I m in good health and I don t need insurance, wouldn t it be a waste to buy it?

Not to say so. If you are not afraid of 10,000, you are afraid of what if.

Let's say you buy an umbrella.

Put it in the bag, put it in the car, take it with you, and if you are afraid that it will rain or expose to the sun, you can take it out and use it immediately to prevent you from catching a cold or sunburn.

Then, a lot of times the weather is good and you don't need it. Do you feel wasted?

Most people don't think it's a waste. It's the same with insurance.

First, buying insurance is not something that makes you bankrupt. It is to spend a small part of your property to buy, without affecting your daily life and not reducing your quality of life. It's like buying an umbrella, of course, it's a little more expensive than an umbrella, which means that it won't affect your life.

Second, if you use it, it can help you a lot. So that you are not afraid of the sun and rain. In comparison, it is cost-effective.

In the end, if you don't use it, then you won't need it. The umbrella will age after a long time, and if it is broken, it will not be able to be used cleanly. Insurance is useless, but in every day and night when you have insurance, he is ready to serve you anytime and anywhere, just because you can't see or touch, you can't feel it, and you think it's useless.

Besides, who buys insurance to use it? No one wants insurance. It's not, I don't know when the wind and rain will come, just guard against it.

Good health, that's just the moment, a person's life, life, and old age. Sickness and death are a natural law. It's like having an umbrella at home, the weather is only for a while, maybe it will rain someday.

Plan it yourself. I'm afraid of the rain and the wind. Not a waste.

If you buy insurance, you will feel more at ease. There are many types of insurance, if you feel that you are in good health, buy less health insurance. Accidents are unpreventable.

That's also a must-buy. Accident insurance, health insurance, and children's education ......insurance are available.

1. Basic expenses for critical illness**.

We can roughly estimate the basic cost of a major disease, the current cancer surgery is about 100,000-300,000, if the use of advanced surgical technology is required, then the cost will definitely follow.

2. Fees.

Critical illness takes a long time, but the later stage is not shorter than the time, or even longer. The first stage of many major diseases takes several years, and the inevitable nutrition expenses and living expenses during the first period need to be taken into account.

3. Loss of income.

Once you suffer from a serious illness, you will definitely not be able to work to earn money, and you will have no income**, which is also an economic loss for families who have always had a stable income.

Seeing this, everyone should have a good idea of whether there is a need to buy critical illness insurance. Whether to buy critical illness insurance or not depends on the ability of you and your family to bear the risk of illness, but no matter how rich the family is, you don't want to take this risk. A must buy!

As an excellent insurance brokerage platform in China, Sycamore Insurance Brokers has a number of insurance companies' products, and the choices are diversified! Only select the excellent and cost-effective products of major insurance companies, and truly shop around for customers! If you have more advice to know about it, check out Sycamore Tree Insurance Brokers, where professional insurance planners are available to answer your questions.

Insurance is a kind of risk investment, and it is still necessary to buy.

Chronic diseases and some signs of serious illness can not buy insurance, and try not to buy foreign insurance, not because it is not good, but when the claim is not done well, the claim will not be settled, and the time is relatively long.

Insurance, insurance is a risk, is an accident, no one likes risk, no one wants to have an accident, if there is no accident, the insurance premium is taken away by the insurance company, if there is an accident, it is difficult for the individual to accept psychologically, so the insurance company and insurance are not accepted. However, I personally believe that insurance is the trend of the times and an effective way to compensate for losses when risks occur.

Extended reading: [Insurance] How to buy, which one is better, teach you to avoid these insurance"pits"

Arnold answered:

Hello! If you are not in good health, the possibility of disease is indeed higher, and buying commercial health insurance is a very good protection measure. However, in order to apply for insurance, the insured person needs to be able to successfully pass the medical examination required by the insurance company and successfully pass the waiting period of the insurance to be successful.

For example, Comfort Health Critical Illness Insurance is a health insurance product that is suitable for you. This insurance comes with 105 illnesses coverage, which is more extensive than the general critical illness insurance. At the same time, there are also functions such as sickness and accidental death benefit, maturity premium refund, premium waiver and critical illness butler service, which are very cost-effective and can bring you more comprehensive protection.

Hello, one to buy is the limb outside the injury insurance, although the body is good but the accident is difficult to prevent, although the medical treatment does not have to worry, but if it is a major accident, then it will be reincarnated into the burden of the family, because once disabled, will lose work and income, if it is death, then it is even more sorry for the parents who raised themselves. It's very simple, one or two hundred yuan to solve the problem, buy a good insurance card is only 100 yuan, I believe that this money will not become a burden for anyone who has a job and income, and it is appropriate to insure 100,000 or 200,000 yuan.

If you can afford a few hundred yuan a year, then you can buy 100,000 yuan of critical illness insurance and choose consumer products. With the increase in the incidence of critical illness and the trend of younger people, taking out critical illness insurance plays the same role, which can ensure that people who have lost the ability to work due to critical illness have a financial compensation, maintain their future life, and continue to choose other jobs after their health improves, so as to regain their income.

Young people with stable and high incomes can buy some savings critical illness insurance, because the money will be available sooner or later. I recommend choosing a dividend-paying product, which can increase the sum insured, or cash dividends, to resist inflation. The two items I recommend have one thing in common:

They are all income-protected products, which means that once a risk occurs, the insurance company's compensation can sustain the rest of the life and will not be borne by the family.

If the income is indeed very good, the next step is to choose pension insurance. The old age stage is the pure consumption stage, the social security pension can only maintain a basic life, the remaining gap can only rely on themselves, the future demand is fixed, but the earlier you prepare, the less pressure you have, this reason is very simple. Which is easier, saving 1 million in 40 years or saving 1 million in 10 years?

The answer is obvious. If you don't want to make your old age a mess, it's wise to save for retirement.

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