Which rate is larger in the insurance, the basic insurance or the additional insurance, and why

Oh, I can't help you with this question, only on the premise of insuring the basic insurance, you can add additional insurance, and there is no rate for additional insurance. I'm talking about property insurance!

I don't know if you're asking about the price or what?

In the previous mainland insurance market, only life insurance (now there are specialized health insurance companies) adopted: basic insurance (life insurance) + additional insurance (health accident insurance) form.

In fact, the policyholder is still more at a loss, because the basic insurance rate is high, and the compensation is low (generally after 20 or 30 years, or the person is not giving it to future generations), and the loss rate for health accidents is high (people will always get sick and have small accidents).

As for the reason: life insurance is equivalent to a fraction of the deposit (usually decades later), and health insurance (surcharge) is generally reimbursed, similar to social security and rural cooperative medical care.

The basic insurance you are referring to is the main insurance, which is relatively higher than the additional insurance.

What kind of insurance do you have? How can there be such doubts?

What is the difference between the main plan and the rider?

1. The so-called main insurance refers to the insurance that can be insured separately as specified in various clauses, and the main insurance is also known as 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.

2. Additional insurance:

Riders are relative to the main insurance (basic insurance) and as the name suggests, it refers to an add-on 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. Generally speaking, the premium paid for additional insurance is relatively small, but its existence is premised on the existence of the main insurance, and it cannot be separated from the main insurance to form a more comprehensive type of insurance.

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.

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.

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, reed maintenance and destruction 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.

If you need to consult Ping An Insurance's hail related business, Ping An Life can call 95511-1, Ping An Auto Insurance, Property Insurance, Accident Insurance can call 95511-5, and Ping An Pension Group Insurance can call 95511-6 for consultation.

In general, the main insurance and the rider insurance.

The characteristic is that the main insurance is the main liability, and some can be purchased separately, while the additional insurance cannot be purchased separately and must be attached to a main insurance before it can be purchased. In addition, the premium of the main insurance is usually more expensive, and the additional insurance will be very cheap, so there is usually a proportion limit between the main insurance and the additional insurance, which is also to reduce the risk cost of the insurance company for the additional insurance.

Additional insurance is a kind of insurance attached to the main insurance contract, which cannot be insured separately, and the main insurance must be purchased before purchasing additional insurance. Generally speaking, the premium paid for the additional insurance is relatively small, but its existence is premised on the existence of the main insurance and cannot be separated from the main insurance. People must buy a main insurance on the premise of attaching certain types of insurance in order to enjoy the corresponding protection benefits.

The main insurance is an insurance product that can be purchased separately, also known as basic insurance, even if there is no additional insurance, or the additional insurance has expired, the main insurance also has a protection function.

What to pay attention to when making a claim for the main and supplementary insurance.

Generally speaking, after the consumer has made a claim for the main insurance, the protection content of the additional insurance has stopped, and the compensation cannot be continued. As a simple example, a critical illness insurance with death benefit, after the critical illness claim is settled, the death benefit will be invalid and you will not be able to get a penny. Of course, after the additional insurance is claimed, the protection of the main insurance is still valid, so it is best to claim the main insurance after the additional insurance is claimed.

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!

Wow spine. The basic insurance is what we call the main insurance, and the relationship between the main insurance and the additional insurance is like the relationship between a general and his own troops!

How should the main insurance be understood, you listen to me tell you, the insurance is guaranteed for life. Guaranteed for 20 years. There are people who receive money every two years! These are all decided by the main insurance, and the common denominator of the main insurance is protection, only to protect the death of the elderly!

Then there are the riders, which can be attached to each of the main plans! The so-called insurance management hospitalization or something is actually the role of additional insurance, additional insurance is divided into several kinds, there is hospitalization, there is accidental medical treatment, can be attached to the main insurance, can not be purchased separately, can only be attached to the main insurance, so called additional insurance, the main insurance can be bought separately, additional or not additional insurance can be, but additional insurance can not be purchased separately, you must buy the main insurance to add the attached sparrow infiltration insurance, so do you understand?

Hope it works for you!

Hello, the insurance premium refers to the cost paid to the insurer when the insured participates in the insurance according to the insurance rate set at the time of insurance. The premium rate refers to the proportion of the insurance premium calculated according to the amount of the waiter's insurance. Renxiang is full of risks, and buying accident insurance to avoid risks is a good choice for Minqing.

Auspicious Year Comprehensive Accident InsuranceIncludes accidental death, disability and accident medical insurance benefits, accidental hospitalization allowance and ambulance expenses coverage;

1. Ordinary accident (death, disability, burn) insurance 100,000 yuan;

2. Aviation accident insurance of 500,000 yuan;

3. Accident medical insurance is 10,000 yuan, and accidental hospitalization care allowance is 20 yuan a day.

To tell you simply, the additional insurance cannot be insured separately, there must be a main insurance, and there is no connection between the main insurance. You can choose one, two, three, any of the mid-term.