What is good about commercial insurance? What is the best business insurance to buy?

Commercial insurance is equivalent to a supplement to social security. 1. The social security is low, which can only meet the basic security needs, and it is necessary to purchase commercial insurance. 2. Critical illness insurance in commercial medical insurance can be paid if you meet the conditions for claims, which can make up for the dilemma of many families who have no money for treatment.

3. Commercial insurance can choose to purchase a higher sum insured.

Commercial insurance includes critical illness insurance, medical insurance, accident insurance, life insurance, accident insurance, annuity insurance, etc., and the protection content and role of different types of insurance are different, so you can choose according to your own needs.

When we have the disease agreed in the contract and meet the claim standard, the insurance company will directly pay the corresponding amount of insurance in accordance with the original agreement, and how you spend the money, will not interfere. Regarding critical illness insurance, you can choose from this list: Top 10 popular critical illness insurance points worth buying!

Medical insurance is a supplement to social security, which can reimburse expenses outside of social insurance, usually up to a certain deductible, and reasonable and necessary expenses for hospitalization** can be reimbursed.

Life insurance, on the other hand, covers death or total disability, and can pay a sum of money to the beneficiary when the insured unfortunately has an agreed insured event.

Accident insurance covers accidents, such as burns, fractures, etc., which can reimburse the medical expenses caused by these accidents, and usually covers accidental death or disability.

Annuity insurance is a one-time or annual deposit of money to the insurance company, and when the agreed time can be received annually or monthly, it can be used as an education fund, pension and so on.

The types of commercial insurance include financial insurance and health insurance, as well as car insurance, which we have more contact with, all of which belong to commercial insurance, and today we will mainly talk to you about health insurance. After all, insurance is still about protection.

1. Critical illness insurance.

Critical illness insurance is paid on a payout basis. When you suffer from a critical illness insurance contract or reach the specified level, the insurance company will pay you a sum of money according to the contract.

You can use this money freely to cover medical expenses, medical expenses, or household expenses, and critical illness insurance is mainly to compensate for the loss of income caused by illness.

When choosing a critical illness insurance product, it is best to choose a product that covers critical illness, moderate illness and mild illness, and pay more attention to the number of claims and the proportion of claims for moderate and mild illness of the product.

2. Medical insurance.

Medical insurance can compensate for the lack of medical insurance, and can be divided into million medical insurance and small medical insurance according to the amount insured. Small medical insurance is generally used to reimburse the cost of minor illness**, while million medical insurance is used to reimburse the cost of major illness**.

Million Medical Insurance has always been sought after by people due to its low premium, high sum insured, and wide coverage.

3. Accident insurance.

Accident insurance covers external, unintentional, non-disease and non-self-inflicted injuries. Accident insurance is suitable for everyone to buy, because no one can guarantee that accidents will not befall them.

Accident insurance includes very short-term accident insurance, one-year accident insurance and long-term accident insurance, and we can choose accident insurance according to our specific needs.

4. Life insurance. The condition of life insurance is the death or total disability of the insured, and life insurance can be divided into term life insurance and whole life insurance according to the protection period.

Term life insurance is suitable for those who are the breadwinner of the family, as it can protect the family from falling into an excessive financial crisis due to the collapse of the breadwinner.

Whole life insurance is more expensive, because it is lifelong, it means that the insurance company will pay out, and it is more suitable as a kind of property inheritance.