Have you ever had insurance? Does buying insurance really work?

Of course I had insurance.

In fact, many people have bought insurance, but they may not realize it, especially students. For students, every year the school will buy student insurance, the full name is "primary and secondary school students' safety insurance". This is a kind of personal accident insurance, group insurance, which covers students' personal accident injuries, and is characterized by low premiums, high insurance amounts, and wide coverage.

Before I went to my internship this summer, I bought myself an accident insurance. Don't think how tall you are, in Alipay, **ah, the official website of each insurance company and even the official WeChat*** can buy insurance. Because of the expansion of online sales channels, the operating costs of insurance have been reduced, and with it, the premiums have been reduced, and the insurance popularization services have been wider.

I bought a short-term personal accident insurance with an insurance amount of 500,000 yuan on Ping An's Tmall***, the insurance period is 90 days, and the premium is more than 10 or 20 yuan, but it disperses my personal risk in the next three months, including death payment, disability payment, and medical expense payment.

In fact, I used to buy some short-term insurance, for example, on the National Day, because it was an independent trip, I bought myself a 7-day personal accident insurance, with a premium of less than 10 yuan and an insurance amount of 1 million. During this period, the risks incurred during my travel are borne by the insurance company.

Now for the second question: is it really useful to buy insurance?

The answer, of course, is yes and useful. If it doesn't work, how has insurance gone from an unappreciated industry to a sunrise industry that the state attaches great importance to in recent years? The state strongly supports the development of the insurance industry, because for too many years, insurance has been exploited and suppressed.

It hurts me that insurance is useless and still prevails in China today. Let's take a look at a set of data:

The victims and affected merchants in the incident received at least $38.1 billion in compensation, of which insurers paid 51%, more than half; Wenchuan Da** lost a total of 845.1 billion yuan, and the insurance only paid more than 2 billion. Why, because the Chinese are biased against insurance.

According to statistics, developed countries have more than five policies per capita, while Japan has even seven policies per capita, and China has less than one policy per capita.

Insurance has long been considered a scam in China, partly because of its lucky nature. If you buy insurance, you will not necessarily be compensated, and you will only be compensated if an insured accident occurs within the time frame agreed in the insurance contract, so there are many disputes.

Risk does not exist all the time, it may or may not happen, so it is called risk. And once it happens, there is simply no way to resist it alone, so insurance came into being.

Insurance exists to share personal risks, and it is a risk-sharing mechanism where one person is the many, and the many are the other. For example, without insurance, there will be many people who dare not get sick, for fear that if they get sick, their families will be ruined and their wives will be separated. When I saw those people on the street begging on their knees with a sign and begging for money to treat their families, I wondered if the outcome would have been much better if he had done a good job of sharing the risk and buying insurance for himself and his family.

I hope that insurance is useless and will not appear again, modern society is inseparable from insurance.

I'm sure I've bought insurance, every year the school asks people to buy insurance, and many times it's the kind that you are forced to buy by the spirit. For so many years, I personally feel that it is actually useless for myself, but there is a case in everything, and we actually buy insurance is to buy a peace of mind, buy a peace of mind.

I remember when I was a child, there was a person in my hometown who bought insurance, and my grandmother and she still knew each other, and they seemed to be a little related. At that time, I came to the house to recommend insurance, and my grandmother was embarrassed to refuse others, and she said that the child should buy insurance at school anyway, and it was the same, if you bought it here, you don't need to buy it at school. My grandmother thought, then buy it, so she bought me insurance for two years, but it didn't take long for the school to let me buy insurance, and it wasn't particularly expensive at that time, 50 yuan a year.

And if the school doesn't buy it, the school won't be responsible for anything that happens in the future. My grandmother is also a soft-eared person, and as soon as she heard such language oppression, she bought me insurance again.

I think it is still necessary to buy insurance, and there will be some accidents in life. Accident insurance should at least be bought, now car accidents are particularly ordinary, and this society for the elderly, endowment insurance is also necessary, many people are now only children, need to support four old people, the pressure is quite high, insurance bought in advance, help to share a little pressure in the future.

There is also a kind of insurance is also necessary, car insurance, every day I don't know how many car accidents happen, even if you are particularly skilled, you should also buy car insurance, maybe one day someone else will hit you, or you accidentally distracted and hit someone else. Medical insurance is also a must, so that when you go to the doctor, the expenses will be reimbursed to a certain extent.

In fact, everyone should have bought insurance, as long as you have paid social security, then you have bought insurance, because social security is also a form of insurance, but this is a kind of welfare provided by the state. There is also group insurance, many companies are providing such benefits for employees, but the employees themselves do not know, and the subject here should refer to commercial insurance. There are several reasons why many people think that insurance is useless.

First, I don't have a good understanding of insurance as a financial tool. Insurance is a mechanism for transferring risk, a tool used to reduce the loss caused by risk, and the principle of insurance is not understood. Many people are not very aware of the role of risk management, so they feel that insurance is useless.

If you learn the classification of insurance and understand the problems that can be solved by different types of insurance, I believe that many people will not have such thoughts.

Second, I have suffered some bad experiences. For example, some people have encountered a rejection of compensation after buying insurance, which will make him have a very bad impression of insurance, and he will not help him solve the problem, or he has encountered some salesmen who have knowledge for performance to exaggerate insurance, do not objectively explain the function and significance of insurance, and do not interpret the terms well, so they think that insurance is a fraud. In fact, the problem is not the insurance, but whether it is the right one when you buy the insurance.

3. The weakness of human nature. The role of insurance is to protect against the risk of uncertainty in the future, which may be decades away, so many people will think why worry about things that are uncertain in decades? Anyway, the risk will not necessarily come to you, and you feel that the risk will only happen to others, and the stories that happen to others will not take into account yourself.

Insurance itself is against human nature, that is, to prevent the family's life from being changed due to some sudden risks.

I've bought it, and I've done insurance sales before.

In fact, to be honest, many people say that insurance is a deception, etc., it is because they do not have a clear understanding of the nature and type of insurance, and some may also have some bad salespeople, for their own performance, exaggerate the role of insurance.

But after I did the insurance, I found that the insurance is not so bad, and after understanding it specifically, I can buy insurance according to my own situation, and some of it is still very useful.

For example, insurance is divided into endowment insurance, serious illness insurance, financial insurance, children's insurance and so on.

Some people buy pension insurance, but they get seriously ill and want to rely on insurance to assist themselves, but they find that the insurance cannot be reimbursed, so they say that insurance is a fraud. In fact, this situation is actually very common, and some people just think that insurance is omnipotent, and they should protect themselves when they buy it.

In fact, there are so many types of insurance, how can you protect yourself and your family well if you buy insurance that does not correspond?

Some people will be a little more greedy, thinking that one insurance covers everything, how can there be such a good thing.

For example, pension insurance is to wait for you to retire when you are old, and you can get a certain amount of income every year. I have been getting it for life, and I will get it for as long as I live. This is also a certain supplement for some people who are under-funded.

There is also critical illness insurance, which can protect many kinds of serious illnesses, and once a serious illness occurs, it will be paid immediately, which is much less troublesome than seeing a doctor first and then reimbursing it from the hospital.

Therefore, insurance sometimes has a good side, but it just means whether you have bought the right insurance for yourself.

If you have a friend who is doing this, you can ask him to learn more about insurance.

Asking such a question, I'm sure you're in a state of doubt about insurance. As a responsible person, understanding insurance is a love for yourself and your family.

Of course, here, I assume that you are asking about commercial insurance. Let's talk about business insurance.

There are two very important reasons why people become poor: accidents and illness. These two things happen very rarely in our lives, but the risks are very high. We all know very well that social insurance alone will not cover us for some of these extreme risks.

At this time, we need to purchase additional commercial insurance, so that we can be compensated for major risks in the future.

In fact, the essence of insurance is to use affordable money (i.e., premiums) to transfer economic losses that we cannot afford under extreme conditions (such as serious illness and even death).

In fact, each of us needs insurance protection. When a person buys insurance, he or she is responsible for his family and himself.

This classification method according to the subject of insurance is the most intuitive for us, property insurance is insurance with property and extreme interests as the subject of insurance (protection object), and life insurance is insurance with human life and body as the subject of insurance. If we further break down the subject matter of insurance, we can see:

1.Property Insurance:

1) Property damage insurance (home property insurance).

2) Liability insurance (product liability insurance).

3) Credit insurance (export credit insurance).

2.Life Insurance:

1) Life insurance - takes a person's life as the subject matter (term life insurance, whole life insurance, universal insurance, annuity insurance, etc.).

2) Health insurance - the subject of insurance is the body of the insured (medical insurance, critical illness insurance).

3) Accident insurance - the body of the insured is the subject of insurance (accident insurance).

Whether it is useful for you to buy an insurance depends on whether there are risks that you cannot afford in this part.

Of course, with the development of insurance, insurance products have gradually been endowed with more and more functions. On the basis of protection, insurance companies later launched insurance with various functions such as savings, investment, and dividends. At this time, it is regarded as an investment product, not as an insurance.

I have bought insurance, Ping An's commercial insurance, and I think commercial insurance is quite useful. I bought two commercial insurance policies for me and my son, because my husband belongs to the military system, so he doesn't need to buy them. Ha ha.

In addition, I have five insurances from the company, and my son also has urban medical insurance, but I think it is better to have a commercial insurance.

My son's share was bought on the first June 1st after he was born, it is Ping An's Ping An Fu business, paying 5,000 yuan of insurance every year, a total of 15 years, and then you can take out a part of it in junior high school, high school, college and marriage, in fact, there is not much money, 5,000 a year, 15 years a total of only 75,000. It's just a deposit, and there are some extra guarantees. There are serious illness medical treatment, accident medical treatment, etc., because of the child, it is inevitable that there will be a bump, etc., or a disease, etc.

I remember that in October last year, my son stepped on a ball, and then lay on the edge of the bed, and as a result, he made a cut on the bridge of his nose, and went to the hospital for stitches, thinking about it is really distressing, and now the medical expenses of the hospital are also high, and the stitches cost more than 1,000 yuan, and then I reported to the insurance, and the next day I reimbursed 98% of the cost, at that time I felt that it was really effective.

I thought about waiting for the baby to go to kindergarten and then buy a minor illness insurance to supplement it, because after going to school, the child is cross-infected, and it seems that there are always minor illnesses. This makes it even more secure to be hungry.

At the same time, I also bought myself a women's insurance, because the basic endowment insurance and medical insurance sometimes seem to be not very reimbursed, and it is not comprehensive. The idea of buying insurance is that if you are sick, you can be insured, and if you are not sick, it is naturally better, and you can also save money. Otherwise, the usual money will be spent.

I bought 18 insurance policies when I was in college, so why should we buy commercial insurance? Insurance is a scientific institutional arrangement, in order to deal with the property losses caused by various risks of birth, old age, sickness, death and disability in life.

Therefore, the truest use of insurance is to protect against unpredictable risks. In fact, let's put it this way, because there is a big thing such as an accident or serious illness or disaster, it is difficult for us to solve the problem of our own savings, so at this time we need insurance to make up for the property loss caused by these risks.

The other is the leverage effect, which is to make a small amount of money and exchange small money for big money. When it comes to leverage, you may say that there is not only **allocation grade**, is the housing market or something leverage? How is this insurance leveraged?

In fact, it's also leverage, right? So how do I go about configuring it?

First, I have to consider the cost performance, after all, poor! The student party only has so much money, and it hurts to be sad, and it has to help the whole family configure accident insurance and health insurance.

Second, buying insurance is no different from buying **** financial products? So it's all the same.,You have to understand it before you buy it.,Or,What else to play.。。。 In other words, many people should not have figured out the rules at present, so they ran into the ** to become the People's Liberation Army.

Then I just want to say that the new leeks really grow well...

Third, the payment period of many types of insurance is 10 years, 20 years, or even more, take Xiaoyezi's premium of more than 5,000 for 1 year! I chose to be 60 years old, after all, the student party, Alexander. Therefore, the annual burden will be heavier, and if you choose to extend the number of years of payment, the annual expenditure of Xiaoye will be smaller, so that you can not only take care of your financial expenditures, but also give yourself a guarantee, okay!

So I don't have to do my homework.