"You get what you pay for", there is a reason why it is expensive, the brands of big companies are guaranteed, and the money will be returned when it expires, "Treat the disease when you are sick, save money when you are not sick"... These words are used by those who have bought

"You get what you pay for", there is a reason why it is expensive. The brand of a big company is guaranteed, and you can get money back when it expires. "Treat the disease when you are sick, save money when you are not sick"...

I have bought these words offline. Does insurance sound very familiar to you? Believe me, if there is an agent selling you this way, you'd better stay away and be more cautious! ! !

Below, I will give you a detailed explanation from a specific case. What kind of routines do insurance companies use in their products and claims settings? Today, let’s take a look at the underpants of those insurance companies for everyone to see~~

First, let’s talk about [Product Settings] and see what tricks there are:

The insurance bought by others is 4,000 yuan, and the insurance you bought 10,000+, several times more expensive! Is protection good? How much is the value of the returned premium? You will know by comparison: (Take buying a basic insurance amount of 500,000 as an example)

1. Is the protection good:

• Critical illness protection:

Jiahe Insurance The policy can pay out 150% of the insured amount in the first 15 years The practical value is higher! The age group with the highest incidence of serious illness is before the age of 60, especially between the ages of 41 and 50, when family responsibilities are heaviest. It is very important to get higher insurance coverage. Huaxia Fu’s additional compensation design before the age of 18 and after the age of 60 has no practical effect. Not big!

• Moderate and mild illness protection:

In terms of mild illness, Jiahe Insurance will pay 40%/45%/50% of the insured amount respectively for 33 minor illnesses, and the compensation ratio is higher; moderate illness is between severe illness and mild illness. Disease status can pay a higher insurance amount than minor illness. However, Huaxia Fu does not directly cover moderate illness. Compared with the current design standards of mainstream critical illness insurance, the coverage is much worse!

• Cancer Secondary compensation liability:

Cancer is highly prevalent, and cancer treatment has the characteristics of metastasis, persistence, recurrence, and new onset. Dongbaojun has always recommended that when buying single-payment critical illness insurance, you must add the secondary cancer compensation liability, China Fortune did not have the guarantee of this responsibility and still failed!

2. Is the "refund of money" worth it?

The phrase "treat the patient if you are sick, and refund the money if you are not sick" has seduced many ignorant policyholders.

As can be seen from the comparison in the above figure, when the protection is not as good as that of consumer products,returnable critical illness insuranceHua Xia Fu pays nearly three times the annual premium as the non-refundable Jiahe Insurance.

The so-called return of premiums is actually obtained by us paying several times more money. is not only several times more expensive, but the money will be refunded to you only if you don’t suffer from serious illness during the guarantee period!

The essence of return is that the insurance company invests the extra money you paid, and will return the principal that has depreciated a lot to you after a few decades.

If you buy Huaxia Fu, live to the age of 88 without any serious illness or insurance, and successfully receive a refund of the total premium of 258,800, how high will the income be?

After a simple calculation, the annual IRR annualized return rate is less than 2%, so it is better to deposit it in the bank on a regular basis.

Therefore, there is really no need for us to keep the money we pay in insurance companies for decades. You can use a few thousand yuan to buy consumer critical illness insurance , and the remaining money can be used for other stable investments and daily living expenses.

After reading the product routines, let’s take a look at the claims routines.

2. The insurance company’s [claims settlement routine] rhetoric:

"You young people are still buying insurance online, you can’t touch it or see it. Who can you go to if you lose the truth..."

This sentence must be familiar to everyone, right? Offline agents often use this sentence to deceive young people who want to purchase insurance online, blindly emphasizing the reliability of insurance claims by large offline companies and slandering the instability of claims by online insurance companies, so as to guide young people to purchase insurance offline. .

is actually not the case! Let’s take a look at the claims data of previous years and we will know:



As shown in the comparison above, whether it is a well-known old insurance company or an emerging insurance company, the claim settlement timeliness and compensation rate are almost the same, and there is not much difference. !

Some friends are worried about the solvency and service quality of "small" insurance companies...

Again, insurance companies are regardless of size. What other insurance companies can do, my insurance company is equally capable. The insurance company is backed by the China Banking and Insurance Regulatory Commission and is supervised by the China Banking and Insurance Regulatory Commission. Your policy is a contract with regulatory support. The contract is guaranteed and there will be no differential treatment based on the company!

Long-term insurance, such as critical illness insurance, costs several thousand yuan a year in premiums, which is not a small figure for ordinary people.

Our original intention is to establish a heart-to-heart comparison based on fairness. If a few thousand dollars in annual premiums can be exchanged for armor, even if the future disease risk is uncontrollable and unknowable, the money will be well spent! What

is afraid of is that what we get in return is the hidden agenda and deceit behind the guarantee. This kind of deception is no different from scoundrels!

But when we encounter insurance rogues, we often have no choice but to resort. The best solution is also the most helpless result. The only option is to surrender the policy, and surrendering the policy will inevitably result in losses. This IQ tax has to be paid!

Put aside the various insurance routines, insurance is called , and you can feel at ease if you buy the right insurance. Insurance is difficult to understand and easy to get into, so we recommend that you listen to the opinions of professionals and tailor a protection plan.