How about the security guard buying life insurance? Is saving insurance the same as ordinary occupation?

1. Low-risk occupations: 1-3 occupations include most common jobs, which can be summarized as white-collar workers or people engaged in light manual work. Such as teachers, sales, office administrators, back office staff or managers. They generally have a fixed workplace, and there is no occupational risk in their work.

2. Moderately dangerous occupations: 4 types of occupations. These people face certain occupational risks in their workplaces or work contents. This type of work is mainly distributed in machinery manufacturing, forestry and animal husbandry, such as animal trainer, metallurgical worker and railway road builder.

3. Highly dangerous occupations: 5-6 occupations mainly belong to the same industry as 4 occupations, but the specific work content or working environment is more dangerous. For example, the dispenser for liquefied gas and so on. Other common occupations in this category are passenger drivers, martial arts actors and porters.

4. Extremely dangerous occupation: Class R occupation is the occupation that is explicitly refused in the insurance contract. For example: special forces, extreme athletes, aerial work and blasting, mining workers, etc.

Description of high-risk occupational insurance:

1. It is basically life insurance, and the contract scope is 1-4 occupation. A few accident insurances are expanded to 1-5 or 1-6, but the premium is more expensive and the insured amount is lower; Some life insurance and critical illness insurance have less restrictions, allowing 1-6 types of insurance, and some even do not restrict occupational insurance.

2. Different products may have different occupational classifications. For example, the security major, some products are directly divided into public security and building security, which are 4 categories and 5 categories respectively; Another product divides security into office property security, factory bank security and site security, which are classified into 2, 3 and 4 categories respectively. Therefore, pay attention to the classification of occupational risks when choosing products, and you can compare them more.

3. Although some accident insurance products protect high-risk occupations, they limit the amount of reimbursement for unexpected medical treatment, and are not fully reimbursed.

4. The effective date of high-risk occupational accident insurance is different from that of ordinary accident insurance. Most products take effect on the fourth day of insurance, and only a few products take effect at 0: 00 the next day. Although it is difficult and limited to buy insurance for high-risk occupations, accidents, medical care, serious illness and life insurance are indispensable as basic personal protection. You can pay more attention to the products on the market and don't let yourself "streaking". Moreover, with the gradual development and maturity of the domestic insurance market, the risk management of insurance companies is also constantly refined, and the situation that it is difficult to insure high-risk occupations is also improving step by step. In the future, there will be more and more products for everyone to choose from.

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.