Do you regret buying commercial insurance? I regret buying business insurance

There are two common reasons why some friends regret buying commercial insurance:

1. Blind insurance.

Many friends who don't know much about insurance don't choose insurance when they buy insurance, but blindly follow the trend to insure. After taking out the insurance, you will find that the protection provided by the product is not suitable for you.

Therefore, if we want to buy a product that suits us, we need to carefully read the terms of the product when applying for insurance, figure out the content of the insurance, the payment period, the protection period, the exemption clause and other matters, and then consider it in combination with our own situation to decide whether to insure and avoid buying unsuitable products.

2. There is no priority allocation of protection insurance.

When some friends buy insurance, they hurriedly buy financial insurance without configuring protection insurance. When you suffer from illness or an accident, you find that financial insurance does not provide you with corresponding protection, and you feel regretful.

Therefore, when buying insurance, you must follow the principle of "protection first, financial management later". After all, only physical health is the most important, and giving priority to protection insurance can better help us transfer the economic risks caused by diseases and accidents.

Protection insurance is also critical illness insurance, medical insurance, accident insurance, life insurance, if you don't know much about these types of insurance, you can also take a look at the analysis of this article: What is the difference between critical illness insurance, medical insurance, accident insurance, and life insurance? Will there be a conflict when making a claim?

That's all for the problem. In general, it is necessary to buy commercial insurance, and most of the reasons why some friends regret it after buying commercial insurance is because of the lack of relevant understanding of insurance.

Don't regret buyingBusiness InsuranceBuying commercial insurance is buying a protection for yourself.

Social security generally does not have a life insurance amount.

In the event of death due to illness, social security cannot pay hundreds of thousands of dollars to the insured like commercial insurance, but can only give a pension.

Commercial Critical Illness Insurance.

It is a kind of benefit-type insurance, as long as the disease you are diagnosed with is in line with the insurance terms and conditions, then you can get a one-time payment from the insurance company, which can improve the quality of medical care in a timely and effective manner.

Social security in mature countries can only solve 30%-40% of the cost of the elderly, and the foundation of social security also determines that it can only ensure that the insured has food to eat rather than meat when they are old, and if they want to live a better quality of old age, they must rely on other savings and investments.

People regret buying commercial insurance because they have purchased a product that is not suitable for them. For example, if you give priority to buying insurance products that can be used for financial management, but when you encounter your illness, accidents, etc., you find that financial insurance does not provide you with corresponding protection.

Therefore, when you buy insurance, you should still follow the principle of "protection first, then financial management".

Protection insurance includes critical illness insurance, medical insurance, accident insurance and term life insurance, etc., if you don't know these types of insurance, you can take a look at this popular science article first: What is the difference between critical illness insurance, medical insurance, accident insurance, and life insurance? Will there be a conflict when making a claim?

Summary. I regret buying commercial insurance, and the surrender is a loss.

I want to surrender the insurance, but after paying for 9 years, almost 80,000 yuan, I can refund about 10,000 yuan now, and I regret buying commercial insurance, and the surrender is a loss.

According to national regulations: after a long time, I regretted buying commercial insurance, and the surrender was a loss. Insurance Classification:

1. [Property insurance: enterprise property insurance, engineering insurance, automobile insurance, liability insurance, ship insurance, freight insurance, home property insurance, credit insurance, guarantee insurance, agricultural insurance]; 2. [Life insurance: accident insurance, medical insurance, critical illness insurance, life insurance, children's education insurance, pension insurance, annuity insurance, group insurance]; 3. [The types of car insurance grinding keys can be divided into strong blind companion insurance and commercial insurance according to their nature].

Legal basis: I regret buying commercial insurance, and surrendering the insurance is a loss. The "Social Insurance Law of the People's Republic of China" was passed by the 17th Session of the Standing Committee of the Eleventh National People's Congress of the People's Republic of China on October 28, 2010, and is hereby promulgated to take effect on July 1, 2011.

In accordance with the Decision of the Standing Committee of the National People's Congress on Amending the Law of the People's Republic of China on Social Insurance adopted at the Seventh Session of the Standing Committee of the 13th National People's Congress on December 29, 2018, the Table of Contents, Chapter 1, General Provisions, Chapter 2, Basic Pension Insurance, Chapter 3, Basic Medical Insurance, Chapter 4, Work-related Injury Insurance, Chapter 5, Unemployment Insurance, Chapter 6, Maternity Insurance, Chapter 7, Collection and Payment of Social Insurance Premiums, Chapter 8, Social Insurance**, Chapter 9, Social Insurance Administration, Chapter 10 Social Insurance Supervision Chapter 11 Legal Responsibility Chapter 12 Supplementary Thank you for your trust in me, the above is mine, thank you

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.

This varies from person to person, people who recognize commercial insurance will not regret it, and people who do not recognize it will regret it after purchasing it.

Commercial insurance covers a series of insurances such as property insurance, life insurance, life insurance, etc. Under normal circumstances, it is recommended that you first purchase accident insurance, health insurance and other protection insurance, and then appropriately choose pension insurance, financial insurance, etc. as an appropriate supplement on the basis of this protection.

The scope of commercial insurance is planned and supplemented according to the individual's financial ability. The difficulty lies in the fact that the insurance itself has a certain cognitive threshold, and there is no state that is so considerate and classically compulsory, and in the process of self-purchase, it is inevitable to encounter misleading sales. This is also the reason why many people believe in social security and do not believe in commercial insurance.

No, I think it's important to buy commercial insurance, but do what you can. The reason why it is necessary is to look at the people around and ** who have medical insurance have a major disease, but they still can't afford to treat it, they are bankrupt, they are in debt, and they have to start a drop of water to raise this and that.

After all, medical insurance only reimburses the most basic medical expenses, not covered medical expenses. The medical insurance can only reimburse the part that meets the medical insurance list and does not exceed the upper limit. Most of them are domestic drugs, and there are very few targeted drugs.

Minor illnesses can be, but in the event of major illnesses, the medical insurance catalog and reimbursement ceiling will not work, and the overall planning of major illnesses in medical insurance is also capped, and many times it is impossible to solve the medical expenses of large critical illnesses, and individuals still have a large, even unbearable medical burden. The reason why we say that we should do what we can is very simple, buying insurance requires real money, and you can't buy it if you don't have money.

Therefore, my suggestion is to establish the concept of insurance preparedness, under the premise of medical insurance, if conditions permit, according to the individual's situation, it is of course better to buy some supplementary medical insurance and other commercial insurance, so that you can get more comprehensive protection and remove worries to the greatest extent.

Personally, I think critical illness insurance and personal accident insurance are the first choice. Use the combination model of "medical insurance + critical illness insurance + personal accident insurance" as the basic medical security for your life. Whether commercial medical insurance is a consumption type or a return type depends on the individual's investment tendency and economic conditions.

The sum insured should be within your means. As for which insurance company to choose, and what products to choose, I think it is necessary to choose a large company, and the products should be compared to three companies.

There must be people who regret buying commercial insurance because they didn't plan well. In fact, whether commercial insurance is needed, in most cases, everyone does not have a deep understanding. If you have a friend or family member who works in a hospital, just ask.

Cases of poverty due to illness and various cases of fundraising for treatment abound. This answer is not intended to intimidate, but to call on everyone to face up to him when they see this problem and study what commercial insurance means to a person and a family.

Can you live without him, how to live, and what will life be like with him. The rest is a thing to measure according to one's own situation, commercial insurance has a wide range, protection insurance, annuity insurance, inheritance of whole life, etc., each person's situation is different, and the insurance required is also different.

Before making a decision, it is important to think about the consequences and implications. Buying commercial insurance will increase household expenses, but it will form protection and greatly increase the ability to cope with the risk of illness or accidents. If you don't buy commercial insurance, you can save premiums, and you need to bear the risk.

If you're alone, it's much less stressful. Sometimes buying insurance is a bit similar to buying a real estate, gritting your teeth and buying it, but there is a big difference in your future living status. That's all.

There are quite a few similar hot spots on the Internet:"It doesn't help to buy insurance”。People who have bought insurance regret it, and those who have not bought insurance dare not buy it.

Whatever you buy, you shouldn't spend impulsively, and it's okay to do your homework before you start. So whether it is useful to buy insurance, you might as well take a look at this comprehensive strategy:Should I buy insurance?

If you don't take risks, won't the money be spent in vain?

Insurance protects risks, and everyone faces different risks, so there are different types of insurance and different risks covered. In response to the subject's doubts, we analyze the risk of commercial insurance protection, and whether it is useful to buy insurance.

Critical illness has a trend of younger people, and the probability of serious illness among Chinese is also increasing. At the same time, medical treatment is constantly advancing, and the "incurable diseases" of the past have become easier to cure, so many people have begun to actively seek medical treatment and actively face the risk of diseases. But in my country, there is a serious illnessA minimum of $300,000 is requiredMany families have returned to poverty due to illness.

And with critical illness insurance, you can mitigate this riskAs long as you meet the conditions for the claim, you will be able to receive a lump sum of insurance benefitsIt can be used to treat diseases, and it can also be used to compensate for the loss of income due to illness, so as to avoid the collapse of the family economy due to serious illness.

The old have something to rely on, and the young have something to supportIt's always been a tradition. Everyone who takes on the responsibility of a family does not live just for themselves.

Life insurance meets the needs of the breadwinner of the family, and if he dies for various reasons, the insurance company will pay a high death benefit to the beneficiaryEnough to sustain a family's normal life for decades to come。Families will not collapse overnight because of the loss of their breadwinner.

As a supplement to social security, medical insurance also plays a relatively large role in our lives.

Take small medical insurance as an example, with a premium of about 100 yuan per year, with social security, it almost doesn't cost a penny to go to the hospital to see some minor illnesses and pains this year, and there are some additional value-added services, which optimizes our medical environment and medical feelings.

And millions of medical insurance is also the darling of the market, with a premium of more than 100 yuan a year, up to millions of insurance amounts. For some expensive imported special drugs and advanced surgeries that are not reimbursed by social security and small medical insurance, they can be reimbursed.

I even found that many products with a premium of two or three hundred yuan a year and an insured amount of several million yuan, friends in need can take it themselves: the top ten million medical insurance rankings are newly released!

Our Chinese favorite saying: ".Spend money to buy peace of mind”。Accidents are everywhere, but if we can minimize the losses caused by accidents, it is excellent.

Accident insurance can protect accidental disability, accidental medical treatment, etc., and the annual premium is only a few dozen yuan, and the insurance amount is as high as hundreds of thousands, which is cost-effective.

Insurance is used to prevent risks, and the role is very large, as for how to do it without regrets, that'sYou have to plan and buy according to your actual needs and the characteristics of the insurance! so as not to fall into the step of "regret".

How to say this, it also depends on individual needs and types. I feel that some commercial insurance is still necessary to buy, especially some medical ones, after all, multiple roads and multiple choices can be regarded as a kind of anti-aging.

Anyway, I don't regret buying commercial insurance now, although I haven't used it now, but I have also seen a lot of similar news, and I feel that buying commercial insurance is still very necessary for our ordinary bosses.

For some people who have not encountered the situation covered by insurance, there may be a little regret, but once you encounter difficulties, you will feel lucky.

No regrets, commercial insurance can deduct the corresponding amount of money after a person has a serious illness and has undergone surgery and examination. By paying after health insurance, you can save yourself a lot of extra money.

If you regret that you have purchased commercial insurance, it must be because you have purchased an insurance product that is not suitable for you, because commercial insurance itself is to provide protection for everyone, transfer the risks that may be encountered, if you do not understand your own risks in detail before buying insurance, as well as your own needs, and do not choose the right insurance products, you will regret buying insurance.