insurance
insurance
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product
hot issues
Currently, there are many types of insurance on the market, and there are many different products in the same category, and insurance has a strong professionalism. There is a "misunderstanding".
In order to let everyone buy insurance clearly, here are some common misunderstandings. You can compare them and hope it will help you-
buy insurance. Pay attention to these misunderstandings!
1
Misunderstanding
How can there be so many risks for me to catch up?
Answer: Who in this world can guarantee that low-probability events will never happen? Once it happens, not everyone has sufficient financial resources to deal with it. Tomorrow or accident, no one can say which comes first. If you can choose, insurance first is the wisest choice.
I am so healthy, so I don’t have to worry about buying insurance.
Answer: no matter which type of insurance is, the earlier you buy, the cheaper. Different ages will lead to different physical conditions and different "thresholds" for purchasing insurance. The only way to buy insurance is to take precautions, and to buy insurance when you have problems with your body. The only thing waiting is: "Sorry".
Is insurance a "game" for the rich?
Answer: really rich people do not need insurance to save lives. For them, the money for medical treatment is just the tip of the iceberg and will not cause a big burden. But "the poor" and even ordinary families are different. A serious illness can destroy a family.
2
Consumption misunderstanding
When buying insurance, you must find an acquaintance!
Answer: No matter who buys from, one thing must be confirmed-is he professional enough? If you trust him with a little knowledge of products and insurance, how can he recommend a product that suits you based on your situation? Find a professional insurance agent, the experience of buying insurance will be much better.
Buy insurance: I buy what others buy.
Answer: follows the trend and buys products that are not suitable for him. In exchange, there are only two words-regret. Only by fully analyzing the potential risks that you may face and buying insurance rationally can you and your family get suitable protection.
The contract is too difficult to understand, so I won't read it.
Answer: absolutely! Insurance contracts are obscure, but there are rules to follow. Reading the terms carefully, understanding your rights and clarifying your obligations is the most important link in buying insurance. If you don’t study the contract today, there may be "endless troubles" tomorrow!
buys a lot of insurance for the baby, but the adult is "running naked".
Answer: Chinese families always put their children first, and buying insurance is no exception. In fact, the correct order for buying insurance is "adults first, then children". As long as adults work and live healthily, children's living conditions will generally not be much worse. However, if an accident happens to a large person, the child's future life will be difficult to guarantee without the main source of family income.
3
product misunderstanding
cheap products are the most cost-effective.
Answer: rates are more necessary, but you can’t just look at the price. In addition to the price, the solvency, service, word of mouth, time limit for claims, the product form of the insurance company, and clause information of the insurance company need to be considered comprehensively.
One insurance policy is multi-functional, work together!
Answer: wants everything and often gets nothing. Different insurances play different roles. A good protection is a combination of multiple insurances, not a multi-functional insurance policy. Different ages in life and different family situations need to be configured accordingly, and it is not covered by a universal insurance.
has full coverage and low insured amount.
Answer: The low sum assured of cannot cover extreme risks. If the budget is tight, the coverage period can be shortened appropriately, or incremental coverage can be purchased year by year to ease the pressure of payment.
The more the number of payouts, the better.
Answer: payment timesLarge numbers are not necessarily "cost-effective". The probability of a person having multiple serious illnesses in his lifetime is not high. The number of payments 2-3 times is enough. Beware of the gimmick of "super compensation". At the same time, there is an observation period between the number of payments, which is also worth noting. Relatively speaking, multiple payments are more beneficial to young people.
Our lives are accompanied by various storms
, a disease or even an accident,
may hollow out the entire family
so insurance is just needed for everyone
to avoid the “misunderstandings” of insurance
only buy what is right for you Insurance!
