Can you talk about how you think about buying commercial insurance?

Social insurance is the social insurance that each unit insures for employees, and it is certainly very useful, but it cannot be used as a substitute for commercial insurance. There is an analogy: in the cold winter, in the house, we may only need to wear a sweater, but if we are going out, we should wear an overcoat.

Social security is equivalent to that sweater, maintaining the minimum protection; Commercial insurance is equivalent to the coat that protects from the wind and rain, which is the guarantee of quality of life.

Many people see insurance as a common commodity, not only to bargain over, but also to wait until the time they need it. This is a fallacy. As a special commodity, it is almost impossible to find a temporary replacement, and it is often too late to think of insurance when there is an accident or illness.

For major diseases that pose the greatest threat to family wealth, social security cannot afford them, and only drugs within the scope of social security can be reimbursed, and it is difficult for social security funds to be transferred to patients' accounts immediately; Commercial insurance is different, as long as the hospital is diagnosed, the funds will arrive immediately, and the scope of medication is very large.

When buying insurance, you must find out the type of insurance. There are many types of insurance, including accident insurance, health insurance, pension insurance, children's education insurance, and so on. If you buy accident insurance and there is a health problem, you will not be able to pay much or even nothing, just like asking a friend for help, and finding the wrong friend for help will definitely not help.

First of all, we need to understand the basic principles of buying insurance, first "buy big and then buy small". This means that adults should buy it first and then children buy it. Because only when adults are secured, the security of the home is strong enough. And the adults must be the family members of this person who bought the head of the family first.

Insurance is different from ordinary commodities, each person and each family faces different risks, sometimes, well-off families may also be in trouble, therefore, the bottom line of family wealth is the most important.

When buying insurance, you should have the order of buying insurance. Generally, we have to buy health insurance first, then accident insurance or pension insurance, and then dividend financial insurance. If you figure out the order of buying insurance, you won't be confused.

Insurance has lost its original essence, it is sold for the purpose of fraud, the insurance company does not deceive you except for the contract, the company is ** from top to bottom, and it is too late for you to understand the contract.

The purpose of buying commercial insurance is:

Do not spend your own money for sickness.

Make sure you can make money and keep it.

Keep the money you've earned and pass it on.

I am worried about running out of money due to accidents, illnesses, and pensions.

Don't drag down your family because of your own risks.

I have made sure that my wealth will be passed on from generation to generation for future generations.

It is more important to buy insurance deduction period in combination with your own economic situation, which quarter of the year is more abundant, it is best to choose this period of time to buy. Because in case of a mid-term surrender, it is very uneconomical, and the loss is also very large.

When buying insurance, you need to find the right insurance marketer. A responsible, professional insurance marketer will explain the type of insurance very clearly and make it easy for people to understand.

The beneficiary of the purchase of insurance should be clearly written, and there will be no dispute between one beneficiary, and if there are multiple beneficiaries, it should be written clearly how much share of the beneficiary is.

Buy five insurances and one housing fund, and then consider commercial insurance if you can't use up the money.

I have bought, the national five insurance and one housing fund, why do the people do not trust commercial insurance, objective facts, treat the purchase of commercial insurance, the policyholder, the insured, must have three to five certificates, in case there is no compensation, lawyer certificate, physician certificate, guarantee to continue the guarantee, at least their own family and friends, the above certificates.

I bought it for 6 years and paid more than 100,000 yuan, and I didn't make a claim. A lawyer is being asked for help.

Insurance does not deceive people, he has the terms and exemptions of the matrix, but there are some salesmen who say that they are light and avoid the important, and they do not explain clearly, first of all, we must understand what you need, and let the latter match.

The threshold for commercial insurance is too high, and not everyone can participate. Too far behind to catch up with.

I didn't understand it before, but now I understand that I can't buy it, I have diabetes.

Focus on the present and plan for the future.

A reliable salesman is very important, as long as it is formal, it is not difficult to settle a claim, and there is definitely a problem with saying that it is difficult to settle a claim.

If you buy the right insurance, you will protect your life, and if you buy the wrong one, you will ruin everything.

If you have money, don't buy commercial insurance.

To have good after-sales service, what use does every fart want him to do, sincerely.

When we have accidents, illnesses and other risks, in the case of meeting the corresponding claim conditions, the insurance company can pay us the agreed insurance money to solve medical expenses and other problems, and to a certain extent, it can reduce our economic pressure, so commercial insurance is reliable. If you want to know more about the benefits of insurance, then I recommend checking out this article: What are the benefits of buying insurance?

A lot of people think too much.

Many people find commercial insurance unreliable, largely because they fear that the insurance company will go out of business and that it will be difficult to settle claims. As for insurance companies, in fact, every insurance company is approved by the China Banking and Insurance Regulatory Commission (CBIRC) and is subject to the supervision of the CBIRC and the constraints of the Insurance Law, so the possibility of bankruptcy is very small.

Even if the insurance company goes bankrupt, our policy will be transferred to another insurance company, and the protection will not be affected. If you want to know more about the bankruptcy of an insurance company, you can poke: The insurance company is bankrupt, what should I do with the insurance I bought?

As for the difficulty of claims, most of them are due to the fact that when purchasing insurance, they did not inform their health, or when they were out of insurance, they did not meet the corresponding claim standards, in fact, as long as the corresponding claim conditions were met, the insurance company would settle the claim normally. Regarding the correct posture for insurance claims, I recommend that you take a look at this article: What are the correct postures that are fast and good for insurance claims?

If you don't lose, you will be on the plate!

If you have a sufficient budget, it is still very good to buy commercial insurance, because many commercial insurance can provide more comprehensive personal protection for the insured, and can transfer the economic risks caused by illness, accidents and other situations, so commercial insurance is still very reliable on the whole, you can consider it.

Of course, everyone's actual situation is different, and the suitable insurance plan is also different, you can refer to the following for the specific plan: How to buy insurance for different ages? Everyone should have their own plan.

In fact, there is not much to do with insurance, and the greasy lies in how to set insurance, claim claims, and assess losses. Mainly lies in the difference between novices and veterans, I briefly talk about commercial insurance, in fact, there are still some things that must be understood, the code word is too tired, I turned it over. How is insurance calculated?

It is mainly calculated according to your vehicle invoice**, and there will also be professional software to calculate it for you, and the one in red is what I explained.

Extended reading: [Insurance] How to buy, which one is better, teach you to avoid these insurance"pits"

Whether it is good to buy commercial insurance can be measured based on the policyholder's own needs and insurance protection interests.

The advantages of buying commercial insurance: you can get a protection, you can pass on your own risks, so that the insurance company can bear the risks and share the accident losses. Like the current commercial insurance, the scope of protection is very wide, including accident insurance, medical insurance, critical illness insurance, life insurance, pension insurance, covering the accident risk, disease risk, pension risk, etc., which may be predicted in our life, so that we can have medical treatment and care for the elderly.

When large medical expenses are incurred, medical insurance can help us reimburse medical expenses and reduce the financial pressure on the family; When a critical illness occurs, critical illness insurance can compensate a large amount of money at one time, so that we can feel at ease and continue our family's life; When we are old, the endowment insurance that we reserve in advance can make our old age life more quality.

The possible disadvantages of buying commercial insurance: there will be a certain financial burden, and annual or monthly payment will also form long-term liabilities. And if you plan to surrender the policy halfway, there will be a lot of losses, after all, after the cooling-off period to surrender the policy, you will not be able to refund the full premium.

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