The difference between the main insurance and the main insurance, what kind of insurance is the main

The main insurance is the insurance that can be insured separately, and the additional insurance is the type of insurance that cannot be insured separately and needs to be attached to the main insurance, the main insurance refers to the insurance that can be insured separately, and the additional insurance refers to the insurance that cannot be insured separately and can only be attached to the main insurance.

The difference between the main and rider is:

1. The attributes are different.

The content and elements of the main insurance clause generally include the 11 contents that should be possessed as stipulated in Article 19 of the Insurance Law. It usually refers to the value of the person, which is the amount of compensation that the insured person can receive from the insurance company in the event of death or total disability.

The content of the terms of the supplementary insurance is relatively simple, except for the necessary content that reflects its particularity, the same content as the main insurance clause is generally omitted, and the corresponding provisions of the main insurance clause are directly applied, so if the content of the main insurance clause that can be cited by the additional insurance is ignored, the additional insurance clause will not be able to be insured separately due to incomplete content and incomplete elements.

2. Different types of insurance.

Common whole life insurance, endowment insurance and other types of insurance are the main insurance, such as compulsory traffic insurance, car damage insurance and third-party liability insurance in car insurance, and common additional insurance such as additional exemption, additional critical illness, additional hospitalization medical treatment, additional accidental injury, additional accidental injury hospitalization medical treatment and accidental hospitalization daily subsidy.

3. The role is different.

Primary insurance plays a large role, such as death, critical illness, etc. In addition, the insurance contract can only take effect if the main insurance is in effect, so you must pay special attention to the purchase of the main insurance when buying insurance. The role of additional insurance is often some secondary risks, it is mainly for some small aspects of life but will often occur risks to provide protection, such as hospitalization medical expenses, allowance protection, etc., if you are insured, you can further improve the protection of the insured with a lower premium investment.

4. The duration of the insurance is different.

The protection period of the main insurance is often not fixed, it can be short-term or long-term, and the additional insurance is sold with the main insurance, which cannot be insured separately, and most of them are short-term insurance with a period of 1 year, so in general, there are terms on how to renew the insurance in the additional insurance contract.

Main insurance refers to the type of insurance that can be purchased separately, and additional insurance refers to the type of insurance that cannot be insured separately and can only be attached to the main insurance, and when the effect of the main insurance is terminated or suspended due to invalidity, termination or maturity, etc., the effect of the additional insurance will also be terminated or suspended.

The main insurance is generally called basic insurance, which refers to the insurance that does not need to be attached to other insurances and can be independently underwritten.

Correspondingly, it is attached to the grinding and risk. Common whole life insurance, endowment insurance.

and other types of insurance are the main insurance.

The main insurance refers to the type of insurance that can be purchased separately, and the additional insurance refers to the type of insurance that cannot be insured and underwritten separately, but can only be attached to the main insurance, and when the effect of the main insurance is terminated or suspended due to invalidity, termination or expiration, etc., the effect of the additional insurance will also be terminated or suspended. The policyholder can only choose to insure according to his own needs on the basis of the basic insurance.

Riders are insurance coverage that is in addition to the main risks of marine transportation insurance. There are 9 types of additional insurance underwritten by Chinese People's Insurance Company, namely war insurance, strike insurance, non-delivery insurance, import duty insurance, deck cargo insurance, rejection insurance, and aflatoxin.

Insurance, customs inspection insurance, dock inspection insurance; There are 11 types of general additional insurance, namely theft, delivery of goods, fresh water and rain insurance, short-term insurance, mixed and stained insurance, leakage insurance, damage and breakage insurance, cross-smell insurance, moisture and heat insurance, hook damage insurance, rust damage insurance, and packaging rupture insurance.

Property and casualty insurance basic insurance is mainly covered only due to natural disasters.

or the direct loss of the insured subject matter caused by an accident and the loss of the subject matter caused by reasonable measures taken to rescue the insured subject matter after the occurrence of the insured event, as well as the reasonable rescue expenses paid.

Primary insurance is an insurance product that can be insured separately. Our common whole life insurance, endowment insurance and other types of insurance are all main insurance. Riders are those types of insurance that cannot be purchased separately.

On the premise of buying a main insurance, people must add some insurance to enjoy the corresponding protection benefits. Generally, insurance companies will also have two additional words on the name of the product, such as additional term life insurance, additional hospitalization allowance, etc., which are still easier to distinguish.

The effectiveness of the rider is subordinate to the main insurance in time. If the effect of the main insurance is suspended, then the effect of the supplementary insurance is also suspended.

The difference between the main insurance and the additional insurance is that the main insurance can be insured separately, and the additional insurance cannot be insured separately, but can only be insured with the main insurance. It is not necessary to buy a rider for the main insurance.

Expand the reading of the Royal World Exhibition: [Insurance] How to buy, which is good, teach you to avoid rolling limbs and open these insurance"pits"

1.Primary insurance is a product that can be insured separately, such as whole life insurance, critical illness insurance, endowment insurance, etc. Additional insurance cannot be insured separately and must be attached to the main insurance, such as additional waivers, additional critical illness, etc.

2.The two have different functions, and we cannot simply say which is more useful and which is not.

For the insured, the role of the main insurance is often to pass on some major risks, and this kind of insurance must be the main reason for the insured to buy insurance, such as death, critical illness, etc. Compared with the main insurance, the additional insurance emphasizes some secondary risks, and these small aspects are often some risks that occur frequently. Compared with the main insurance, the cost of the additional insurance is lower, but it plays a significant role, so it is necessary to consider the additional insurance when purchasing the main insurance.

3.The duration of the coverage is different, and the main insurance can be short-term or long-term. The rider is in effect with the main insurance, which is generally a one-year short-term insurance.

There is a clause in the rider contract on how to renew the policy. When choosing an additional insurance, you should pay attention to whether the additional insurance is consistent with the term of the main insurance, because if the two are inconsistent, once the main insurance fails, the protection function of the additional insurance will no longer exist.

The difference between the main insurance and the additional insurance is that the main insurance can be insured separately, and the additional insurance cannot be insured separately, but can only be insured with the main insurance. It is not necessary to buy a rider for the main insurance.

Rider insurance refers to the type of insurance that cannot be insured and underwritten separately, but can only be attached to the main insurance, and when the effect of the main insurance is terminated or suspended due to invalidity, termination or maturity, etc., the effect of the additional insurance will also be terminated or suspended. However, if the contract specifically stipulates, the individual riders can still maintain a certain effect.

Rider insurance refers to the type of insurance that cannot be insured and underwritten separately, but can only be attached to the main insurance, and when the effect of the main insurance is terminated or suspended due to invalidity, termination or maturity, etc., the effect of the additional insurance will also be terminated or suspended. However, if the contract specifically stipulates, the individual riders can still maintain a certain effect.

Some products are based on life insurance, and you can see that there are also critical illness insurance, medical insurance, etc. attached to the insurance contract. For example, the main insurance of Ping An Fu is life insurance, and critical illness insurance, accident insurance, and medical insurance are all additional insurance.

Both rider and main insurance are a type of insurance product, and the differences between the two are as follows:

1. Different nature: the main insurance terms are complete and can be insured separately, and the additional insurance can only be insured on the basis of the main insurance, and the same terms as the main insurance will be omitted;

2. The term of protection is different: the term of the main insurance is generally between 20 and 30 years, which will be longer than the additional insurance, and the additional insurance will be paid once a year;

3. Different cost performance: although the main insurance protection is comprehensive, the premium of the lost Natong is also very high, the premium of the additional insurance is low, the insurance amount is high, and it is more cost-effective;

4. Different meanings: the main insurance is the core protection, and the additional insurance is the supplement and extension of the main insurance protection.