Is commercial insurance reliable, and is commercial insurance reliable?

Commercial insurance is reliable.

Commercial insurance is the conclusion of an insurance contract and has legal protection. No matter what form of insurance company, whether foreign or Chinese, insurance business in Chinese mainland must comply with the relevant laws of China, and the insurance regulatory commission will regulate the national insurance market and maintain the legal and stable operation of the insurance industry.

According to the Insurance Law, insurance companies engaged in life insurance business may not be dissolved except for division and merger. Even if the business is not doing well, the CIRC will appoint another insurance company to accept the business of the insurance company, and the original interests of the customer will not be harmed.

Social insurance is characterized by low levels and wide coverage. Social medical insurance generally only pays a certain percentage of medical expenses within the specified range, and the rest will be borne by the individual. And the benefit of commercial insurance is to supplement the deficiency of social insurance.

There are many kinds of commercial insurance, but for us personally, insurance consumers can be within their budget, clear their own needs, and buy commercial insurance according to their own budget, so as to ensure that they and their families will not fall into financial crisis due to insufficient social security protection when a major insurance accident really occurs.

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If the employer and the employee believe that it is necessary to strengthen the protection of the employee, it is necessary to purchase commercial insurance; If it is considered that the social security purchased by the employer is sufficient to protect the worker, it does not need to do so. It is not mandatory to purchase commercial insurance, but it is mandatory to purchase social insurance for workers. The employer shall purchase the employee in a timely manner within 30 days from the date of employment.

Article 2 of the Insurance Law of the People's Republic of China The term "insurance" as used in this Law refers to the commercial insurance behavior in which the insured pays insurance premiums to the insurer in accordance with the contract, and the insurer bears the responsibility of compensating for the property losses caused by the occurrence of accidents that may occur as agreed in the contract, or assumes the responsibility of paying insurance money when the insured dies, is disabled, sick, or reaches the age and time limit agreed in the contract. Article 10 of the Insurance Law of the People's Republic of China stipulates that an insurance contract is an agreement between the policyholder and the insurer to determine the relationship of rights and obligations of insurance. The policyholder refers to the person who has entered into an insurance contract with the insurer and has the obligation to pay the insurance premium in accordance with the contract.

An insurer refers to an insurance company that enters into an insurance contract with the policyholder and bears the responsibility of compensation or payment of insurance money in accordance with the contract.

Commercial insurance is equivalent to a supplement to social security. 1. The social security is low, which can only meet the basic security needs, and it is necessary to purchase commercial insurance. 2. Critical illness insurance in commercial medical insurance can be paid if you meet the conditions for claims, which can make up for the dilemma of many families who have no money for treatment.

3. Commercial insurance can choose to purchase a higher sum insured.

Are cars commercially reliable people worse than cars.

Summary. It can be analyzed based on the needs of the policyholder and the interests of insurance protection. At present, people's awareness of insurance has increased, and at the same time they have set their sights on commercial insurance with more comprehensive protection, buying commercial insurance can transfer risks, share losses, compensate policyholders who have suffered losses, and mortgage loans can be carried out under the insurance policy, and some insurance products have both insurance functions and investment value.

But at the same time, some unfavorable factors of commercial insurance are gradually reflected, more obvious in terms of premiums, the premiums of some commercial insurance are very high, some of the elderly disease insurance, the premium burden is large, and the annual and monthly premiums form long-term family liabilities. Surrender of the policy may result in financial loss. Investment income may not be as high as that of a fixed deposit.

Premiums can only be claimed if the conditions are met.

Is business insurance reliable?

Hello, glad to answer for you.

It can be analyzed based on the needs of the policyholder and the interests of insurance protection. At present, people's awareness of insurance has increased, and at the same time they have set their sights on commercial insurance with more comprehensive protection, buying commercial insurance can transfer risks, share losses, compensate policyholders who have suffered losses, and mortgage loans can be carried out under the insurance policy, and some insurance products have both insurance functions and investment value. But at the same time, some unfavorable factors of commercial insurance are gradually reflected, more obvious in terms of premiums, the premiums of some commercial insurance are very high, some of the elderly disease insurance, the premium burden is large, and the annual and monthly premiums form long-term family liabilities.

Surrender of the policy may result in financial loss. Investment income may not be as high as that of a fixed deposit. Premiums can only be claimed if the conditions are met.

Legal Analysis: Reliable. Buying commercial insurance is not only to reimburse and compensate for the expenses you need to bear, if you have a serious illness, commercial insurance can also directly pay a large amount of money to make yourself ** disease.

And there is no reimbursement limit for this expense, and these are all places that social security cannot do. Moreover, you also need to include any expenses you have during your illness, including nutrition, expenses, lost work expenses, etc., if you are sick, then you need a lot of money to continue.

Legal basis: Article 16 of the Insurance Law of the People's Republic of China concludes an insurance contract, and the insurer makes inquiries about the subject matter of the insurance or the relevant circumstances of the insured, and the policyholder shall truthfully inform it. If the policyholder intentionally or due to gross negligence fails to perform the obligation of truthful notification as provided for in the preceding paragraph, which is sufficient to influence the insurer's decision on whether to agree to underwrite or increase the insurance rate, the insurer has the right to terminate the contract.

The right to terminate the contract provided for in the preceding paragraph shall be extinguished if it is not exercised within 30 days from the date on which the insurer becomes aware of the reason for termination. If more than two years have elapsed since the date of the conclusion of the contract, the insurer shall not terminate the contract; In the event of an insured event, the insurer shall be liable for compensation or payment of insurance money. If the policyholder deliberately fails to perform the obligation to truthfully inform, the insurer shall not be liable for compensation or payment of insurance money for the insured accident that occurred before the termination of the contract, and shall not refund the insurance premium.

If the insured fails to perform the obligation of truthful notification due to gross negligence, which has a serious impact on the occurrence of the insured accident, the insurer shall not be liable for compensation or payment of insurance money for the insured accident that occurred before the termination of the contract, but shall refund the insurance premium. If the insurer is aware of the failure of the policyholder to truthfully inform the insurer at the time of conclusion of the contract, the insurer shall not terminate the contract; In the event of an insured accident, the insurer shall be liable for compensation or payment of insurance hardship funds. An insured accident refers to an accident within the scope of insurance liability as agreed in the insurance contract.

Article 17 : Where an insurance contract is concluded and the standard clauses provided by the insurer are adopted, the insurance policy provided by the insurer to the policyholder shall be accompanied by the standard clauses, and the insurer shall explain the contents of the contract to the policyholder. For the clause exempting the insurer from liability in the insurance contract, the insurer shall, at the time of conclusion of the contract, make a reminder sufficient to attract the attention of the policyholder on the insurance policy, insurance policy or other insurance certificate of the banquet car, and make a clear explanation of the content of the clause to the policyholder in written or oral form; If there is no reminder or clear explanation, the clause shall not be effective.

Hello! Commercial insurance is relative to social insurance. Commercial insurance means that the policyholder pays the insurance premium to the insurance company according to the contract, and the insurance company bears the responsibility of compensating for the property damage caused by the accident that may occur as agreed in the contract, or bears the responsibility of paying the insurance money when the insured dies, is disabled, sick or reaches the agreed age and period.

As for the question of reliability, I don't think there's any need to worry about it. This is because insurance contracts are based on trust and are protected by law.

Today's social medical insurance is like the brakes of a car, while commercial insurance is an insurance belt and an airbag, and a complete protection plan needs to be composed of social security and commercial insurance.

Everyone should supplement themselves with appropriate commercial insurance according to their actual situation, after improving the social security, it is recommended to go to some professional network insurance platforms to compare and choose the actual types of insurance.

Whether buying insurance is reliable or not depends mainly on the insurance product you buy and the purchase channel, as long as you buy the insurance through the right channels, there will generally be no problem.

Is commercial insurance really a scam?

The Internet is only a sales channel, but there are no middlemen, so it is cheaper to buy insurance online. Taking Ping An's children's accident insurance as an example, it costs more than 100 yuan to buy 100,000 yuan offline, and more than 60 yuan to buy 200,000 yuan online. They are all products of Ping Anjia, and the channels are different, so the gap is big.

Whether it can be compensated or not, the insurance terms have the final say, and it has nothing to do with the purchase channel.

Insurance is a legal contract, protected by national laws, and the occurrence of insurance accidents is strictly in accordance with the terms of the insurance, just like the judgment of the court. If it is not reliable, then the state launched a social security system, isn't it also unreliable?

Many people think that commercial insurance is unreliable and useless, mainly because they do not know their own needs, buy ineffective insurance products, or because they do not understand their own protection, they buy unsuitable insurance. For example, if you buy accident insurance, but you want to be reimbursed for medical expenses after you are injured, and you buy critical illness insurance but use it to reimburse for general medical treatment, it is not that the insurance is unreliable, but that you have not purchased the insurance you need.

Regular insurance companies are still reliable. Even if you go bankrupt, the insurance liability will be transferred to another company.

Of course, it is reliable, it is approved by the state, but you have to choose some big insurance companies, Ping An, PICC, etc., as long as you look at the content of the terms, otherwise it is easy to be fooled, it is recommended to find someone who knows how to look at it, ask more friends.

Car insurance is still life insurance, and insurance is still relatively reliable.

Commercial insurance is still relatively reliable, and in many cases it plays a role in supplementing social security. For example, when medical expenses are incurred, they can be reimbursed by social security first, and then commercial insurance will reimburse them twice, and compensate for economic losses through some allowances.

For 27-year-olds, if they are not married, the focus of insurance should be on accidents. For insurance financial planning, the first is accident insurance, critical illness insurance, medical insurance, followed by future pension planning pension, if the economic conditions are good, you can make appropriate financial investment planning. If you don't have social security, you can first improve social security, and on the basis of social security, you can first have accidents, critical illnesses (medical treatment, hospitalization, etc.), and then your own pension planning (investment and financial insurance).

There are too many unreliable and disclaimer clauses. The rate is still high, and the salesman is full of lies.

First of all, I must pay social security·· Then consider business.

At present, I have only heard of Anbang Insurance Company being taken over.

Reliable, as long as it's what you need.

Reliability is not an issue.

Regular commercial insurance companies are no problem dropping.

Small problems are okay, but major problems are never reported, unless you sue the insurance company.

Commercial insurance is corresponding to social insurance, and the social security we usually pay is basically to cover the usual outpatient medicine and the like, if you accidentally have a serious illness, you will not be reimbursed much at all. Below is the definition of commercial insurance.

Commercial insurance is a type of social security supplementary insurance that can cover the limitations and deficiencies of social insurance. Commercial insurance includes critical illness insurance, accident insurance, hospitalization medical insurance, etc., depending on your actual purchase configuration.

Disadvantages: commercial insurance, general outpatient clinics are not reimbursed (except for accident clinics and special clinics);

Advantages: 1. It is not limited by geography. As long as it is a hospital above the county level, it can almost be reimbursed;

2. If you suffer from a critical illness, you can directly diagnose and make a claim, without considering whether you should have a medical relationship;

3. In case of death, social security will not receive death benefits, and commercial insurance does.

Therefore, commercial insurance and social insurance have to be bought, and the effect is better if it is cooperated.

Reliable is not in the company, but in the person who does insurance. Because the insurance contract is difficult to read by itself, if the insurance recommended to you by the salesman is not as good as he said, it is fraud. So the most important thing is to choose the right insurer.

The CIRC's public service slogan:

Buy accident insurance, just for a peace of mind on the road;

Buy medical insurance, just for hospitalization without spending your own money;

Buy education insurance just to give your child a certain future;

Buy pension insurance, just for a worry-free smile in the sunset;

Buy wealth inheritance insurance: only for the assets under your name to avoid taxes reasonably.

What the customer said after receiving the claim:

I used to say that I only bought it if there was a problem, but now I know that I can't buy it if there is a problem.

I used to think that I wouldn't have an accident, but now I know that I am not afraid of an accident, which is called life planning.

I used to think that the hospital was to save people, but now I know that the hospital recognizes money and does not recognize people.

I used to think that insurance was a burden, but now I know that insurance is a second life.

I used to think that I would talk about it then, but now I know that I can't say anything at that time.

I used to think that the money I bought for insurance was made by the insurance company, but now I know that the insurance I bought is to let the insurance company make money for me. I used to think I just had to be careful, but now I know it's called a fluke.

Insurance can't change the present, but it can prevent it from being changed in the future!