What is the difference between basic insurance and supplementary insurance, and what is the differen

The so-called main insurance is the basic insurance, which refers to the insurance that can be insured separately as stated in various clauses, and the main insurance is also called the basic insurance. For example, the safety insurance, water damage insurance and all risks stipulated in the insurance clause on the marine cargo insurance policy are the main types of marine cargo transportation insurance. Or in life insurance policies, our common whole life insurance, endowment insurance and other types of insurance are the main insurance; Riders are those types of insurance that cannot be purchased separately.

People must buy a main insurance policy and attach certain types of insurance in order to enjoy the corresponding protection benefits. Generally, life insurance companies will also have the word "additional" in the name of the product, such as "additional term life insurance", "additional hospitalization allowance", etc.

When you buy insurance, you often encounter the problem of additional insurance, but the specific concept is not very clear. So, let's talk about what it means today to have basic and add-ons!

First of all,Basic insurance refers to insurance products that can be purchased separatelyRiders are not available separatelyMust be added to the basic insurance

The relationship between the basic and rider is that of the main contract and the supplementary contract。The terms of the basic insurance are the main contract, and the corresponding additional insurance is the supplementary contract, and the two are the main and auxiliary relationship. You must buy a basic insurance before you can add additional insurance to enjoy the corresponding protection benefits.

Two words, so it is still relatively easy to recognize. If you don't know how to choose, it is recommended to take a look at this summary:Which insurance is better, how to buy a good deal, and teach you to avoid these pitfalls of insurance

While there are riders that can increase your coverage, here's a reminder that don't rely on this method to get your protection in place. BecauseAn insurance policy covers everything, but it means that nothing is coveredFoot, oneYou get what you pay for, security is protection, financial management is financial management, everyone must be clear!

In general, you should buy insurance according to your actual situation, and don't blindly look at the insurance company to buy, the protection content of the insurance product is the first, so as to meet your own protection needs.

That's all I've got on the issue, I hope it helps!

Hope!

Primary insurance, also known as basic insurance, refers to the insurance that does not need to be attached to other insurances and can be independently underwritten. The counterpart to this is the rider. 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. People must buy a main insurance policy and attach these types of insurance in order to enjoy the corresponding protection benefits. Generally, insurance companies will also have it in the name of the product"Add-on"Two words, such as:"Term life insurance attached"、"Additional hospitalization allowance"Wait.

The main insurance can be purchased separately, and the additional insurance refers to the 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 expiration, etc., the effect of the additional insurance will also be terminated or suspended.

First, the main insurance and the additional insurance are a relative concept.

Primary insurance refers to the type of insurance that can be purchased separately.

Rider is relative to the main insurance and as the name suggests, it refers to an additional contract that is attached to the main insurance contract.

It cannot be insured separately, and the main insurance must be purchased before you can purchase a rider.

Second, the difference between the main insurance and the additional insurance.

Generally speaking, the main insurance coverage period is relatively long, the premium is relatively expensive, the insurance premium paid by the additional insurance is relatively small, and the existence of the additional insurance is premised on the existence of the main insurance and cannot be separated from the main insurance.

Rider insurance refers to the type of insurance that cannot be insured separately and can only be attached to the main insurance, and when the validity 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.

3. Important Notes.

When buying insurance, don't pay too much attention to whether it's a main insurance or a rider. Any type of insurance may be designed by the insurance company as the main insurance or additional insurance, and consumers should read the insurance terms and responsibilities clearly when purchasing insurance.

(1) The main insurance refers to the type of insurance that can be insured separately, and the 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 expiration, etc., the effect of the additional insurance will also be terminated or suspended.

The main insurance usually refers to both insurance, which is simply survival and death, and additional insurance is only other insurance in addition to survival and death, such as: accident insurance, serious illness insurance, pension insurance (hospitalization allowance, medical insurance, etc.).

The liability of the main insurance and the supplementary insurance are superimposed, that is, the insurance liability of the main insurance, plus the insurance liability of the additional insurance, is the protection provided by the entire policy.

However, the main insurance and the additional insurance have a heavy affiliation relationship, that is, the additional insurance can only be effective if the main insurance is valid, and if the main insurance fails, the additional insurance will also become invalid accordingly. However, the rider can be cancelled separately, and the liability of the main insurance will not be affected.

1) The main insurance refers to the type of insurance that can be insured separately, and the additional insurance refers to the type of insurance that can not be insured alone, but can only be attached to the main insurance of Changna, and when the effect of the main insurance is terminated or suspended due to invalidity, termination of the early state contract or expiration, etc., the effect of the additional insurance will also be terminated or suspended.

The main insurance usually refers to the combination of insurance, simply put, survival and death, and the additional insurance is only other insurance in addition to the survival and death, such as: accident insurance, serious illness insurance, pension insurance (hospitalization allowance, medical insurance, etc.).

The liability of the main insurance and the supplementary insurance are superimposed, that is, the insurance liability of the main insurance and the insurance liability of the additional insurance are the protection provided by the entire core insurance policy.

However, there is a heavy relationship between the main insurance and the additional insurance, that is, if the main insurance is valid, the additional insurance can only be effective, and if the main insurance fails, the additional insurance will also become invalid. However, the rider can be cancelled separately, and the liability of the main insurance will not be affected.

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

The following is the difference between additional insurance and main insurance: 1. Compared with the main insurance, additional insurance refers to the additional contract attached to the main insurance contract, which cannot be insured separately, and the main insurance must be purchased before purchasing additional insurance; 2. The main insurance refers to the insurance coverage 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; 3. When the main insurance is terminated or suspended due to invalidity, termination or expiration, the validity of the additional insurance will also be terminated or suspended.

If there is a limit, the sum insured of the rider cannot be higher than the sum insured of the main plan. And you must participate in the main insurance before you can add additional insurance.

1. Different in nature

The main insurance can also be called basic insurance, which can be underwritten and purchased separately; The rider cannot be underwritten or purchased separately, but can only be added to the main insurance.

2. Different roles:

The risk of coverage borne by the main insurance is generally relatively large, while the risk of coverage borne by the additional insurance is relatively small.

3. The term of the policy is different

The coverage period of the main insurance is generally not fixed, and it can be short-term or long-term; The coverage period of the rider is generally short-term.

1. The main insurance can be insured separately, and the additional insurance can only be insured on the main insurance.

Second, 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. Riders are less expensive, but they don't make a small difference.

Therefore, it is necessary to choose a rider insurance at the same time as the main insurance.

Whether it is the main insurance or the additional insurance, as long as it meets our needs and is suitable, we can consider buying it.

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