Is insurance good Is it useful to buy insurance

Of course, insurance insurance is to give you a protection when you have an accident, so that you can minimize your losses, usually inject a drop of water, and have the Pacific Ocean when it is difficult, which is what it means, everyone for me, I for everyone. Just like life insurance, if you really have an accident, the insurance company can give you money for treatment, if you go to talk to God, the insurance company will give your family a sum of money, so that the responsibility that you can no longer continue will be borne by the insurance company for you. At present, China's insurance density is only a pitiful 10%, while in Europe and the United States, it is more than 50%.

In Japan, there are 7 insurance policies for babies who are born. The number of insurance policies is also an important criterion for a woman to choose a marriage partner.

Of course it's good. It is the dawn in the dark, the bread in the hour of hunger! Rainbow after the storm!

Very good, it is a guarantee for everyone to improve the quality of life.

When it comes to insurance, many people only know that buying insurance can avoid risks, but in fact, in addition to avoiding risks, the advantages of insurance also help us compensate for losses and manage wealth.

If you want to know more about the role of various types of insurance, you can read this article directly: What is the difference between critical illness insurance, medical insurance, accident insurance, and life insurance? What is the function.

If you can't be diagnosed with a serious illness by the hospital, it will cost at least two or three hundred thousand yuan to treat the disease in a first- or second-tier city. If you already have a million-dollar medical insurance policy, minus the expenses that have been reimbursed by social security, most of the remaining medical expenses can be covered by the million-dollar medical insurance.

It only costs a few hundred dollars in premiums every year, and the amount of insurance can be in the millions, which can help us alleviate a lot of financial pressure, and it is not too much to call it "life-saving insurance". In addition to high leverage, Million Medical Insurance can also provide practical value-added services for the insured, such as medical advances, green medical treatment, purchased drugs, etc.

If you don't know how to choose a good product, don't hurry up and take a look at this article: The top ten million medical insurance rankings are newly released!

Most medical expenses can be reimbursed, but for most people with critical illnesses, it is difficult to continue working during the period, so the advantage of purchasing critical illness insurance is that it can compensate for the loss of income. In the unfortunate event of a critical illness, the insurance company will give the insured a sum of benefits based on the amount agreed in the contract, which can cover the family's daily expenses.

In addition to being able to compensate us for the financial losses we have suffered, insurance has a certain financial management function. In this era when consumerism is fully implemented, it is too difficult to control your own fixed deposits without spending money, and if you want to save a sum of money, you can use annuity insurance with mandatory savings function.

From another point of view, banks continue to reduce interest rates, the probability of negative interest rates in the future will be very high, after the fixed income of annuity insurance, to avoid negative interest rates and inflation, so that the value of our money will be reduced. If you have friends who are interested in annuity insurance, you might as well take a look at this information: Want to buy high-yield annuity insurance?

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The idea that insurance has a protection function is correct, but there is a problem of incompleteness. Not only does it transfer risk to the insurance company, it also helps us reduce our losses, so that we can work and live with more peace of mind, and it does not make us worry too much about future risks that will lead to the whole family falling into poverty overnight.

By virtue of forced savings, insurance can also allow us to actively save a sum of money every year for future education for our children or our own pension.

For an ordinary family, it will generally face these three risks: accidents, critical illness, and large debts. In response to these three risks, insurance companies have also launched corresponding types of insurance:

They are accident insurance, critical illness insurance and medical insurance, and life insurance. Buying insurance is like wearing a seatbelt while driving, not to use it, but to reduce the damage caused by the risk when the risk comes.

1. Provide necessary protection: insurance can provide protection for common accident, health, death and other risk factors, which can reduce risk losses and effectively resist risks;

2. Carry out risk planning: Individuals or families can use insurance tools to plan their lives and transfer possible risks in advance;

3. Reasonable allocation of funds: insurance has a certain investment nature, and can be passed on by designating beneficiaries, which is a tool for allocating funds;

4. Leverage: Insurance can exchange a relatively small premium for a higher sum insured, which is leveraged and can enable the insured to obtain better protection.

Hello, how old are you to consult about insurance?

A story that fully embodies the importance of it (insurance), with it and without it, there is a world of difference, without it, we can go bankrupt and go into debt, and with it our lives will not be changed by illness or accidents.

1.Accident insurance. 2.Medical insurance. 3.Critical illness insurance. 4.Life.

Whether it is useful or not depends on whether it can be used when needed. For example, when sleeping, the mobile phone is very useless, but when you wake up, the mobile phone is very useful, and when there is a risk, insurance is your bottom protection!

In fact, the role of insurance is invisible, and it can help you solve the following major problems:

1. Pension: With the development and progress of social civilization and medicine, people's life expectancy is getting longer and longer, and the working period is relatively shorter, more and more people are beginning to consider preparing for their old age's life security, and pension insurance has become the first choice to solve the problem of old-age security, so as to let your old age life rest easy.

2. Accidents:

Accidents are unpredictable, we can't gamble our luck on the happiness of ourselves and our families, instead of praying for accidents not to come, it is better to prepare for a rainy day. Accident insurance can minimize the loss of work capacity and income interruption caused by accidents to deal a huge blow to families and loved ones.

3. Disease: According to **, China's medical expenses will increase by 19% every year, and huge medical expenses will bring heavy pressure to families, and medical and health insurance can play a role in paying medical expenses.

4. Childcare funds:

In today's society, education can be said to be very important to children, but the current education expenses are increasing, bringing greater pressure to families with school-age children, if an adult loses his ability to work or dies due to an accident, the child will become isolated, and education insurance and child insurance can alleviate the trouble for you, so as to ensure a better future for your children.

5. Tax saving: The purchase of insurance is exempt from interest tax, inheritance tax, and personal income tax. Moreover, China is carrying out the reform of social insurance, and with the continuous docking of supplementary social insurance such as enterprise annuities and commercial life insurance, individuals and enterprises will also enjoy the tax-saving effect of commercial life insurance.

6. Investment and financial management

The most basic characteristics of insurance and financial management are: medium and long-term income, security, and stable income. Therefore, when we need to increase the proportion of medium- and long-term and safe investments in our family portfolio, wealth management insurance is a good choice.

7. Asset preservation:

For example, if an accident occurs in the person in charge of a business, creditors will flock to the company, which may make a usually dignified company disappear in a blink of an eye. Insurance is a tool to preserve assets and avoid debt repayment, and it is a precious resource for a comeback.

8. Provide protection for enterprises.

In the event of an accident and the need for an employer's pension, the company's funds will inevitably be damaged, and group insurance can be used as a reserve for the company.

9. Death. People cannot avoid the natural law of birth, old age, sickness and death, and whether it is natural or accidental death will bring irreparable losses to the society and the family, especially for low-income families, the loss of the main income will bring great pain and pressure to the family, and the protection insurance is aimed at protecting possible losses, and can provide a guarantee for the family life behind it.

Therefore, from the above summary of why you should buy insurance, no matter whether you travel by Mercedes-Benz or bicycle, whether you are a large business owner or an ordinary worker, or even an unemployed person, it is more or less necessary to buy some insurance for yourself, your family, your family or employees, and the enterprise.

It is useful to answer that individuals buy insurance, because people will inevitably encounter all kinds of accidents in their lives, and no one can guarantee that when the accident comes, they can solve the losses caused by the accident by themselves, but insurance can, the main role of insurance is to share the loss of accidents, it can solve many problems very well, such as the problem that the insured can not get medical expenses, pension problems, so in general, it is very useful for individuals to buy insurance.

At present, because there are many kinds of commercial insurance on the market, and different commercial insurance has different functions, such as critical illness insurance, medical insurance, and cancer insurance, the role of insurance is to protect people's health, the role of accident insurance and life insurance is to protect the body caused by accidents and diseases, and the role of annuity insurance is to provide old-age security for the insured, so before buying insurance for yourself, you must first understand what your needs are, and then choose different types of insurance according to your needs.

1.Accident insurance. 2.Medical insurance. 3.Critical illness insurance. 4.Life.

A case-by-case analysis depends on your personal situation and what kind of insurance you have.

Of course it works, everything has to have a way back.

It is useful to buy insurance. Buying insurance mainly has the functions of risk avoidance, risk transfer, medical loss, guaranteed savings, mortgage, investment, and retirement compensation. Reasonable allocation of funds has a leverage effect, so that the insured can obtain better protection.

1. Avoid and transfer risks: avoid risks and prevent accidents after you can use insurance to protect yourself.

2. Reduce medical losses: With medical insurance as a guarantee, the burden of medical expenses can be alleviated.

3. Savings function: life insurance premiums with cash value are essentially the savings of insurance companies. When you encounter financial difficulties, you can use this money to tide over the difficulties.

4. Mortgage: Some insurance can also be used as a mortgage, if you are in urgent need of funds, you can mortgage the insurance policy in the corresponding insurance company and obtain a loan from the insurance company.

5. Investment role: Compared with higher risk ** and bonds, the investment risk of buying insurance is lower, such as life insurance in insurance products, life insurance has a special mandatory savings function.

6. Retirement compensation: for example, in pension insurance, the policyholder pays the insurance premium in aggregate until the insured reaches the specified retirement age; The insurer pays the insurance benefits to the retired insured on a regular basis or in a lump sum, and the insurance terminates when the insured dies or has paid all the insurance benefits in a lump sum.

1.Accident insurance. 2.Medical insurance. 3.Critical illness insurance. 4.Life.

Spending the money in your pocket with the risk is very distressing, and even brings disaster to your family. Fu Biao is a typical example, when he said that he was the insurance of the whole family, but he did not buy insurance, he owed millions of debts for two transplants, and he freed himself, leaving no property for his wife and children, but leaving unpaid debts.

There are four types of insurance that are really useful: 1Million Medical Insurance. 2.Critical illness insurance. 3.Accident insurance. 4.Term life insurance.

Hello! It is necessary to buy insurance for yourself appropriately, and it depends on your own needs. In everyone's life journey, life-threatening risks are often unavoidable.

It is recommended that you improve your social security before considering commercial insurance.

Hope it helps!

Of course, buying insurance helps. Insurance can make up for the loss of money due to illness or accident, when you are sick, you can not turn to relatives and friends, and you do not need to publish articles asking others to donate on mutual aid platforms such as Easy Chip and Water Drip Chip, and the insurance company will cover your illness or accident"Pay the bill"., you can accept the insurance company for you with peace of mind"Services".Many people think that buying insurance is useless, in fact, it is largely because if there is no claim event, the insurance will not settle the claim, and the premiums paid for decades will be "wasted", but is this really the case?

> Should I buy insurance? If you don't take risks, won't the money be spent in vain?

Buying insurance is nothing more than buying critical illness insurance, medical insurance, accident insurance, and life insurance.

The role of critical illness insurance is to protect against critical illnesses, that is, during the insurance period, if something like happensCancer, tumor, uremia, acute myocardial infarction, acute hepatitis and other major diseasesAs long as the illness specified in the contract, or the degree of illness specified in the insurance contract, the insurance company will pay you a sum of money, which you can use at your discretion and you can use it** expenses, purchase of nutritional supplements, housing and car loans, children's education expenses, and lost work expenses for yourself or your familyorOther expensesAnd so on. And these popular critical illnesses on the market are all good choices: >> top ten popular critical illness insurance points with comprehensive protection, high compensation ratio, and ** discounts!

The role of medical insurance is to reimburse medical expenses, that is to say, when you have an illness that requires hospitalization, the insurance company will reimburse you for the expenses, including:Outpatient, emergency, hospitalization, surgery, etc。As long as all reasonable expenses of hospitalization can be reimbursed, the expenses of discharge cannot be reimbursed.

Moreover, medical insurance can reimburse expenses that cannot be reimbursed by social security, and in general, after deducting the part of social security reimbursement and deducting the deductible, basically medical insurance can be 100% reimbursed. Like these hot-selling "million medical insurance" on the market, the premium of a few hundred yuan a year has millions of insurance amounts, which is cost-effective and very useful: the ranking of the top ten best-selling millions of medical insurance in the >> is freshly released!

The function of accident insurance is to cover accidental medical treatment, accidental disability, and accidental deathIn the event of an accident, you can reimburse the insurance company for medical expenses incurred as a result of the accident. For example, common burns, falls, traffic accidents, burns, cat scratches, dog bites, etc., are all reimbursable. Accident insurance can not only solve your own accidentsFees, but also to protect your family in the event of an accidentlife

Life insurance is generally suitable for the purchase of the breadwinner of the familyThe role of life insurance is that in the unfortunate event of your death or total disability, the insurance company will pay a lump sum of money directly to your spouse, children or parentsThis money can at least ensure that your family will not suffer a lot of financial losses due to your sudden death or total disability, and will reduce their financial pressure to a certain extent.