What do you think about commercial insurance? Is it reliable

When we have accidents, illnesses and other risks, in the case of meeting the corresponding claim conditions, the insurance company can pay us the agreed insurance money to solve medical expenses and other problems, and to a certain extent, it can reduce our economic pressure, so commercial insurance is reliable. If you want to know more about the benefits of insurance, then I recommend checking out this article: What are the benefits of buying insurance?

A lot of people think too much.

Many people find commercial insurance unreliable, largely because they fear that the insurance company will go out of business and that it will be difficult to settle claims. As for insurance companies, in fact, every insurance company is approved by the China Banking and Insurance Regulatory Commission (CBIRC) and is subject to the supervision of the CBIRC and the constraints of the Insurance Law, so the possibility of bankruptcy is very small.

Even if the insurance company goes bankrupt, our policy will be transferred to another insurance company, and the protection will not be affected. If you want to know more about the bankruptcy of an insurance company, you can poke: The insurance company is bankrupt, what should I do with the insurance I bought?

As for the difficulty of claims, most of them are due to the fact that when purchasing insurance, they did not inform their health, or when they were out of insurance, they did not meet the corresponding claim standards, in fact, as long as the corresponding claim conditions were met, the insurance company would settle the claim normally. Regarding the correct posture for insurance claims, I recommend that you take a look at this article: What are the correct postures that are fast and good for insurance claims?

If you don't lose, you will be on the plate!

If you have a sufficient budget, it is still very good to buy commercial insurance, because many commercial insurance can provide more comprehensive personal protection for the insured, and can transfer the economic risks caused by illness, accidents and other situations, so commercial insurance is still very reliable on the whole, you can consider it.

Of course, everyone's actual situation is different, and the suitable insurance plan is also different, you can refer to the following for the specific plan: How to buy insurance for different ages? Everyone should have their own plan.

In fact, there is not much to do with insurance, and the greasy lies in how to set insurance, claim claims, and assess losses. Mainly lies in the difference between novices and veterans, I briefly talk about commercial insurance, in fact, there are still some things that must be understood, the code word is too tired, I turned it over. How is insurance calculated?

It is mainly calculated according to your vehicle invoice**, and there will also be professional software to calculate it for you, and the one in red is what I explained.

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

Commercial insurance is the principle of personal fairness and is protected by law. For individuals, it is more reliable than social security based on the principle of social equity.

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.

It is reliable to buy commercial insurance, because the commercial insurance purchased through formal channels will sign an insurance contract, and the insurance contract will clearly stipulate the relevant matters, which can effectively protect the rights of the policyholder and have legal effect and legal binding.

[Legal basis].

Article 10 of the Insurance Law of the People's Republic of China.

An insurance contract is an agreement between the policyholder and the insurer to stipulate the relationship of insurance rights and obligations.

The policyholder refers to the person who has entered into an insurance contract with the insurer and has the obligation to pay the insurance premium in accordance with the contract.

An insurer refers to an insurance company that enters into an insurance contract with the policyholder and bears the responsibility of compensation or payment of insurance money in accordance with the contract.

Article 14. After the insurance contract is established, the policyholder pays the insurance premium according to the agreement, and the insurer begins to bear the insurance liability according to the agreed time.

It's reliable. As the name suggests, commercial insurance is aimed at pursuing income or returns, so based on this purpose, we can guarantee at least one point, that is, social insurance will be more secure and safe than commercial insurance.

If your family is not yet protected, first give you an easy-to-understand universal insurance logic, hospitalization medical care, critical illness insurance, and accident insurance must be bought; Term life insurance is bought at the discretion of the person; Saving money cannot be without annuity insurance; Buy whole life insurance when you have money; Among them, critical illness insurance, hospitalization medical insurance, accident insurance, and term life insurance can be called the "four treasures of guardianship" of family protection, just like the four spirit animal babies guarding the four directions.

With the increase in income, if you still have money left over after allocating accident insurance and critical illness insurance, then you can start to allocate life insurance. As a consumer-based insurance, term life insurance is generally less expensive. Taking the sum insured of 100,000 yuan and the insurance period of 20 years as an example, the annual premium of term life insurance is only a few hundred yuan, and some are even only about 200 yuan.

If you are a retired elderly person or a student who goes to school, you don't need to bear the burden of the family, and the burden of building the home is no longer on you, even if something goes wrong with you, the family will not change much, there is no need to buy at this time.

Is commercial insurance really a scam?

Li Ka-shing, the richest man, said, "People say that I am rich and have a lot of wealth." In fact, my personal wealth is to buy enough insurance for myself and my family. "You see, Li Ka-shing is so rich, he buys insurance, insurance can not only bring him health protection, but also solve his investment and financial problems, and avoid debts, even if the company is yellow, the court cannot enforce it.

Especially to avoid the inheritance tax,,, Li Ka-shing said that other wealth does not really belong to himself, only insurance is really his own, it can be seen that everything is inferior, only insurance is high!

Nothing unreliable, what are you worried about? The most important ones are nothing more than two questions, what should I do if the insurance company fails?

Insurance companies are actually not "allowed" to go bankrupt, why put quotation marks and quote a few laws to you: Chapter III of the Insurance Law of the People's Republic of China"Insurance companies"Article 84 stipulates that an insurance company that operates a life insurance business shall not be dissolved except for merger or division.

Article 87 stipulates that if an insurance company that has engaged in life insurance business through the dry people is revoked or declared bankrupt in accordance with law, the life insurance contracts and reserves held by it must be transferred to other insurance companies that operate life insurance business; If it is not possible to reach an agreement with other insurance companies, the insurance company designated by the financial supervision and administration department to engage in life insurance business shall accept it.

Therefore, as long as the policy you hold is legal and valid, then your rights and interests will definitely be protected by the laws of the country and will not be invalidated due to the bankruptcy or revocation of the insurance company.

What should I do if I don't make a claim?

In fact, this problem is also what we are most worried about, and the most important point is not to understand the human hearsay of insurance, have they personally experienced the non-compensation? For example, if you take financial insurance to claim a critical illness, can you pay for it? Isn't this equivalent to watching TV with a refrigerator?

The function is not the same, how can you achieve your purpose.

And commercial insurance must not only follow the "Insurance Law" but also follow the "Contract Law", to put it bluntly, it is a constraint on both parties in the form of a contract, all subject to the content of the contract, the contract stipulates that some can compensate you, and the insurance company that does not provide for the contract or is exempted from liability will definitely not settle the claim.

Therefore, whether insurance is reliable or not is not up to others, insurance itself is reliable, but if you find an unprofessional person, it will be unreliable, it is very important to find the right person, and professional people are more important.

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