What problems should Xiaobai pay attention to when buying insurance, and what should he buy?

1. Types of insurance

Insurance can be divided into two main categories: property insurance and life insurance.

Property insurance, simply understood in layman's terms, is used to protect everyone's property, such as cars and real estate, and if these things suffer accidental losses, the insurance company will compensate them;

Life insurance, on the other hand, is used to protect our body, and if our body and life are damaged, such as illness, disability or death, the insurance company will compensate us.

The insurance we usually buy for ourselves and our families is mainly life insuranceLife insurance mainly includes life insurance, health insurance and accident insurance.

2. What insurance should I buy first?

1. Risk of serious illness:

Medical insurance and critical illness insurance are required. Medical insurance is used to reimburse some of the high medical expenses; Critical illness insurance pays money to cover medical expenses, expenses during recovery, and household expenses during the period when you are unable to work.

2. Accident risk:

You need to have accident insurance and medical insurance. Medical insurance is used for reimbursement of medical expenses, although accident insurance also has accidental medical reimbursement, but the amount is too small, if it is a serious accident, it does not play a big role, so medical insurance is still needed;

The money paid out by accident insurance is used to supplement what medical insurance does not cover and to protect yourself and your family in the future.

3. Risk of death:

You need to buy life insurance to protect your family's future life. The breadwinner of the family needs to be equipped with a term life insurance policy to protect it until retirement, and children and the elderly do not need to be configured. Life insurance embodies love and responsibility for the family.

To sum up, in summary, the priority purchases are: critical illness insurance, medical insurance, accident insurance, and pure protection life insurance.

Now that you know what insurance to buy, let's take a look at what you need to pay attention to

>>> which insurance is better, how to buy a good deal, and teach you how to avoid these pitfalls of insurance

Third, Xueba said that the summary is guaranteed

Finally, the senior sister would like to say that at the beginning of contact with insurance, it may feel complicated, but after familiarizing yourself with some knowledge, you will find that it will be much easier to choose and buy insurance.

Therefore, don't underestimate insurance knowledge, mastering this knowledge can be said to be halfway to the success of buying insurance.

Senior sister hopes that everyone can learn insurance knowledge and buy the right insurance.

A one-time gift to you.

It's not easy to configure insurance, there are quite a few things to pay attention to, and it just so happened that I sorted one out before"A collection of key knowledge points that must be understood before buying insurance!》

I suggest you take a look. Let me pick a few precautions to talk about briefly:

1.Choices about premiums and sum insured.

Determining the right amount of coverage and premiums requires an analysis of your family's financial situation. You can refer to this standard as follows: the premium is set at 10 times the annual income of the family, and 10 times the guaranteed annual income. Don't let the exorbitant premiums affect your normal life.

2.How to arrange the appropriate order of insurance for family members?

Insurers for family members should be emphasized, with the order of adults first, then children, and then the elderly. Insurers for family members should be emphasized, with the order of adults first, then children, and then the elderly. Therefore, the breadwinner of the family economy is the focus of the family's allocation of insurance.

3.Can insurance only be purchased from the same insurance company?

It is not right to smash the products of one company, and it is necessary to compare multiple companies. It is rare for the same company to have excellent insurance for all types, so it is necessary to shop around for insurance. Here's a copy I just put together"2020 Critical Illness Insurance List".

It has already helped you compare the excellent products of various companies, and it is recommended that you take a look.

Buying insurance is a common thing, and almost every family has it. Insurable terms are often our biggest headaches. Because there are a lot of insurance clauses, some of them are not easy to understand. Therefore, we must pay attention to the following points when purchasing insurance:

Clause. 1. Look at the terms of insurance: If people want to accurately understand the content of insurance before buying insurance, they must look at the terms of insurance. The insurance clause is the core content of the insurance contract signed between the insurance company and the consumer, which stipulates the rights and obligations contained in an insurance. Clause.

2. Look at the insurance liability of the insurance clause: In addition to the payment of fees and other items, the key content of the insurance clause is the insurance liability. Generally speaking, except for insurance liability, the other contents of the insurance clause are basically the same, and the distinction between various types of insurance is mainly in insurance liability.

Of course, sometimes it is also necessary to look at the exclusions, to see under what circumstances the insurance company can not be liable for compensation and payment;In some cases, it is also necessary to look at the regulations and notes that are unique to certain insurance products. Clause.

3. Look at the introduction of insurance products: Many people often can't understand the terms of insurance, so the most popular way to read the written materials is to read the introduction of insurance products. Since the insurance product profile may sometimes contain inaccurate expressions of packaging and beautification products, it is best to understand it in comparison with the insurance terms after understanding the insurance profile.

Clause. Fourth, understand the payment and receipt of money: The core content of insurance that people need to understand is to pay and receive money. This includes three aspects:

One is how much money to pay and how much money to receive in the future;The second is the time and method of payment, the time and method of receiving money in the future, such as how long, one-time or installment, etc.;The third is the conditions for receiving money, such as under what circumstances you can receive money, under what circumstances you can't receive money, and so on. Clause.

Fifth, the understanding of the content of the implementation of the text: not everyone can understand the text on their own, so if you want to understand insurance, the most direct way is to understand the salesman to introduce insurance. There is only one key point at this point:

Write down what you have learned one by one, and find the corresponding part of the insurance clause one by one to confirm it. Clause.

6. Fill in the insurance policy truthfully and sign it in person: There are many contents to fill in the insurance policy, including some privacy content. Whatever it is, be sure to fill it out truthfully and sign it in person at the end.

Otherwise, the insurance company may refuse to pay or pay the insurance benefits on this basis in the future. Clause.

7. List comparison: If you feel overwhelmed by the amount of information you need to know about insurance, you may wish to list the features and advantages and disadvantages of each possible plan and compare them. The list is simple, you can start by listing a few features of each plan, a few advantages, and then a few disadvantages.

Clause. 8. Find the most trusted person to buy insurance: Due to the complexity of insurance products, many people cannot distinguish the good and bad of various options in a short time, so the most convenient way is to find the most trusted person to buy insurance. Insurance buys protection, not pitfalls.

Therefore, when we buy insurance products, we must keep our eyes open to prevent being deceived.

Although insurance is something that we can't see or touch, and it only works after we have misfortune, it is undeniable that we need insurance.

But now most people are still relatively unfamiliar with the concept of insurance. When purchasing insurance, it is only a one-way way to accept the opinions of the insurer, and you cannot judge independently. At this time, it is easy to fall into the pit dug by **people, and if you encounter ** people who recommend the following two types of insurance to you, you must be careful.

Universal Insurance

In addition to providing life protection like traditional life insurance, universal insurance can also allow customers to directly participate in the investment activities of the insurance company, and the income is linked to the performance of the policyholder's investment account funds operated independently by the insurance company. To put it simply, you can get protection and enjoy investment income, and the investment has a guaranteed return. Doesn't that sound very tempting?

However, if you want to protect yourself and your family from risks, you must be careful not to buy this kind of insurance. Universal insurance is not mature in the domestic market, and often does not play a role in risk protection, and the investment income is not as high as that of real wealth management products. For example, if you unfortunately suffer from a critical illness and need to spend 300,000 yuan, but the insurance amount of universal insurance is only 100,000 yuan, which does not play a role in risk protection at all.

However, if you use this money to buy special critical illness insurance, the insured amount may be able to buy 500,000 yuan, which is a good risk prevention.

Participating insurance.

Participating insurance refers to a kind of life insurance in which the insurance company distributes the distributable surplus of the previous fiscal year to customers in the form of cash dividends or value-added dividends in a certain proportion after the end of each fiscal year.

Participating insurance is also a product that integrates protection and financial management, and compared with universal insurance, the advantage of participating insurance is that you can enjoy the annual dividends of the insurance company. But this premise is that the insurance company has a surplus in the previous year, and if the insurance company is a loss in the previous year, then don't mention any dividends.

And there is a major disadvantage of participating insurance is that although it can freely choose the dividend ratio, it is related to the previous premium, the higher the premium, the more the dividend proportion will be. If you pay a premium of 5,000 yuan, then you will only get a few hundred yuan in dividends a year, and for most people who buy insurance, this is not cost-effective at all.

In addition, the protection period of participating insurance is long, and it cannot be surrendered halfway, otherwise you will have a big loss.

Baibaojun Class Notes:

As far as China's insurance market is concerned, because the insurance companies themselves do not have a thorough understanding of these two types of insurance, there are many claims disputes. We buy insurance for risk protection, these two kinds of financial insurance can not provide sufficient protection, if you want to get comprehensive risk protection, you must be cautious when buying.