Under what circumstances would you buy insurance?

After giving birth to a child, China's environmental food safety has created a desire to protect the child, so we must give him adequate protection.

Online shopping is not satisfied! How many times after unpacking it, I can't help but complain about the ** seller: "Why is it not what I want?" ”

Anti-human thinking, when the body is good and feels bad, when needed. Because insurance is the first element of insurance for health. If it is not a health target, it is useless to take the money and go.

Suffer a loss without insurance. Nothing is more convincing than a lesson from a personal experience.

I feel that my body is getting worse, overdraft my body and work hard for this family, and now I am full of health risks, and my body is not as good as a year, and I can give myself a guarantee in a timely manner, and I can have no worries when I work hard.

It should be the time to be impressed by the income of insurance products, some insurance products have really good pricing interest rates and returns, who will not be able to get along with the money?

When your parents are getting older, you will buy an insurance policy for them in order to reassure yourself.

When buying a car. I won't say much about this, buying a car with insurance is a more natural thing than eating!

When you are impressed by the character of the insured person, many times what the person says is really tempting.

Seeing someone close to you pass away unexpectedly. "The dead are gone, and the living are like that. "Seeing that the family of the deceased will have to face a difficult life in the future, while feeling compassion, I will always have the same assumption about myself, and I will feel the need to make an indelible responsibility to the family.

There are many types of insurance, so I can't say clearly. However, those who have a car must buy car insurance, after all, compulsory traffic insurance and vehicle and vessel tax are mandatory by the state.

When you feel the need for protection.

In most cases, you need to purchase insurance to cover it. Because we face risks in our daily lives, such as illness, death and accidental injury. Purchasing insurance can help transfer the financial risks caused by the above situations.

Normally, the senior sister recommends that you do a good job of personal protection first, such as purchasing critical illness insurance, medical insurance, term life insurance and accident insurance.

Critical illness insurance is a benefit-based insurance that pays a large sum of money in a lump sum if the contract is met. And there are no restrictions on how this money can be used. It can not only be used for high guessing expenses, but also can be used to make up for the economic losses incurred during the illness.

So, how should you buy critical illness insurance, friends who want to know can take a look at this critical illness insurance buying guide:How do I purchase critical illness insurance? It's a buying guide, and if you miss it, you'll lose it!

Medical insurance is a reimbursement type of insurance, which is reimbursed according to the actual medical expenses incurred by the insured, and can be reimbursed as much as you want if you are eligible. To a certain extent, it can effectively reduce the financial burden during hospitalization.

Term life insurance is generally more suitable for the family breadwinner to buy, in the unfortunate event of death, in line with the requirements of the plan, can provide a certain amount of financial security for the family, so that the family's life can be continued.

Accident insurance is also a must-have insurance in our lives, and death and disability caused by accidents can pay a sum of money if they meet the conditions.

Hope.

Buying insurance can provide you with the necessary protection, risk planning, rational allocation of funds, and leverage.

1. Provide necessary protection: insurance can provide protection for common accident, health, death and other risk factors, which can reduce risk losses and effectively resist risks;

2. Carry out risk planning: Individuals or families can use insurance tools to plan their lives and transfer possible risks in advance;

3. Reasonable allocation of funds: insurance has a certain investment nature, and can be passed on by designating beneficiaries, which is a tool for allocating funds;

4. Leverage: Insurance can exchange a relatively small premium for a higher sum insured, which is leveraged and can enable the insured to obtain better protection.

Insurance Protection Function:

The protection function is the foundation of the insurance industry, which can best reflect the characteristics and core competitiveness of the insurance industry. The insurance protection function is embodied in the compensation function of property insurance and the payment function of life insurance.

1) Compensation for property insurance.

Insurance is to compensate for the actual loss amount within the validity period of the insurance, the scope of liability agreed in the insurance contract and the insured amount when a specific disaster occurs. Through compensation, the actual loss of existing social wealth caused by disasters and accidents can be compensated in value and restored in use value, so that the process of social reproduction can be carried out continuously. Such compensation includes not only compensation for the economic loss caused by natural disasters or accidents of the insured, but also economic compensation for the economic liability of the insured to a third party in accordance with the law, and compensation for the economic loss caused by the breach of contract in commercial credit.

2) Payment of life insurance.

Life insurance is two types of insurance that are completely different in nature from property insurance. The value of human life is difficult to be denominated in currency, so the insured amount of life insurance is determined by the policyholder and the insurer after consultation and agreement with the insurer according to the degree of the insured's need for life insurance and the policyholder's ability to pay, within the scope and conditions permitted by law. Therefore, when the insured event occurs as agreed in the insurance contract or the agreed age reaches or the agreed time limit expires, the insurer shall pay the insurance money in accordance with the agreement.

Insurance plays the role of a social stabilizer. Buying insurance is to transfer the risks that we may encounter in our lives, which often have a small probability of occurring, but once they do, they may bring a huge blow to ourselves or even the whole family. Choosing the right insurance product for you can effectively transfer these risks.

For example, commercial medical insurance, in today's society, there are more and more patients with critical illnesses, and cancer is becoming more and more common. For an ordinary family, if a family member suffers from cancer, the high cost will bring great financial pressure. In other words, social security can only guarantee "being able to see a doctor", but not "seeing a good doctor".

However, if you purchase a commercial medical insurance product, the high medical expenses minus the deductible can be reimbursed, and the financial pressure on the family can be alleviated.

Therefore, it is necessary to cultivate insurance awareness, buy insurance products that suit you, and take precautions. “v582”

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

Buying insurance is mainly to transfer economic risks, and when illness, accident, death, etc., it can ensure that our economic life will not be affected too much.

Many friends hesitate to buy insurance, just because they are worried that the insurance they buy will not make a claim, and they are worried that their premiums will be paid in vain. In fact, because many friends do not understand insurance, there are many misunderstandings about insurance, it is recommended to read this article to understand insurance: should you buy insurance?

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

At present, there are many types of insurance on the market, and not every insurance must be bought, but you must choose the insurance you want according to your needs. If you want illness protection, then you can consider configuring critical illness insurance and medical insurance; If you want death protection, then you can consider buying life insurance; If you want to have both protection and income, then you can consider configuring annuity insurance and whole life insurance. If you don't know what insurance you should buy, you can read this article to find out

With so many types of insurance, which one should I buy first?

For example, when we are unfortunate enough to suffer from a critical illness, a critical illness may require more than 100,000 or 200,000 yuan, in addition to the medical expenses during the period, there is no income during the treatment, and it may take time after treatment, resulting in ** expenses, these expenses are a lot, for ordinary families, the financial burden is very heavy, and it may not be possible to take out so much money for treatment at one time.

With critical illness insurance, as long as you meet the conditions for claims, you can get a one-time fund, which can be used freely, which can be used to make up for the above-mentioned economic losses, and can also be used as follow-up living expenses. There are a lot of critical illness insurance on the market, if you want to configure a good critical illness insurance, you can take a look at the list compiled by the senior sister: Top 10 popular critical illness insurance points worth buying!

Consider the need for protection.