Many friends asked us: The insurance I bought before was somewhat poorly protected or the price was too expensive. Do you need to change it?
Frankly speaking, many people have this kind of confusion, and even friends who are engaged in the insurance industry are no exception.
Miss Linda from our company has bought many inappropriate products before, and it took several years to gradually configure her insurance plan.
She wants to share her experience in buying insurance and give you some experience in avoiding pitfalls. The following content is her self-report.
These pitfalls of buying insurance. I advise you not to step on
My last job was to serve as customer service for an insurance brokerage company. I am exposed to some claims cases from time to time. I think that I don’t have much savings, so I should buy some insurance to protect myself.
At that time, I had not long been in the industry and had a deep understanding of insurance, so I bought a few inappropriate critical illness insurance and medical insurance .
. I bought 2 critical illness insurances, but I even bought the wrong ones
My idea at the time was: people may not necessarily get serious illnesses, but they will definitely die. I plan to buy critical illness insurance that will lead to death for life.
However, I don’t have much budget, so I first bought a lifetime critical illness insurance with an insured amount of 50,000 yuan. If I don’t get a serious illness, I will pay 50,000 yuan after death.
Not long after, I heard that a relative had just finished the operation and had to stop working and recuperate for several years. I realized that the insurance amount I bought was too small. If I got seriously ill, the 50,000 yuan would not solve my living expenses for several years.
So I bought a critical illness insurance with an insured amount of 500,000 yuan, because it is a one-year product, which costs more than 400 yuan a year.
When I renewed this critical illness insurance in the second year, I found that the price had changed, so I curiously looked at the price list and found that the price will become more and more expensive in the future, as shown in the figure below:
Women buy a premium of 300,000 yuan for critical illness (excluding mild symptoms)
Take the one-year critical illness insurance for renewal at the age of 55 as an example. The insurance amount of 300,000 yuan per year, and you can only buy a coverage of 100,000 yuan from the age of 56.
With the experience of buying critical illness insurance these two times, I realized that in addition to increasing the coverage amount of critical illness insurance, I also have to ensure that the annual renewal price is stable to avoid the higher the cost of the older I am.
After learning from my lesson, I would rather buy Baoding critical illness insurance, such as 70 years old, which can take into account both cost-effectiveness and stability. After the newly bought serious illness has passed the waiting period, I will refund the insurance of the original product I bought .
I may increase my protection in the future, but I will not change to critical illness insurance again. I hope to pay it slowly like repaying the loan, and it is best not to use insurance for the rest of my life.
. The medical insurance I bought this year was removed from the shelves the next year.
7. I not only bought the wrong critical illness insurance, but also spent 500 yuan to buy two medical insurances (million-dollar medical insurance + small-scale hospitalization medical insurance). The two insurance policies are as follows:
After the two products are matched, they can be covered by hundreds of yuan or hundreds of thousands of hospitalization fees. I think the insurance is very good.
But I don’t know, this has laid a great hidden danger for me. Because in the second year, that small-scale medical insurance has been removed from the shelves and cannot be renewed.
I remembered that the two insurances I bought did not guarantee renewal of . After the product was taken off the shelves or the claim was filed, it is very likely that the insurance could not be renewed, but I didn’t think it would have an impact on me before.
This scares me. What should I do if I happen to be sick when the product is removed from the shelves? Moreover, the older a person is, the higher the probability of getting sick and the greater the risk he faces.
After realizing this problem, I bought a million medical care and began to pay attention to renewal and protection. in short means that the protection must be good, and the renewal must be guaranteed.
So I bought a million-dollar medical insurance that guarantees renewal within 6 years, and I don’t have to worry about the suspension or removal of the product within 6 years.
Although I have now issued a medical insurance that guarantees renewal for 20 years, my body is a little abnormal, so it is not suitable to change the product, and the product I bought is still good now.
above are my two experiences of trapping. I hope it can give you some inspiration. Many friends often ask us, what insurance do you people in , Deep Blue Insurance buy? Next, I will share with you the plan I bought.
has finally fully equipped insurance, which is super comprehensive
Now, I am married and have children, all four major insurance types are fully equipped, and the insurance amount is fully completed.
Let’s take a look at my current insurance plan:
(Note: Super Mary No. 3 max has been discontinued)
Most of the products in the solution can be purchased normally now, and they are currently very cost-effective products.
Everyone must do their homework before buying insurance to avoid buying inappropriate products.
Below, I will briefly share with you the idea of this configuration plan:
In order to transfer the risk of medical expenses and also take into account renewal, I bought a good medical insurance (6 years) million medical insurance. In this way, if the part of the illness and hospitalization cost more than 10,000 yuan can be reimbursed 100% if it meets the conditions.
At the age group with the heaviest responsibility, I hope to have enough coverage, so the two critical illness insurances I bought are both covered until the age of 70. If I unfortunately suffer from serious illness, I can compensate 840,000 yuan before the age of 60, and this money can be freely disposal.
After the child was born, I changed the coverage of accident insurance from the original 500,000 to 1 million, and bought a term life insurance of 1 million, so that it can be covered whether it is an accident or a disease death.
The beneficiary of accident insurance and fixed life is set by my family. In the event of unfortunate death in the future, this money can guarantee the life of my family. After the economy is well-off, I plan to add some critical illness insurance for life. Friends who have similar situations to me can also refer to this configuration idea.
written at the end
above is Linda's experience of buying insurance. Although she missed some insurance, fortunately, she could find that the product was not suitable for her in time and make adjustments.
It is recommended that everyone should also regularly review their insurance policies. On the one hand, they can check for omissions and fill in the gaps and see what lack of protections there have been before; on the other hand, they can also optimize and upgrade inappropriate insurance.
Buying insurance is not a one-time deal. If you find it inappropriate, it is recommended that you make up for it as soon as possible.
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