The student asked if the insurance was for my own safety, and if the insurance could be value added?

Today's life insurance can be roughly divided into, consumer insurance, savings insurance, investment insurance, consumer insurance is some accident insurance, health insurance-based insurance, the premium is not returned, the insurance amount is relatively high, is the most basic type of insurance.

Savings insurance refers to some of the long-term insurance on the market, such as endowment, both insurance, equivalent to a long-term savings process, the insurance company uses the premiums you pay to make some stable investments, and pays dividends to customers every year, dividends can effectively resist inflation, and at the same time, customers can also obtain benefits and share the operating results of insurance companies.

Investment insurance refers to universal insurance and investment-linked insurance, which are products that combine insurance protection with investment accounts, in simple terms, investment-linked insurance = **+ life insurance, because it is an investment account, the customer bears his own risk.

The function of insurance: capital preservation, steady earning, tax avoidance.

I can tell you very clearly that it definitely adds value

But insurance is divided into two categories, one is term insurance, which is definitely earned.

In addition, there is short-term accident insurance, which is safe and secure, but it is consumer-oriented.

It depends on the type of insurance you buy. Accident medical insurance does not have value-added and is consumer insurance. Critical illness insurance is protection insurance.

For example, if a person pays 2,000 yuan for insurance, it is 100,000 yuan, and if he gets sick in the second year, he will pay 100,000 yuan. Pension insurance and investment insurance can be regarded as value-added insurance. Because there is an investment income, of course, it is possible to lose money.

It is related to the form of the economy, and it is also related to the strength of insurance companies.

Nowadays, many people are insured for investment and financial management in addition to safety considerations. There is a saying that the order of investment and financial management should be: current - term - insurance - ****.

A friend of mine bought two life insurance policies, one of which was 100,000 yuan, and asked to pay 5,000 yuan a year for 20 years. There are dividends every year, as if there will be a big dividend in 20 years. I asked, and the bonus is definitely higher than the bank interest.

In the event of accidental death within 20 years, the compensation will be tripled.

Therefore, if you have a certain amount of spare money, buying insurance is a good way to manage your finances. In addition, if you often fly or go to more dangerous places, you can consider buying a life insurance policy or something, and the beneficiary writes about his parents or children to add a layer of security to their lives.

Nowadays, insurance companies have guaranteed interest rates, which are more cost-effective than depositing in banks, but it is impossible to make money by taking the insurance test.

It is necessary to report the case to the insurance company, and the insurance company will make a claim in accordance with the provisions of the policy after acceptance.

Since the insurance contract is in your hands, I can't analyze it in detail, so you should read the policy carefully and follow the procedures required by the policy.

Just call 95511 to report the incident. The rest should be written by the insurance company.

First of all, according to the latest accident insurance business standards, after July 1, 2010, the school cannot be insured as an insured student to take out Ping An insurance.

And the insurance company must provide the student with an insurance policy.

The premise is that the money for this insurance is not from the student. If the school pays for the liability insurance, it is different. Then you have to ask the school what kind of terms are signed and what the amount of insurance is.

Finally, it's hard to say about the insurance premium, and what you said upstairs isn't entirely true.

It can't be so cheap. Up to 10,000 per person. The average is five dollars per person. As far as I know, the cheapest insurance, fifty dollars per year. Fifty thousand.

Amount of insurance per student:

6000 yuan.

The accidental medical expenses of Chinese Life Insurance are only reimbursed within the scope of medical insurance.

More than 1,800 cat bites were used, apparently using imported vaccines and drugs such as immunoglobulins. These are non-Medicare medications.

MRI can be claimed, in Chinese life is claimed, I believe that the same is true, but the procedures must be complete. Specifically, you can ask Ping An's claims department, they will handle it, but I don't know if there is compensation for physiotherapy, you go and ask the claims department?

I think I can be reimbursed. Ask your teacher!

Be. Student safety insurance also belongs to group insurance, re-set the insurance plan and rate, a one-time payment of 7 years of premiums is not in line with the provisions of the insurance company, the current vaccine drugs are self-paying, the premium is voluntarily paid by students, so a one-time development of a 7-year insurance plan is not suitable and does not conform to the actual situation, the group accident insurance terms generally have provisions on the scope of medical expense reimbursement;

On the other hand, generally speaking, it is generally paid once a year or a semester, and the school is the insured party for the student, unless the school has a separate agreement with the insurance company.

The full name of Xueping Insurance is "Ping An Insurance for Primary and Secondary School Students", which is a kind of personal accident insurance, which is a commercial insurance type that insurance companies provide protection for various risks during students' schooling, and it is also the most common insurance for children in China in recent years.

At present, there is little difference in the rate and terms of the school insurance in the market, generally including the most basic protection such as accidental injury, death from illness, accidental medical treatment, hospitalization and medical treatment, and the insurance period is one year, and non-school time such as winter and summer vacations can also be covered, ranging from tens of yuan to more than 300 yuan. The most common insurance is 100 yuan per insurance, and the maximum insurance amount in the event of a personal accident is 50,000 yuan. The claim procedure of Xueping Insurance is also relatively simple, as long as the information is complete, offline outlets and online platforms can make claims.

Insurance claims. In the event of death or disability within the scope of insurance liability during the validity period of the insurance policy, the insured or its beneficiary shall apply to the company for payment of insurance benefits through the insured unit and provide the following documents:

1. Insurance documents and certificates of the insured unit;

2. In the event of the death of the insured, a death certificate shall be provided;

3. When the insured is disabled due to accidental injury, he or she shall provide a certificate of disability issued by the hospital. After receiving the application, the company will pay the insurance money according to the regulations after investigation and verification.

If no application is made after two years from the date of the accident, it will be regarded as an automatic waiver of rights.

Generally, it is paid once a year or once a semester, and it is purchased by the school as the insured party for the student, unless the school has a separate agreement with the insurance company.

Group accident insurance is purchased once a year, and the insurance company will re-set the insurance plan and insurance rate according to the past payment situation and the policyholder's requirements. Student safety insurance is also a group insurance, and on the issue of rabies vaccine, at present, vaccine drugs are self-paying, and the premium is paid voluntarily by students.

Generally speaking, group accident insurance is purchased once a year, on the one hand, the insurance company will re-set the insurance plan and rate according to the past payment situation and the requirements of the policyholder; On the other hand, companies or groups that purchase insurance can also re-select insurance companies or request new plans according to the actual situation, such as changes in risks, so it is not appropriate and unrealistic to formulate an insurance plan that applies to 7 years at one time.

Student safety insurance is also a group insurance, which is purchased by the school as the insured party for students, and the premium is paid voluntarily by students, generally once a year or once a semester, and a one-time payment of 7 years of premiums is not in line with the regulations of the insurance company.

In addition, regarding the rabies vaccine, the group accident insurance clause generally stipulates the scope of reimbursement of medical expenses: it is limited to the scope of social insurance drugs, and the current vaccine drugs are self-paid and do not belong to the scope of reimbursement, unless the school and the insurance company have other relevant agreements.

The student insurance you buy should be paid once a year, not seven a year. If you are bitten by a cat or dog, you should only accompany you to hang the cost of anti-inflammatory water, and the vaccine is not reimbursable.

This seems to be a matter of procedure.

The most important thing is to find out how the school buys the insurance, if it is as the insurance company says, then the insurance company is indeed not responsible, in this case, you have the right to ask the school to explain, because their way of charging is deceptive and misleading.

It's the school's responsibility, isn't it? The school buys it every year, for example, short-term insurance is 100 yuan and one insurance is for one year. The maximum life support is 50,000 pieces.

The school asks you to pay for 7 years and then buy insurance year after year, I really don't know how the school does it to fix your parents like this. It's better to buy a Corning for your child for the rest of your life, eh, tragedy.

No, I think you've been fooled.

In fact, Zhiying Life is a good product, commonly known as universal insurance, basically your needs are included.

According to the annual payment of 6,000, the critical illness and death benefits are 120,000, 10,000 accidental medical treatment, of course, these can be redesigned according to your own needs. This product also has a dividend function, now the bank's interest rate is only how much, the current interest rate of all Ping An dividend products is, this interest rate is also not fixed, there are higher than this number, there are also low times, but the minimum shall not be lower, the sooner you pay now to your 65 retirement, the more money you get in hand, you can do your pension to use.

Simply put, rotten.

The dividends are less, and the protection is less.

If I want to do the same type in a classmate.

Let him do a dividend + critical illness double insurance.

It is divided into two main insurances.

Just use one more policy.

Recommended point professional insurance.

That product has no bright spots at all except for the discount rate.

The discount rate has nothing to do with the customer.

It's just a little bit more commission.

This type of insurance is generally not sold before stopping.

It's not that I slander this.

It is better to have a universal insurance for any company than to do professional insurance separately.

You can go and ask.

One person is insured in 10 seconds?

Are you kidding.

The domestic market has long been exhausted by Ping An.

What else do other companies open.

Ping An's Zhiying Life Universal Insurance will be discontinued on May 31, this insurance is now more than 6,000 per year, its minimum guaranteed interest rate has, there is no upper limit, but this income depends on the strength of the company, there are two major protections for personal and critical illness, which can be 100,000 personal and biological insurance.

Universal insurance is a good product. There is a minimum income that takes into account both protection and income.

The return of investment-linked insurance is a little better than that of Magnum, but there is no minimum return, and the risk factor is large.

You should choose the type of insurance and the amount of coverage according to your actual situation. Buying insurance is buying protection, not buying products.

There are too many trusts in it, it is recommended to combine the actual situation of yourself and your family, first give the family's economic pillar insurance, otherwise how to pay the premium if there is no income, and then mainly focus on serious illness and pension, and the insurance income is like that!

The right one is the best.

If you choose low premium and high protection: Xinsheng If it is used for protection and pension: Xinxiang is better. The cost is also not high.

Of course, Zhiying is indeed a good product You can take a look at the introduction.

I despise that anonymous netizen very much, Ping An Zhiying Life in 2010, one person was insured every 10 seconds! How can it be a rotten product? Landlord, it is recommended that you search for "Zhiying Life" in it, which is good and which is bad, and you will find out when you check it!!

A safe and intelligent life"It's a good product! I'm sure your classmates are right.

There is no such thing as the best, only the most suitable one, and if you are a professional then you can trust him to provide you with a plan that suits you.