What does insurance do? What does insurance do

Insurance mainly has a guarantee function, and its role is mainly to carry out risk planning, provide protection, and rationally allocate funds. For example, medical insurance and critical illness insurance can be used for disease protection, but medical insurance has a wider coverage but can only be reimbursed, while critical illness insurance can not only protect critical illness insurance, but can also be used to make up for the loss of income during illness.

I have made an in-depth analysis of the difference between the role of medical insurance and critical illness insurance, and you can read this article if you need to: In-depth analysis: Which one needs to be bought more?

There are four types of insurance that are really useful: 1Million Medical Insurance. 2.Critical illness insurance. 3.Accident insurance. 4.Term life insurance.

Insurance is a tool for transferring risk, an umbrella that turns an "accident" into an "event".

For an ordinary family, it will generally face these three risks: accidents, critical illness, and large debts. In response to these three risks, insurance companies have also launched corresponding types of insurance:

They are accident insurance, critical illness insurance and medical insurance, and life insurance. Buying insurance is like wearing a seatbelt while driving, not to use it, but to reduce the damage caused by the risk when the risk comes.

Medical insurance is divided into social medical and commercial medical care. Social medical care is what we often call social security, and commercial medical care is a supplement to social medical care, and there are many products to choose from. Social security is a basic security, which is basically covered, and its only defect is insufficient protection.

Insurance must be clear.

Perhaps everyone knows more or less the role of insurance, that is, to avoid risks, but not only to avoid risks, the benefits of insurance are that it can also help us manage wealth and compensate for economic losses.

If you want to know more about the role of various types of insurance, you can read this article directly: What is the difference between critical illness insurance, medical insurance, accident insurance, and life insurance? What is the function.

It is impossible for people not to get sick in this life, and if they are diagnosed with a major disease, they need to spend two or three hundred thousand yuan to treat the disease in a first- or second-tier city, or even about five hundred thousand. If you have already purchased a million medical insurance, minus the part that has been reimbursed by social security, most of the remaining medical expenses can be reimbursed by the million medical insurance.

Paying a premium of a few hundred yuan a year can leverage millions of insurance amounts, relieve us of a lot of pressure, and don't have to worry about huge medical expenses for serious illnesses. It is also appropriate to think of it as a "life-saving insurance". In addition, in addition to basic protection, some million medical insurance plans will also provide some more practical value-added services such as:

Medical advances, green medical treatment, purchased drugs, etc. If you want to know about good products, you might as well take a look at this article: Top 10 Million Medical Insurance Rankings are newly released!

If you buy medical insurance, most of the medical expenses can be reimbursed later, but for most people who suffer from critical illness, it is difficult to continue to work during the period, so one of the functions of critical illness insurance is to compensate for the loss of income. When unfortunately diagnosed with a critical illness, the insurance company will give the insured a claim according to the amount agreed in the contract, and this money can enable the whole family to live normally, in addition to making up for the economic losses we suffer, insurance also has the function of financial management. Due to the prevalence of consumerism in this era, the idea of saving money regularly by controlling material desires is not practical, because annuity insurance has a specific mandatory savings effect, so it can help us save a good amount of money.

From another point of view, with the continuous reduction of interest rates by banks, there may be no income but also losses in the future, with the fixed income of annuity insurance, to avoid negative interest rates and inflation due to the two factors of bank, causing our money to become more worthless. Friends who are interested in annuity insurance products come and take a look at this: Want to buy high-yield annuity insurance?

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It's true that insurance can provide protection, but it's not comprehensive. In addition to being able to transfer risk to the insurance company, it can also help reduce our losses, so that we can go to work and live with more peace of mind, and not worry too much about future risks that will send families back into poverty overnight.

Because of the forced savings, insurance also allows us to actively save a sum of money every year for future children's education or our own pension.

One is the risk of serious illness. It doesn't matter if you have a serious illness, we have money, but the problem is that it costs a lot of money in a short time. Although we have money, we may not have hundreds of thousands of medical cash funds in our accounts anytime and anywhere.

In addition, the risk of serious illness requires not only the problem of medical expenses, but also the problem of living expenses in the future.

The second is the risk of disability. If a person is not disabled as a result of a work injury, who can pay him for life? Not only does it not make money for a lifetime, but it costs a lifetime of money, which is equivalent to the early occurrence of pension.

The third is the risk of living too short. The risk is not a**, it will not happen to us after the money is ready, what if it happens when it should not happen? The absence of a person does not mean that his responsibilities and obligations do not exist, the children still have to be raised, the elderly have to be supported, and the loan must be repaid.

But no unit will pay a salary to a deceased person.

Fourth, there is a risk of living too long. It's good for a person to live to be in his 90s, but what about spending his pension if he accidentally lives to be 80 years old? When people are old and dizzy, and they can't help themselves, it is difficult to ask their children for money, and it is even more difficult to earn money. The longer you live, the more bleak your old age becomes.

In the face of these risks, if you only keep your money in the bank, once you encounter the risk, you may use up all of it to continue. If you need to be well prepared to prevent major risks, why only keep your money in the bank and take huge risks independently? It is a good idea to put a small portion of the money in the bank in the insurance company and pass the risk on to the insurance company that specializes in managing and taking the risk.

The above content is an overview of the various risks that we can encounter in social life, so that we can change and enhance their insurance concept when communicating with customers.

A story that fully embodies the importance of it (insurance), with it and without it, there is a world of difference, without it, we can go bankrupt and go into debt, and with it our lives will not be changed by illness or accidents.

1.Accident insurance. 2.Medical insurance. 3.Critical illness insurance. 4.Life.

Insurance is a tool for transferring risk, an umbrella that turns an "accident" into an "event".

Some people say that insurance is a fraud, and some people question insurance, so what is the use of insurance? The coverage of medical insurance has been relatively comprehensive, but the restrictions of basic medical insurance are also relatively large, only drugs in the medical insurance catalog can be reimbursed, and the reimbursement amount is low. However, as long as you have medical insurance, you can not only reimburse expenses outside of social insurance.

In fact, there are still customers who are concerned, one is tax avoidance,,, the other is financial management.

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Therefore, it is necessary to participate in social insurance through regular employment and become self-reliant workers.

1. Basic medical insurance + supplementary serious illness medical insurance + if you completely lose your ability to work, you can apply for pension insurance disability allowance.

2. Disability allowance + endowment insurance for work-related injury insurance.

3. However, the surviving family members who meet the conditions shall be given a subsidy for living difficulties, and in the case of work-related death, the surviving family members shall be paid living expenses.

Fourth, the basic endowment insurance is guaranteed until the death of the insured, and the standard is raised in a timely manner.

Fifth, social insurance, basic, wide coverage, sustainable, multi-level, is also a good way to share risks, and the first to bear the responsibility. Commercial insurance can be supplemented.

1.Million Medical Insurance. 2.Critical illness insurance. 3.Accident insurance. 4.Term life insurance.

Insurance is a tool for transferring risk, an umbrella that turns an "accident" into an "event".

In layman's terms, it means preventing problems before they happen.

Summary. <>

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The main role of insurance is to provide necessary protection, risk planning, rational allocation of funds, and leverage. 1. Provide necessary protection: insurance can provide protection for common risk factors such as accidents, health, and SI death, which can reduce risk losses and effectively resist risks; 2. Carry out risk planning

Individuals or families can use insurance tools for life planning and transfer possible risks in advance; 3. Reasonable allocation of funds: insurance has a certain amount of investment, and can be passed on by designating beneficiaries, which is a tool for allocating funds; 4. Leverage: Insurance can exchange relatively small premiums for a higher amount of insurance, and with leverage, the insured can obtain better protection.

What does insurance do?

Hello dear, happy to serve you <>

The main role of insurance is to provide necessary protection, risk planning, rational allocation of funds, and leverage. 1. Provide necessary protection: insurance can provide protection for common risk factors such as accidents, health, and SI death, which can reduce risk losses and effectively resist risks; 2. Carry out risk planning

Individuals or families can rent a room to use insurance tools for life planning and transfer possible risks in advance; 3. Reasonable allocation of funds: insurance has a certain amount of investment, and can be passed on through the founder of the designated beneficiary, which is a tool for matching funds; 4. Leverage: Insurance can exchange relatively small premiums for a higher amount of insurance, and with leverage, the insured can obtain better protection.

Insurance refers to the commercial insurance behavior in which the policyholder pays the insurance premium to the insurer according to the contract, and the insurer bears the responsibility for compensating for the property loss caused by the occurrence of the accident that may occur as agreed in the contract, or the insured bears the responsibility of paying the insurance money when the insured dies, is disabled, sick, or reaches the age and time limit agreed in the contract. From an economic point of view, insurance is a financial arrangement for sharing the losses caused by accidents; From a legal point of view, insurance is a kind of contractual arrangement, which is a contractual arrangement in which one party agrees to compensate the other party for losses; From a social point of view, insurance is an important part of the social and economic security system, and it is an "exquisite stabilizer" of social production and social life. From the perspective of risk management, insurance is a method of risk management.

1. As an effective part of the social security system, insurance plays an important role in improving the social security system. On the other hand, insurance provides multi-level protection services for the society through flexible and diverse products.

2. Insurance companies have professional knowledge of risk management and a large number of risk loss data, which provides strong data support for social risk management. At the same time, insurance companies vigorously promote and cultivate the risk prevention awareness of policyholders; Help policyholders identify and control risks, and guide them to strengthen risk management; Conduct safety inspections and urge policyholders to take timely measures to eliminate hidden dangers; Funds for disaster prevention are withdrawn to fund the purchase of disaster prevention facilities and research on disaster prevention and control.

3. Insurance is to compensate according to the actual amount of loss within the validity period of the insurance and the scope of responsibility and the insured amount specified in the insurance contract when a specific disaster occurs. The insured amount of life insurance shall be determined by the policyholder after consultation with the insured according to the degree of need for life insurance and the policyholder's ability to pay, and if permitted by law.

Insurance is a type of insurance that takes people's life and body as the subject of insurance, which can allow us to deal with accidents and risks in life.

The premise of risk avoidance is to buy the right insurance, if you want to know more, you can check out this article:Dry goods integration understands the truth, why is it just to buy the wrong insurance? Daddy teaches you how to buy insurance to save money

Insurance is to provide for old age, medical treatment when sick, and treatment for accidents. There is something to be left behind for the dead and something to rely on for the remnants. It is not to get rich, but to avoid becoming poor due to unexpected illness and old age. Insurance is not meant to change lives, but to prevent lives from being changed.

1. Transfer risk and share losses equally

To buy insurance is to transfer one's own risk, and the institution that accepts the risk is the insurance company. The insurance company accepts risk transfer because there is a pattern to insurable risks.

By studying the contingency of risk to find its inevitability, grasp the law of risk occurrence and development, and provide insurance protection for many people who have risk concerns.

2. Implement compensation for mortgage loans and investment income

The apportionment of losses is the premise and means of compensation, and the implementation of compensation is the purpose of apportioning losses.

Daddy suggests that friends with conditions can be equipped with 4 major types of insurance to give themselves the most comprehensive protection.

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