I want to buy insurance. Please advise

It's easy to deal with, this is no problem at all, after all, there are a lot of people who work in different places, and if you can't handle it even in a row, then the insurance company won't open it.

As for the fact that you want to buy insurance for your father, you have to think about it.

Insurance products in the market today are broadly divided into accident, health, children, pension, and financial management.

Pension This is a little similar to the pension in social security are old retired enjoy but I think this kind of commercial pension insurance is much better than social security at least the money paid in can be all taken back and the money in social security depends on the survival time If someone is unfortunate enough to die at the age of 70 The insurance company will compensate for the death benefit (in addition to the principal can also earn a sum) And the social security institution will not compensate If your father did not pay social security, I still recommend it.

Health, as the name suggests, is a kind of insurance for whether it is healthy, such as being sick, hospitalized, having surgery, etc., but I personally do not recommend it, because I don't care about minor illnesses, the probability of major illnesses is low, and the premium of this insurance is high, the amount of insurance is low, and the payment time is long, of course, you can increase the amount of insurance and reduce the payment time, but the premium will be higher, and you can find out for yourself the specific situation.

Kid: Oh, don't talk about it.

Financial management is highly recommended by individuals There is a universal insurance that is boiling in the insurance market, which is very good and powerful, the amount of insurance is determined by itself, the premium is determined by itself, the payment method is determined by itself, and various types of accidents and health insurance can be attached After another 5 years, you can take out the money and use it Unlike traditional insurance, the money paid in cannot be taken out unless you are sick or have an accident or it is due.

In this case, if you buy insurance, there will be an upside down, and the premium is relatively not cheap; There is also the problem of not knowing his personal habits, if he has alcohol, he will buy the type of insurance that can be claimed by drunk driving, after all, buying insurance is to pass on the risk.

Yes, the Chinese life is national. There is no impact on buying in **. I'm from Hebei, but I bought insurance in Beijing. Impervious. You can find out. I'm not from an insurance company, though.

Hello! It is recommended to improve your social security first, and then consider supplementing suitable commercial insurance.

Generally speaking, for adults, the risk of accidental injury and medical health needs to be considered first, so you can choose some regular life insurance protection, add necessary critical illness items, and then add some hospitalization medical insurance.

Therefore, it is recommended that you should be able to provide some of your above-mentioned personal information more accurately, so as to facilitate the recommendation of a more suitable protection plan for you. Alternatively, you can also combine your actual situation and go to some professional consultation channels to compare consultation appointments with specific insurance types.

You can take a look at: How to buy insurance at different stages of life.

Finally, I would like to give you a general introduction, which I hope can provide you with some useful references. For individuals, the best protection plan is to first improve the appropriate social security system for themselves, and then supplement themselves with the necessary commercial insurance on this basis. For the improvement of commercial insurance, please first consider consumer-oriented accident insurance and medical insurance, in fact, critical illness insurance and pension insurance, which are more expensive.

There is no problem with this combination, all the benefits that should be available are in place, there are critical illnesses, hospitalization reimbursements, and accidents.

If you haven't been insured earlier and want to try, there is no problem with the combination, although the critical illness insurance is only 80,000, it can still play a certain role.

Although some people feel that critical illness dividend insurance is not suitable, because you are 38 years old and have a long time in the future, it is also good to increase the effectiveness of future claims by paying off the increase amount.

Forget it. Dividend insurance is not cost-effective, with high fees, low returns, and poor liquidity.

The premiums of the riders are too expensive. You can choose from each insurance company separately without having to buy it all on one insurance policy. It's not a good deal either.

Critical illness is critical illness, and it is not cost-effective to buy it together with participating insurance.

The combination of Ping An looks quite fancy, and it doesn't mean much.

Hello, whether it is suitable depends on your personal situation. If you don't know anything about your situation, how can you tell if this insurance is right for you?

The main purpose of you to buy this insurance should be that the coverage amount for critical illness is low, and it is best to choose some critical illness insurance that dividends on the coverage amount, that is, the protection is increasing every year, because the fixed amount of protection seems to be high this year, and it may not be enough in a few years, and you had better pay attention to the type of critical illness protection.

Those additional surprises are short-term and you can buy them separately without having to put them all together.

There is no suitable insurance only suitable for you Buying insurance is a long-term plan So you should plan according to your actual situation The right insurance is the protection for you and your family The insurance that is not suitable is a redundant waste But the variety of insurance is diverse The insurance itself is good.

1. It is recommended that you pay social security first, because social security is stipulated by the state to pay, even if you reach retirement age later, you can receive a monthly pension, and there is maternity insurance in the social security, you will be pregnant in the future, and there will be maternity insurance reimbursement when you give birth, so social security is guaranteed.

If you have a local hukou, you can participate in the insurance as a freelancer in the place where your hukou is located. If you have a household registration in other provinces, you must be helped by the unit to participate in social security. Your current employer does not help you participate in social security, you can participate in the insurance as a freelancer, and then you change to a new job, and then enter the unit to renew, because social security can not be paid, to retire when the social security is less than 15 years, can be paid.

After doing all of the above, commercial insurance is considered. Commercial insurance is not deceiving, most buyers are not very clear about the terms of commercial insurance, thinking that if there is an illness, you can make a claim. Commercial insurance is based on the type of insurance you buy to settle claims, and different types of insurance have different claims status.

It is recommended to still choose social security to meet your insurance needs, because social security is a kind of national welfare after all, and commercial insurance is still a commercial behavior with profit as the highest goal. In addition, social insurance in Zhongshan cannot be purchased in the name of an individual, so it is recommended to negotiate with the company about the number of reports and purchase insurance by paying the premium.

1.Social security is a right that a person should enjoy, is an obligation that the unit must fulfill, this for the average person, the daily medical needs of social security can basically be met, you can negotiate with the company, to make up for you social security, or change a unit that can pay social security for you;

2.Commercial insurance is insured according to personal wishes, in the current Chinese market environment, it is often easy to insure, difficult to pay, deceive people is not deceiving, but you see the terms clearly, but the general personal understanding of compensation is often not as accurate as the insurance company's cognition, so there is a problem of difficult to pay when the insurance company is in danger.

Are you a ** person? Social security and commercial insurance have their own strengths, there are regional differences, if you are in Beijing, I can explain to you, I am not very familiar with other regions.