming to reduce the risk to zero for car owners.

In September 2011, China's insurance regulatory commission.

Changes and improvements have been made to the commercial vehicle insurance of the vehicle, and there is a complete set of laws for the settlement of the car insurance for the commercial vehicle insurance.

In the first quarter of 2011, the insurance market was briefed.

Commercial auto insurance, which has been controversial since March 2011"High insured, low payout"Cai Jipu, deputy director of the General Office of the China Insurance Regulatory Commission, said that the China Insurance Regulatory Commission has decided to improve the commercial auto insurance system by the end of September 2011.

Cai Jipu, deputy director of the General Office of the China Insurance Regulatory Commission, said that the improvement of the vehicle commercial insurance system will take the protection of the interests of the policyholder and the insured as the starting point and the end point, and start from the product management system, the determination of terms and rates, the standard of underwriting and claim service process, the market-oriented reform of rates, the popularization of auto insurance knowledge and risk warnings, etc., to comprehensively and systematically sort out the problems existing in commercial auto insurance.

The state announced the change and improvement of vehicle commercial insurance in September 2011, hoping that the change of commercial vehicle insurance can reflect the protection of the interests of policyholders and insureds.

On February 4, 2015, the "2014 version of the model clauses for the commercial auto insurance industry" was released, according to the person in charge of the China Insurance Association, the "2014 version of the model clauses" clearly stipulates that the insurance amount of car damage insurance shall be determined according to the actual value of the insured motor vehicle at the time of insurance.

Commercial insurance can be bought from insurance companies, such as Chinese Life, Ping An Insurance and so on. Buy insurance according to your needs, for example, if you want to manage money, buy financial management; If you need to be covered by illness insurance in the future, you should buy sickness insurance.

[Legal basis].Article 12 of the Insurance Law.

The policyholder of life insurance shall have an insurable interest in the insured at the time of the conclusion of the insurance contract.

The insured of property insurance shall have an insurable interest in the subject matter of insurance at the time of the occurrence of an insured event.

Life insurance is insurance that takes a person's life and body as the subject of insurance.

Property insurance is insurance that takes property and its related interests as the subject matter of insurance.

The insured refers to the person whose property or person is protected by the insurance contract and has the right to claim the insurance money. The policyholder can be the insured.

Insurance interest refers to the legally recognized interest of the policyholder or the insured in the subject matter of insurance.

Summary. Hello, commercial insurance can go to the insurance company's outlets to insure, you just need to take your ID card, go to the insurance company's offline outlets, and apply for insurance.

How to buy commercial insurance.

Hello. Hello, commercial insurance can go to the insurance company's outlets to insure, you just need to take your ID card, go to the insurance company's offline outlets, and apply for insurance.

How to buy commercial insurance.

You can go directly to the insurance company's outlets to purchase them. Or call the insurance company** and apply for insurance**.

Commercial insurance includes life insurance and property insurance. Among them, life insurance includes life insurance and health insurance, such as accident insurance, life insurance, critical illness insurance, medical insurance, etc. Property insurance includes car insurance, enterprise property insurance, family property insurance, ship insurance, liability insurance, guarantee insurance, cargo transportation insurance, agricultural insurance, engineering insurance, credit insurance, etc.

The commercial insurance application process is mainly divided into two steps:1Submitting an insurance application is mainly to submit the basic information of the policyholder and the insured; Policyholders; The ID card of the policyholder and the insured.

2.The customer cooperates with the staff to complete the relevant work. After handing over the customer's information to the insurance company, the customer needs to sign the contract, submit the receipt, and then the insurance company will have a return visit from the customer.

Hello. Commercial insurance includes critical illness insurance, medical insurance, accident insurance, life insurance, education fund and financial insurance.

However, the more important thing is that the first four types of insurance can provide us with the protection we need in our daily life.

If you don't know what commercial insurance you should buy, you can click to make an appointment for [1-to-1 Insurance Planning Service], and Deep Blue Insurance will provide you with professional advice.

1. Critical illness insurance.

Cancer is a major disease with a high incidence and high rate, and it is gradually getting younger.

Many people can withstand minor illnesses, but they can't afford to have major illnesses, which is also the key to the emergence of critical illness insurance.

2. Million medical insurance.

Although the state has given medical insurance such benefits in terms of treatment, the role of medical insurance is still too limited.

3. Accident insurance.

No one knows which will come first, the accident or tomorrow.

An ordinary accident insurance, 100 yuan, protection for disability, death, reimbursement of medical expenses, and subsidy for hospitalization allowance Even if it does not play a 100% role, it can at least relieve a little pressure.

This insurance is recommended for people of all ages.

4. Life insurance. Life is divided into three periods, two of which are pure consumption, and only one period is able to make money, which can be described as earning money for a while and spending money for a lifetime.

When you can earn money, you must work hard to earn money and let your family live a good life, but the world is impermanent, and some people just don't have the opportunity to make good money.

When people leave, you can leave everything, but you can't leave debts and financial burdens for the people you love.

At this time, a life insurance policy can help, covering death or total disability, and getting a sum of money when you can't continue to make money.

Personal business insurance can be purchased in the following ways:

1.Critical illness insurance can cover critical illnesses such as malignant tumors and serious chronic diseases, as well as some common mild and moderate diseases. Medical insurance can reimburse the actual medical expenses incurred by the insured due to illness or accident, if you are worried about serious illness, you can consider millions of medical insurance, if you usually see more outpatient clinics, you can consider buying outpatient and emergency medical insurance, etc.;

2.Accident insurance, which can mainly protect against personal accidents;

3.If you have more money in hand, you can also consider taking out some financial insurance, the disadvantage is that the income is not very high, but the advantage is that it is very safe.

The purchase of life insurance is decided on a case-by-case basis. Life insurance includes accident insurance, term life insurance, medical insurance, and critical illness insurance.

First, consider protection insurance. The core function of insurance is protection, and only the protection function cannot be replaced by any other Xiaohongfan financial tools. Both medical insurance and critical illness insurance are designed to hedge against the risk of illness.

The difference is that critical illness insurance is mainly used to make up for the loss of income caused by critical illness, and it is used to prolong life; And health insurance is life-saving. Due to the incompatibility of accidents and illnesses, accident insurance and health insurance are needed by everyone in the family. If the investment channels are not particularly abundant, pension insurance can also be considered.

2. Pay attention to the common terms of insurance: deductible, observation period, and policy value. Deductible:

It mainly appears in reimbursement medical insurance. In order to avoid unnecessary waste for policyholders, insurance companies have set up deductibles, which can strengthen the policyholder's control over medical expenses. It also saves the insurance company's time and cost.

Observation period: Appears in health insurance. In order to prevent the insured from getting sick or tampering with the medical history, the insurance company will set an observation period.

During the observation period, the insurance company can avoid claims, so it is best to choose a product with a short observation period and renewable policy. Policy Value: Usually occurs upon surrender of the policy.

For general consumer insurance, the policy value is equal to the premium minus the insurance company's administrative costs, so the policy value will be lower than the premium. It is not cost-effective to surrender the policy after the cooling-off period.

Three. Medical insurance is mainly based on hospitalization medical insurance. Medical insurance mainly covers the costs incurred in outpatient and inpatient treatments.

Comparatively speaking, the cost of hospitalization is greater than that of outpatient treatment, so it is within the scope of risk control. It is more cost-effective for ordinary families to be hospitalized. It should be noted that when choosing a product, it is best to see whether the insurance product has the function of guaranteeing renewal; Inpatient medical care in the market is generally a consumer product and may not guarantee renewal.

The insured was in good health when he was young and had no obstacles in applying for insurance. However, in the event of an accident, the insurance company may ask for additional premiums, and some may even refuse to insure, which is unstable for the policyholder.

4. Earnestly fulfill the obligation to truthfully inform. When purchasing health insurance, the insurance company will require the insured to truthfully disclose the physical condition and past medical history, and some insurance companies will also confirm the specific disease. At this time, what the policyholder has to do is to tell the truth according to his actual situation, otherwise the insurance contract will be invalid.

When a claim is made, the insurance company can reject the claim.

Verb (abbreviation verb): the sooner you buy health insurance, the better. Health insurance has a certain age limit on the insured person, generally under 65 years old. And because the younger the insured, the lower the risk of illness, the premium will be cheaper and the coverage period will be longer.

The purchase of life insurance should be decided on a case-by-case basis. Life insurance includes accident insurance, term life insurance, medical insurance, and critical illness insurance.