How to buy insurance security? What is the safest and most reliable insurance to buy?

Choosing the right insurance on formal channels is basically safe, and the insurance itself is reliable.

The launch of each insurance needs to be strictly reviewed and approved by the China Banking and Insurance Regulatory Commission before it can be sold and bought on the market, and it is necessary to sign an insurance contract with the insurance company, and the insurance contract is subject to the country's "Insurance Law" and "Contract Law". Let's take a look at this article again to understand the specific reasons why insurance is trustworthy: Is it reliable to buy insurance?

Will the insurance company be a rogue and refuse to pay?

Some people feel that insurance is a fraud, and many times they mistakenly think that insurance covers everything, or they easily listen to the recommendation of others and blindly buy unsuitable insurance, and if something happens, they do not get the compensation when they first apply for insurance.

Different types of insurance have different functions, and the protection content of different products is also very different, so to buy insurance, we need to formulate scientific and reasonable protection goals, combined with their own protection needs, professional background, income, economic status and other aspects to choose the right insurance products, can not buy at will, let alone buy insurance on impulse!

Now there are many channels for insurance, we can go down to the operating agencies of insurance companies, banks, and regular insurance companies to buy insurance, and we can also apply for insurance online, and we can buy insurance on the insurance company's official website, WeChat, and APP, and we can also buy insurance on Alipay's Ant Insurance, WeChat's microinsurance, and other insurance third-party platforms.

Nowadays, it is more convenient to apply for insurance online, with high product information transparency, low cost and high cost performance, so we also find different products to compare through various formal channels on the Internet, and then choose the right product according to the actual situation of the individual.

Can I buy insurance at the door? Is it reliable? Where to pay?

Expert Analysis: Which Insurance Company's? You can look at the salesman's business license, ask the salesman's work number, and call the company's customer service ** query, you can know how long he has been in the company and what position.

Now insurance sales are relying on our salesmen to sell, nothing unreliable, mainly depends on what you want to protect, to see the quality of the salesman? You can also learn more about the products of several companies and shop around before making a choice. You don't need to pay cash for the current payment, provide the bank card number, and the insurance company will transfer the account uniformly.

Today's insurance business is becoming more and more standardized. You can rest assured! If you feel that the insurance products he introduced are suitable for you and can meet your needs, you can consider that the current premiums are all through bank transfer, and the salesman cannot collect cash.

Of course, this depends on whether the business personnel are qualified and business certificates, open cards, deposits can be handled by themselves, all bank transfers, can be handled by the company, can also be handled by the salesman, the current insurance market has been very standardized, as long as the insurance can meet their own needs, you can rest assured to handle Buy insurance is to buy protection, salesman door-to-door sales insurance, has been very common, each of our salesmen have done a strange visit, as long as the salesman to promote the insurance is suitable for you, can solve your worries in life, can do, As for the reliability you can audit the identity of the salesman, you can call the customer service and see the salesman to get the certificate and the business certificate, verify the identity of the salesman, now are zero cash charges, on the spot swipe, you can receive the company to send you the information, at that time can see the underwriting, underwriting information, very convenient, the company three days of the policy will come down to your house, there are ten days of depression, want to do an insurance can give the first person a good communication, a raw and cooked two meetings on the familiar, as long as the product is good, you can do. Insurance practitioners generally speak of sincerity. Having an insurance policy for your family is a sign of responsibility and love.

What insurance is the safest and most reliable to buy should be analyzed on a case-by-case basis.

1. Critical illness insurance.

Its protection is the most worry-free, and it is necessary to focus on the protection of moderate and mild illnesses. This is because all critical illness insurance covers 28 types of high-incidence critical illnesses and 3 types of mild illnesses stipulated by the China Banking and Insurance Regulatory Commission. These 28 high-incidence diseases already account for about 95% of the critical illness claims.

Among them, 6 high-incidence serious diseases (malignant tumors, acute myocardial infarction, coronary artery bypass grafting, sequelae of stroke, end-stage renal disease, and major organ transplantation) have also accounted for 80% of the claims.

Therefore, there is generally no need to worry about critical illness protection. In the mild and moderate illness coverage, the more comprehensive the coverage of high-incidence diseases, the better, and the higher the payout ratio, the better.

2. Medical insurance:

When we talk about medical insurance, we generally refer to million-dollar medical insurance. As the most high-profile medical insurance, Million Medical Insurance has the characteristics of low premium, high sum insured, and full protection.

3. Accident insurance:

Accident insurance has three core benefits: accidental dismemberment, accidental death, and accidental dismemberment. These three core protections are indispensable, and if any accident insurance lacks one of them, it is undoubtedly a junk product.

Accidental death and accidental disability mainly look at the sum insured, and the higher the better.

Accidental medical treatment depends on its compensation ratio, reimbursement scope and deductible.

4. Life insurance: Life insurance is life insurance that unfortunately dies or becomes totally disabled during the protection period, whether it is due to illness or accident.

Life insurance is divided into term life insurance and whole life insurance. Whole life insurance is generally not recommended because it is too expensive and only suitable for wealthy people to pass on their wealth. Term life insurance is much cheaper because of the high leverage, which is very suitable for ordinary working families.

Generally speaking, it is more necessary for the breadwinner of the family to purchase life insurance in order to reduce the financial pressure on the family after the breadwinner falls. Therefore, it stands to reason that the elderly and children do not need to buy life insurance.

The responsibilities of life insurance are relatively simple, and there are only two aspects to pay attention to, the sum insured and the protection period. The sum insured should be able to cover the family's expenses for five to 10 years after losing income. The insurance period should protect the period when the family's financial risk is the greatest, such as until the loan is repaid and the children work.

To put it simply, the higher the sum insured, the better, and the longer the coverage period, the better.

Test your anti-risk index, experts will interpret it for you for free!

Generally speaking, as long as the commercial insurance is configured through formal channels, it is safe and reliable, and it needs to be reviewed and approved by the China Banking and Insurance Regulatory Commission before it can be put on sale.

As for what is better to buy commercial insurance, the senior sister suggests that you can focus on the configuration of critical illness insurance, million medical insurance, accident insurance, if the insured is the main economic ** of the family, you also need to buy another life insurance.

Then next, the senior sister will give the Dazheng shirt family a detailed introduction to these major risks, not much to say, just go straight to the dry goods!

1. Critical illness insurance.

Critical illness insurance mainly covers critical illness, and if the insured suffers from a critical illness as agreed in the contract and meets the criteria for compensation, then the insurance company will pay a compensation. This compensation can be used to pay for medical expenses, or to make up for the loss of income from work, or for the living expenses of family members.

2. Million medical insurance.

Million medical insurance is a reimbursement type of insurance, which can be used to reimburse the reasonable cost of fighting rock disease, usually a few hundred dollars of premium can leverage millions of insurance amounts, which can effectively make up for the lack of medical insurance. There are some value-added services such as green channels provided by some million-dollar medical insurance on the market, which can solve the problem of difficulty in seeing a doctor.

3. Accident insurance:

Accidents may occur anytime and anywhere in life, and accident insurance is an insurance that provides protection in the event of an accident to transfer the economic risk caused by an accident, so accident insurance is indispensable.

4. Life insurance. Life insurance is generally recommended to be arranged for the breadwinner of the family, because the breadwinner bears significant financial pressure, if unfortunately dies or is completely disabled, the whole family will face a huge economic crisis, and with the compensation of life insurance can solve the crisis.

Hope.

To buy insurance online, you can refer to the following channels.

1. What are the online channels:

insurance brokers and other channels.

The insurance companies sell their own online products, and the products are relatively simple, while the third-party insurance platforms and insurance brokers are cooperating with insurance companies to aggregate and sell the products of multiple insurance companies, and from the needs of consumers, they can select products from different insurance companies.

2. A formal and reliable platform must be licensed.

With the implementation of the new critical illness regulations on 1 February 2021, the China Banking and Insurance Regulatory Commission (CBIRC) announced that the Measures for the Supervision of Internet Insurance Business will also be implemented.

The Measures for the Supervision of Internet Insurance Business stipulate that Internet insurance business shall be carried out by insurance institutions established in accordance with the law, and other institutions and individuals shall not carry out Internet insurance business. If it is not an insurance institution established in accordance with the law, not only is the sales behavior prohibited, but these behaviors such as providing insurance product consulting services, comparing insurance products, calculating premiums, comparing prices, and handling insurance procedures on behalf of others are also not allowed!

Therefore, we must choose an insurance consulting platform that holds a compliance license.

Test your anti-risk index, experts will interpret it for you for free!

1.Chinese life 2Ping An of China 3Xinhua Insurance4Pacific Insurance Among them, only New China Insurance focuses on life insurance.

Extended information: 1. How to choose insurance for children?

As for how to choose insurance for children, in fact, there is no choice of insurance, usually the health protection of the child is guaranteed by three parts: accident insurance, medical insurance and critical illness insurance. If you can, buy them together.

Second, what is the safest and most reliable insurance for children? Medical insurance, Xi Caijun will talk about medical insurance, parents with children can be a reference by the way.

1. The practicability of medical insurance: it is greater than that of critical illness insurance, why is it said that what insurance is the safest and most reliable for children to buy, it is because critical illness insurance is claimed through the definition of disease, but the threshold of disease definition is relatively high, and it is more difficult to make claims, unless it is a particularly serious disease, but if you buy a small amount of medical insurance + million medical insurance, it is a large and small illness that can be reimbursed for hospitalization expenses, so the practicability of medical insurance is very good;

2. The importance of medical insurance: For many life-saving special drugs and imported drugs, medical insurance cannot be reimbursed, but millions of medical insurance can be reimbursed, and we are a powerful means to fight against high costs. Therefore, it is relatively safe and reliable.

3. Ping An Life.

1. Ping An Life Insurance Co., Ltd. was established in 2002 and is an important member of Ping An Insurance (Group) Co., Ltd. of China. As of the end of 2020, Ping An Life had a registered capital of RMB 33.8 billion, 42 branches and more than 3,300 business outlets across the country, and a nationwide service network, which can provide users with full-cycle life insurance products and services. In terms of digital services, Ping An Life served more than 100 million users throughout the year, of which nearly 99% were handled through online channels, effectively ensuring the provision of high-quality online services during the epidemic.

2. In addition, Ping An Life is the first in the industry to create the "intelligent pre-claim" service, which provides part of the claim payment in advance for eligible customers in the process by building a claim user portrait and big data model, and the cumulative pre-claim amount exceeds 100 million yuan throughout the year, which greatly shortens the claim settlement time and provides users with efficient claim settlement services. According to the latest data displayed on the official website, the comprehensive solvency adequacy ratio of insurance companies in the second quarter of 2021, the core solvency adequacy ratio, and the comprehensive regulatory risk rating of Class B in the first quarter of 2021 are all higher than the regulatory requirements of the China Banking and Insurance Regulatory Commission and are worthy of the trust of users.