What insurance should I buy during the Chinese New Year

Arnold answers: Hello!

The Chinese New Year period is also the peak period of travel, if you are traveling, it is recommended to buy a travel accident insurance; If you're traveling by car, you'll also need to have an insurance policy for your car.

If you are returning home for the Chinese New Year, you need a traffic accident insurance to avoid accidents. Children can purchase accident insurance with comprehensive coverage, while adults need to purchase accident insurance with a high sum insured.

In addition, the weather is cold during the Chinese New Year, and it is easy to catch a cold. In addition, eating and drinking, drinking and feasting for fun, you need a medical insurance to start the new year's health protection.

Insurance does not necessarily have to be bought during the Chinese New Year, the sooner you buy insurance, the better, generally speaking, adults are suitable for critical illness insurance, medical insurance, accident insurance and life insurance. How should adults buy insurance, the senior sister has summarized several sets of plans, you can refer to buy it: how to buy insurance for adults?

Everyone should have their own plan.

It should be noted that commercial insurance generally has a waiting period, during the waiting period, under normal circumstances, the insured has an insured accident, the insurance company does not have to bear the responsibility of protection, the waiting period for different insurance products is different, some are 30 days, some are 90 days, some are 180 days or even one year, so if the economic conditions allow, the sooner we match these four types of insurance, the better, no matter during the Chinese New Year or later, once an accident occurs, insurance can be used in time. Regarding the relevant matters of the waiting period, this article also explains in detail, and it is recommended that you take a good look: The insurance company will not pay for the insurance during the waiting period?

If you don't understand, you'll suffer a big loss!

Critical illness insurance mainly protects critical illnesses, and many people will indulge themselves during the Chinese New Year, resulting in poor living and eating habits, hidden health hazards, and serious illnesses.

Million Medical Insurance is a reimbursement type insurance, which provides millions of reimbursement amounts, which can reimburse reasonable medical expenses such as hospitalization, outpatient and emergency treatment, and surgery for general medical treatment and critical illness medical treatment, and reduce the burden of medical expenses when the insured is sick and hospitalized.

Regardless of men and women, young and old, accidents will come anytime and anywhere, the possibility of accidents is relatively high when you go home for the New Year, go out to play, and with accident insurance protection, its compensation can also help reduce the burden of expenses.

Adults are basically the main financial bearers of the family, both old and young, and if they unfortunately die or become completely disabled, it will cause a serious blow to the family. Therefore, adults also need to take out a life insurance policy to transfer financial risks. This article has a more detailed introduction to the functions of these four major commercial insurances, you can have more in-depth understanding:

What is the difference between critical illness insurance, medical insurance, accident insurance, and life insurance? Will there be a conflict when making a claim?

Will you buy insurance for a new car during the Chinese New Year? The old driver tells you that these types of insurance must be chosen.

What insurance to buy for the first year of a new car.

Usually new cars will be purchased with full insurance, because the combination of new cars and newbies is prone to accidents. However, when it comes to the second year of insurance, many car owners will choose to invest in the Qingyou Wubao project according to their own needs.

The concept of all-risk insurance usually also includes the following types of insurance:

1. Third-party liability insurance, after you hit the other party with your own car, the insurance company will compensate the other party's losses;

2. Vehicle loss insurance, after your car is affected by a natural disaster or collision, the insurance company will pay for the loss of your vehicle;

3. Liability insurance for personnel on the motor vehicle, when you drive out, if the person sitting in the car is injured, the insurance company will compensate for the loss of the driver and passenger;

4. Spontaneous combustion loss insurance, the insured vehicle spontaneously combusts due to the internal structure of the car or the goods loaded, and the insurance company compensates for the loss of the vehicle;

5. Motor vehicle theft insurance, after the car is stolen or robbed, the local public security criminal investigation department will file a case and prove that the whole car will be compensated for the loss of the whole car after 60 days;

6. Glass insurance: glass breakage insurance, compensation for broken windshield or window glass during car parking;

7. Body scratch loss insurance, if there are small scratches on the body without obvious collision marks, the insurance company will compensate for the repair loss;

8. Regardless of the special insurance with free odds, to prevent customers from colliding casually after insurance, the insurance company will set the free odds, and the reputation or customers also need to bear certain losses. If the company is required to compensate in full, it is necessary to purchase without deductible.

How much is insurance for the first year of a new car.

The types of car insurance are different, the insurance is also different, and the insurance amount purchased by different car owners will also be different, take a family car of 100,000 yuan to calculate.

Car damage insurance is also one of the types of insurance that need to be purchased when buying insurance, generally the car damage insurance purchased by a new car is about 1000 yuan, the higher the car grade, the higher the ** car insurance, the third party liability insurance is also very important, the amount of the third party liability insurance is more flexible, 50,000 to 5 million grades, the general owner will choose the amount of 1 million, for the sake of insurance, in case you accidentally rub the luxury car while driving, so the amount is larger and more safe. The third-party liability insurance of 1 million yuan is about 1,000 yuan, and the theft insurance is generally about 300 yuan.

1. Snacks: melon seeds (various flavors), peanuts, sugar (fruits, cream, lollipops), hawthorn cakes, broad beans, raisins, pistachios, pines (some dried fruits, jelly, pots, potato chips, popcorn, chestnuts; 2. Fruits: apples, oranges, oranges, grapes, bananas, persimmons; 3. Meat:

Precautions: First, we should pay attention to the amount of New Year's goods, not too little, it will not be enough, but not too much, it will not be good to waste it when the time comes. Second, don't want to buy any New Year's goods, or choose the kind that your family likes and is popular with relatives and friends.

Third, the quality must be passed, especially the food must be clean and hygienic, and then the taste must be good. At the same time, it is necessary to choose clean and intact food, if there is a strict deformation, such as vacuum packaging and bagging, it is likely that the food inside has deteriorated, do not buy. If there are traces of burning or cutting of the beam shed at the sealing place, try not to buy it.

1. Three squirrels celebrate the New Year's holidays, and when buying New Year's goods, of course, nuts are indispensable. The first choice for buying nuts is the old brand of three squirrels. This three squirrels national red nut gift pack, which contains a total of 9 different flavors of nuts, each of which is crispy and delicious, and the packaging looks high-end, festive and generous, it is a good choice to eat yourself or give away during the New Year!

Now click below*** to place an order and you can also get a 20 yuan shopping coupon, **direct discount of 20 super cost-effective 2, Shu Dao Xiang before the whole meat gift package, a snack that cannot be missed by friends who like to eat spicy. From a foodie's point of view, this is really delicious, there are 5 small bags in a bag, clean and hygienic, very convenient and can also be put in the bag to eat I like to eat sweet and spicy taste is very cost-effective. The things are delicious, and the gift box is also very large, and the gift box that you want to buy if you want to stock up more is more cost-effective.

The packaging is also beautiful and stylish, and it is no problem to give gifts. Click below*** to place an order to receive a 35 yuan shopping coupon Shu Daoxiang whole meat gift package spicy beef jerky Sichuan Chengdu specialty snacks spicy 3, Macau Yonghui souvenir gift package If you like to eat egg rolls and pastries, you can try this, Macau time-honored brand, you should have been to Macau. Every time the family goes to Macau, they must bring souvenirs, almond cakes, chicken cakes, egg rolls, etc., which are essential for drinking tea during the New Year!

4. Chocolate three-flavor barrel chocolate is one of the must-have New Year's goods, in addition to being delicious, the chocolate prepared for the New Year's goods should also be packaged festive + small pieces portable, suitable for everyone to get together to eat, and it is also joyful in the container. This is a combination set of chocolate chips + Dove chocolate + crispy rice. It's super satisfying to eat three at once, and it's all individually wrapped.

However, the chocolate calories are relatively high, and the sisters who are afraid of fat should have a moderate amount If you like it, remember to click the *** link below to receive a 20 yuan coupon to place an order! 5. BESTORE Snack Gift PackageBESTORE is a brand that has been particularly popular in the past two years, with various advertisements, various celebrity endorsements, and super rich snack varieties, nuts, candy, snacks, sour, sweet, salty, spicy, everything. However, their things are really good, and the packaging looks good and exquisite.

The best choice for the New Year's drama supper. BESTORE Snack Gift Pack Jian Zhengqing Spicy Snack Snack Snack Net Red Duck Qing Side Neck Tmall Go buy 6, biscuit tipo This rusk should be unknown to no one, super hot snacks Eggs and milk flavored, crispy taste, but not hard at all, the elderly and children can eat it. And it doesn't taste dry at all, I think it's okay to eat it for breakfast or afternoon tea.

7. White rabbit candy is not much to say, after all, it is the taste of childhood, a classic of the New Year, and this white rabbit is really a "big" white rabbit, thicker than your calves.

It is possible to buy insurance, but it depends on the situation.

During the Spring Festival holiday, a small number of insurance companies can buy insurance, but some insurance companies need to wait for the insurance company to buy, which requires specific circumstances; Some insurance companies work with third-party platforms and can be purchased online, but it is important to note that reimbursement is required after an accident until the staff work.

Before and after the Spring Festival, it is more suitable to buy insurance, the traffic flow during the Spring Festival, the traffic flow increases, and the risk of accidents increases; Whether it is driving, fire brother liquid car, airplane and other travel methods, you need to purchase accident insurance, accident insurance reminder, you can choose freely; During the Spring Festival, many companies are on holiday, and they need to buy insurance, which can be purchased through the familiar insurance **person or insurance company APP or **and third-party insurance institutions, and the insured chooses different insurance amounts and different insurance periods according to their own economic ability. The insured can reasonably allocate life insurance, critical illness insurance, accident insurance or medical insurance according to their own needs.

When buying insurance during the Spring Festival, it is also necessary to pay attention to the non-compliant marketing methods adopted by the sales staff of the insurance company, and consumers should pay attention to safeguarding their legitimate rights and interests when purchasing insurance through formal channels during the Spring Festival; During the Spring Festival, insurance is mainly purchased through the network system, and the official insurance institutions operate normally during the Spring Festival, and users can complete the corresponding insurance arrangements according to their personal needs.

When users buy insurance products, they must not only listen to the marketer's verbal sales, but also see the terms of the insurance clearly. They should know the written terms and conditions to find the most suitable insurance purchase for their situation.

There are many reasons to buy insurance during the Chinese New Year.

1.Generally, the unit will have a year-end bonus to employees during the Chinese New Year, at this time, if you choose to buy insurance, you will not worry about the impact of the premium due to your own delivery ability, and the future annual premium will be paid in the Spring Festival, relatively speaking, it is relatively easy to pay.

2.We always try to avoid accidents, but accidents do not happen by personal will. Every family wants their family members to be safe and happy in the new year, and insurance is undoubtedly the best choice at this time.

3.Insurance has become an indispensable part of the whole society, according to relevant survey data, about 70% of people believe that insurance plays a certain role in their lives. More than 20% of them are busy with work and have no more time to communicate with ** people and plan their own insurance.

The New Year is coming, in addition to having a 7-day long holiday, there is also a relaxed mood, you can communicate with the insurance ** person in depth and detail, start from your own reality, and plan your own insurance.

4.In the new year, most people have the habit of giving red envelopes to their children. On the one hand, giving red envelopes can traditionally ward off evil spirits and increase the atmosphere of the New Year; On the other hand, I am afraid that my child will not be able to grasp the use of money well after taking the red envelope, so that the child will develop a bad habit of spending money indiscriminately.

At this time, if you use insurance instead of red envelopes and give your child an education annuity insurance, it will have a completely different effect. It is not only a special red envelope for the New Year, but also a guarantee for children.

There is no such thing as good or bad insurance, only what suits you is not suitable. First of all, the sooner you buy insurance, the better, and the younger you are, the more you buy, and the lower the premium, the younger you are. The older you are, the higher the premium. Therefore, there is nothing good or bad about buying insurance during the Spring Festival, it just depends on whether you need it or not.