What pitfalls should the average person avoid when buying insurance?

What pitfalls should the average person avoid when buying insurance?

Don't slip, just read this one from me!

I looked at tens of thousands of family policies and realized why there is so much resistance to insurance in this country!!!!

Since I've been in the insurance industry, I've received many insurance policies from friends every day.

In the process of analyzing tens of thousands of policies from thousands of families, Gongzi is getting heavier and heavier and more and more angry the more I look at them.

The following chart is a statistical table completed by the Wrecker team after sampling a few hundred family policies:

There's no doubt that the majority of the families are being punked!

In the process of most families configuring insurance, there are a variety of problems,

But when you look at it more closely, most of them are due to the lack of awareness of insurance, by the information asymmetry to the pit.

First of all, I would like to talk about a case that Gongzi remembers vividly (for personal privacy considerations, all using a pseudonym),

In 2016, Mr. A, who had just joined the workforce, could not resist the persuasion of his good friend B, and bought a copy of the X Anfo,

In 17 years, Mr. A, because of the body is not very comfortable, went to the hospital several times, and was found out to be atrophic gastritis,

Soon thereafter,.

Mr. B suddenly contacted Mr. A, saying that his product had been upgraded,

The company, in order to give back to the old customers, could give a free upgrade to enjoy a better and more comprehensive coverage without spending any money.

There was such a good thing! Mr. A told his friend B about his situation in detail, and also took out the hospital report.

Mr. A was very apprehensive, but then his friend B patted him on the back and said there was no problem,

So Mr. A put his mind at ease and followed B's instructions to complete a series of processes, such as payment, stamping, and changing policies, which he didn't even know what to do with.

After completing the upgrade, Mr. A let out a sigh of relief.

A few days later, the new policy arrived, Mr. A looked at it again and again, the coverage does not seem to have changed, on the contrary, the premium is much more expensive.

Buddy B explained that Mr. A had other things to do, so he forgot about it.

Later, Mr. A wanted to increase the sum assured, and happened to find Gongzi's team for consultation.

When sorting out Mr. A's policy and related reports, Gongzi found that

Mr. A's diagnosed illnesses could not be insured by XAnfu at all!

After Mr. A's questioning, Mr. A remembered the previous "upgrade",

After carefully recalling the process of the so-called "policy upgrade", the truth became clearer:

So it turned out that Mr. B didn't let Mr. A "upgrade" the policy at all.

It was a very good idea to have a new policy for Mr. A, but it was a good idea to surrender the policy and take out a new one.

This is a very good idea to have a new policy!

And that's not all,

Because Mr. A's illness is a clear violation of the health notification,

in other words, in the event of an accident in the future, in all likelihood, he will be denied a claim!

Mr. A rushed to the insurance company to confirm the situation,

and sure enough, the so-called "upgrade" is to surrender the policy and re-enroll it,

because then B can get a second commission from Mr. A's new policy...

While this is just an example,

the real world is always so magical:

There are always a handful of people who take advantage of the asymmetry of information,

that is, they eat up the fact that you don't understand, and stage all kinds of magical maneuvers that are meant to trap you.

And the people who were cheated by us, we can't speak of our suffering,

only to raise the sky and whine: why was the pit always me?

Then a thousand words converge into one sentence, insurance is a fraud.

Why is this happening?

And listen to Gongzi give you an analysis of the reasons behind this phenomenon.

China's insurance industry's reputation is not good, the reason for this,

is that certain people with bad intentions, taking advantage of the information asymmetry, selling the people pit products.

The vast majority of people don't understand what insurance is, and don't recognize the real risks they face,

and are stuffed with an insurance policy.

The result is that the vast majority of people buy the wrong kind of insurance, or buy insurance for the pits.

1. Buy tens of thousands of dollars of insurance for the children first, but they are running around naked

Public found that many families are only a few thousand tens of thousands of dollars of insurance for the children, however, the adult couples did not match anything.

Public contact with several families are so, the husband and wife do not know much about insurance, but in the salesman's persuasion to the child on the tens of thousands of children's Xanfu,

a product plan

Results, there is no money to configure their own.

This configuration, there are two problems

1) pediatric insurance pressure does not need thousands of tens of thousands

The vast majority of people may not know, pediatric insurance is actually very cheap,

Match a set of pediatric insurance, as long as more than 1,000 will be enough:

In the program shown in the figure above, critical illness insurance choose a regular sunny days to insure the insurance, 60 million coverage; and only one accident insurance policy.

As long as 1512, the accident up to 200,000, up to 6 million medical expenses reimbursement, plus 600,000 of critical illness protection, medical expenses, accidental injuries and critical illnesses are all insured.

If the budget is sufficient, you can also lengthen the coverage period, using the following set of more than 3,000 programs,

This set of programs all insurance is very good, critical illness insurance to buy 800,000 coverage, insurance to 70 years old; accident insurance to buy three; medical insurance plus special needs, sick hospitalization, you can also choose the special needs ward.

Totaling 3,449, the accident maximum payout of 600,000, up to 6 million of medical expenses reimbursement, plus 800,000 of critical illness protection, medical expenses, accidental injuries and critical illnesses more comprehensive insurance on the.

In the second set of programs are basically selected the best insurance, and no more than 4,000,

Spend tens of thousands of dollars to the child's life insurance, it is likely to be spent in vain,

In addition to the expensive, spent in vain, do so there is a certain risk,

2) there is the potential for risk

To the child to buy insurance when you buy expensive

When you buy insurance for your children, you will have to pay more than you can afford

A very peculiar phenomenon occurs:

You buy for your children first, but you don't have any coverage for yourself.

This should never be allowed, as it could have negative consequences.

When allocating insurance for a family,

whoever is the cash cow in the family should be insured first.

Buying insurance for our children, who are the "money crunchers" first, puts our finances at greater risk.

What does that mean?

Let's list the potential possibilities:

If something happens to the child, the adult can still earn money to pay for the child's treatment,

but if something happens to the adult, leaving only the child to be fed, and even the money for the child's premiums will be gone.

Adults are the backbone of the family, as the main labor force and source of income, the impact on the family's financial situation is the biggest.

It is important to remember that the adult is the strongest umbrella of shelter for the child and the last port of call for the elderly.

Make sure to buy good insurance for adults first, and then consider the elderly children.

2, a policy to protect all: "large and comprehensive" insurance

Many people want to be lazy, trying to save trouble, feel that buying insurance is too much trouble,

Insurance companies look at this situation, the direct launch of a lot of large and comprehensive products, claiming that "a policy to protect all "

The insurance disease, insurance disability, insurance death, big disease can give money, small disease are reimbursement, from head to foot, from the sky to the ground insurance.

Don't you think about it, is this possible?

This kind of product is often a collection of pitfalls.

Big is often "big and pitiful".

The offline best-selling children's Ping An Fu is a typical big and complete,

It includes a main insurance + 1 mandatory rider + N optional riders,

mandatory whole life insurance, must be attached to the critical illness insurance, these two brothers can be really full of live treasures:

First of all, life insurance,

What is the significance of life insurance, for children?

We do a simple analysis, you will know,

to buy whole life insurance for the child is how absurd:

assuming that we buy whole life insurance for the child, this compensation,

not only does it make no sense for you - as a parent, who do not want to send the black hair person.

The child can't use it either - what's the point of having an indemnity only when the child is gone?

So what's the point of buying whole life insurance for your kids?

Then again, the critical illness insurance part,

Since it is bought for the child, since it is a critical illness insurance, let's look at the critical illness coverage,

I got the experience data of the domestic children's critical illnesses, which can be used for reference:

See, compared with the first-class children's critical illnesses insurance,

People's peace of mind in the children's children's specific critical illnesses coverage is very Not to mention the fact that it cuts corners on high incidence critical illnesses.

What you buy is useless, what you buy is not useful,

The "big and comprehensive" insurance is often "big and pit".

Selling it separately makes it look bad.

Bundled together, the premiums are several times more expensive.

Beware if you come across another big, comprehensive insurance policy.

Don't be lazy.

3, "free" insurance: return insurance

Many people always think that the money can not be spent in vain,

If you pay a large amount of money, the results of the peace nothing, then the insurance is not in vain.

So many companies launched a return type insurance, claiming that "there is a disease cure, no disease back to the capital".

If you get sick, you will be paid a sum of money,

If you don't get sick, you will be able to return your premiums to you at the end of the year,

"It's just free insurance!"

But if you buy it, you'll be fooled.

Let's take a look at two products,

One is the pure protection of Kang Le Lifetime 2019, 4940 per year;

One is the return type, An X Insurance, 10750 per year.

These two are the same in terms of the protection form: if you get a serious illness, you will be compensated for 500,000 yuan, if you don't get a serious illness, you will be compensated for 500,000 yuan if you are hanged up.

In the picture, if you want to talk about the protection, you will be compensated for 500,000 yuan, but you will be compensated for 500,000 yuan. The company's products are not even available for minor and moderate illnesses, which makes them worse than the Kang Le Lifelong in terms of protection.

The question is, how can the price difference between the two be double?

Yes, it's because of the return of premiums,

The only "feature" of this policy is the return of premiums if you're 70 years old and don't have an accident.

So is this so-called return of premiums a good deal?

We might as well divide the premium for the return insurance (10,750) into two parts: the protection part and the value-added part,

The protection part is about equal to the premium for the Kang Le Lifelong (4,940), and the value-added part is 5,502 (10,750-4,940).

The so-called return is just the value-added part (4,940), which is the insurance policy, and it will be rolled up over several decades. The first thing you need to do is to get the money back to you, and you'll be able to do it at the same time.

As shown in the chart, the value-added portion of this extra payment, according to the interest rate of 3% per annum value-added, at the age of 70, there are 350,000, while the return of the "total premium" is only 325,000 yuan.

See, this so-called return, even the annualization of 3% can not give,

This is not the most horrible, if the previous insurance, the return will follow the disappearance,

Then buy return insurance has what meaning?

Buy a p Oh

Return insurance I have spoken specifically before,

What else can I look at this:

Today, I pulled down the bottoms of the return insurance

4, only to buy a financial insurance

According to statistics, 80% of domestic premiums are invested in savings-type insurance,

this means that per capita protection is seriously insufficient, insufficient to what extent?

The public found the 2018 annual report of a life insurance company's provincial branch claims:

The top-ranked Golden Blessing Life paid out 200 million dollars, the total amount looks high,

But when spread over 7,659 cases, each insurance policy can only pay out 26,500 dollars on average!

Less than 30,000 dollars! What can this do?

Is this an insurance policy, or a psychological comfort?

Hongkang Life's general manager once said that 85-90% of domestic life insurance premiums come from savings products (including various annuities and return insurance) rather than protection insurance,

The reason is that a considerable part of the people are obsessed with financial management with insurance,

There is a typical representative of financial management type insurance --- Open Door Insurance,

We have a typical representative of financial management type insurance --- Open Door Insurance,

We have a typical representative of financial management type insurance --- Open Door Insurance.

Major insurance companies will launch a new product every year,

with all kinds of nice names, demonstrating all kinds of returns that can't wait to kill Warren Buffett,

with all kinds of banquets, sending all kinds of small gifts, and all kinds of "limited time sales",

This is the first time that I've ever seen an insurance company that has been in the market for a new product. "

The results, we might as well look at the market to sell the best several "open door red":

X Rui life, the guaranteed return of the annuity part of the return rate of only 1.96%.

Xin X Jin Sheng, the guaranteed return of the annuity part of the yield is only 2.37%.

How much is the guaranteed annuity yield of X Enjoy Supreme, a product that claims to be dedicated to the 70th anniversary?

1.68 percent

Gongzi checked, the current Bank of China five-year deposit is 2.75 percent,

like the five-year deposit of Xinnet Bank can even reach 5.4 percent.

These can be bank deposits, bank deposits are protected by the deposit insurance fund, within 500,000 yuan of guaranteed capital and interest, there is no risk to speak of.

You this insurance, even compared to the big bank bank deposits, really can not say.

Even with the "proud" universal account, the rate of return is just this style:

XRui life, claiming 6% of high-grade comprehensive income is just 3.52%, which...

Spend a lot of money, the return is not generous not to mention, but also may affect the protection of that part of the expenditure,

To figure what?

On the annuity account, the annualized return is no more than a bank deposit;

Added to the dividend, many "explosive" open door red return is just that,

Returns are difficult to meet the expectations not to mention that the open door red expenditure of a large sum of money, used to buy the protection of the money is even less.

And the open door this kind of financial insurance, not want to take can take,

If the early withdrawal, will also lose a large amount of money, liquidity is very poor.

Buying insurance, you must first protection after financial.

5, superstitious big companies

Many friends buy things in favor of the brand,

This is also understandable,

If it is a dietary thing, the brand may be the taste is better;

If it is a daily necessity, the brand of the thing may be more durable;

Even if it is to wear a luxury product on the body, the brand can satisfy the little vanity.

But the question arises, what's the point of branding insurance?

Can't eat, can't wear, not to mention, no one will take the brand's policy out to show:

"Ah, I got XX's insurance"

Meaning to say that they have paid IQ tax?

You know, critical illness insurance is very homogenized,

We take Ping An Fu 2019 II and Super Mario Flagship Edition for example,

Liability form, both of them are,

Get a critical illness, pay out the sum insured;

Not get a critical illness, hang up, pay out the sum insured;

Overall liability is exactly the same.

Is that death liability or critical illness liability any different?

In terms of death liability, no critical illness, hang up

whether it's death due to illness, accidental death, or natural death,

it's all about paying out the sum assured, nothing different.

In terms of disease liability,

While disease clauses are very professional, without some medical knowledge simply can not read,

But regulation in order to standardize the industry, so that the Insurance Industry Association and the Chinese Physicians Association to give a standard,

The standard in one breath standardized the highest occurrence of 25 kinds of serious illness,

And these 25 serious illnesses, which accounted for the actual 95 percent of claims, covering the most prevalent diseases.

It is often said that "laymen see the fun, insiders look at the terms",

Well, we will take the terms of the two compared to each other,

The highest 25 kinds of serious illnesses:

Click to see a bigger picture

Because of the Safe and Sound purchase age is limited to the age of 18-65 years old, the purchase age is limited to the age of 18 years old. What you can buy under the age of 18 is the Junior Ping An Blessing.

So there is no difference between the definitions of blindness in both eyes, deafness in both ears, and loss of speech for Super Mario Signature and Ping Anfu.

So, we can boldly say that the definitions of these core 25 critical illnesses are exactly the same, and there is not a single difference between the two.

These diseases alone account for 95% of actual claims.

So what's the point of buying insurance based on "brand"?

At this point, one has to ask, is a small insurance company safe?

Don't look at the same terms and conditions, but bigger companies are safer.

Is this true?

First of all, the threshold for the establishment of insurance companies in China is very high,

It can be said that there are no small companies, only small brands in our insurance industry.

According to Article 68 of the Insurance Law, if you want to open an insurance company, the threshold is very high:

The requirement is that the shareholders are must be clean, and the net worth must not be less than 200 million.

In addition to the high threshold, China's insurance industry regulation can be said to be the world's most stringent:

1) supervision of the use of funds

Insurance companies receive premiums, but not how you want to use how to use, there are strict restrictions:

Article 106 of the Insurance Law: Insurance companies must be prudent in the use of funds, follow the principle of security. The use of funds of insurance companies is limited to the following forms:

(a) bank deposits;

(b) trading of bonds, stocks, securities investment funds and other securities;

(c) investment in real estate;

(d) the State Council provides for other forms of utilization of funds.

Circumstances like certain ****sharing bikes taking users' deposits without knowing what for will never happen in the insurance industry;

2) Solvency regulation

According to the guidelines and requirements of the regulation, at the end of the quarter and at the end of the year insurance companies are required to set up exhaustive mathematical models, and to submit stress-testing reports, to make sure that they have the ability to ensure that they will be able to survive at a 99.5% probability that they will not collapse no matter what event occurs, it will not fail.

Simply put, the regulation requires every insurer to be able to withstand a catastrophe that occurs once in 200 years (something like the Wenchuan earthquake is a 30-50 year event).

Solvency of more than 100% is the minimum requirement, if you can't get to the CIRC will make all kinds of restrictions on the insurance company: suspension of the opening of new branches, suspension of the issuance of new policies, suspension of the sale of products that take up too much capital, and so on.

Insurance companies are strictly regulated, and the probability of them going out of business is very low.

But if they do fail, and are on the verge of bankruptcy, we still have the Insurance Guarantee Fund (IGF) to give them a hand:

The IGF currently has assets of 120 billion yuan, and whenever an insurance company is in danger of failing, the IGF will come to its rescue and help it to survive.

Whenever an insurance company is in trouble, the Insurance Guarantee Fund will come to its rescue and give it a new lease of life, and then it will retire with its name hidden.

Since its establishment in 2008, the fund has made three attempts to help insurance companies, the first for Xinhua Insurance and the second for Chunghwa Insurance.

As things turned out later, NIC went public and became one of the 'branded companies', while Chunghwa, now, is one of the most solvent insurers.

The most recent outpouring was last year, when Anbang Insurance was taken over and the 'Insurance Protection Fund' pulled in another favor.

Even so, what happens when an insurer can't survive?

Articles 89 and 92 of the Insurance Law:

If an insurance company is revoked by law or declared bankrupt, its holdings of life insurance contracts and liability reserves must be transferred to other insurance companies. If no transfer agreement can be reached, the Insurance Regulatory Authority under the State Council shall designate the insurance company to receive the transfer.

According to the insurance law, if an insurance company does go bankrupt and close down, the policy will be transferred to another insurance company.

That's fine, it's just a different company, and the designation will still pay out.

All that said, just remember one thing:

Small and large companies are the same! I'm sure you'll be able to pay for all of them!

You have a very safe policy in your hands! Big and small companies are the same!

Look, regulation is worried about that policy in your hand, what's not to worry about?

For families, all you have to do to allocate insurance is remember 1+4+X.

1 refers to social security

4 refers to the four major personal insurance, including critical illness insurance, medical insurance, accident insurance, term life insurance

X refers to some of the more appropriate property insurance, such as car insurance, homeowner's insurance and so on.

1, social security

Commercial insurance is the clothes, social security is the bottom.

No matter what, the first thing you need to do is to insure social security, which is a basic benefit for all people.

Social security is what we often refer to as "five insurance and one gold", including basic pension insurance, basic medical insurance, unemployment insurance, industrial injury insurance, (maternity insurance), housing fund

And many parents do not know that there is a children's health insurance, that is, the child's medical insurance.

It's very cheap, you only need to spend 100-500 dollars per year (the state will also subsidize 40-60% of the premium), and you will be reimbursed 60-90% of the medical expenses.

Newborns can be insured as soon as they land, regardless of their medical condition. And if you enroll within three months of birth, you are reimbursed for any medical expenses incurred between those three months.

So whether adults or children, before you consider commercial insurance, be sure to match the basic national benefit of health insurance.

2, critical illness insurance

The so-called critical illness insurance, insurance is a major disease,

such as cancer, such as cardiovascular disease.

Once you have a serious illness, not only does it cost money to treat, but you may not be able to work for a few years, which is a big loss.

Critical illness insurance is a pay-as-you-go type of insurance, which is what some salespeople refer to as "pay-as-you-go".

Once a claim is made for certain illnesses, the money will be given to you in a lump sum.

Buying a 500,000-premium policy, the insurance company will credit the 500,000 directly to your account.

This money can be used for treatment of the disease, rehabilitation care, or to pay off a mortgage or car loan while you have the disease,

.

Critical illness insurance is configured in such a way that the sum insured comes first, with priority given to making the sum insured as high as 500,000 dollars.

If there is a more adequate budget, then consider a higher amount of coverage or a fuller range of responsibilities.

If the budget is insufficient, the problem can also be solved by reducing the liability or shortening the period of coverage.

Children's critical illness insurance is very cheap, as little as a few hundred dollars can be dealt with, and children's high incidence of critical illnesses can be doubled, leukemia, such as buying 500,000 will be compensated for 1 million.

Adults and children are recommended to buy a copy.

3, million medical insurance

Also for the disease and medical treatment,

Million medical insurance is a reimbursement system, spend how much reimbursement.

It can be said that it is the most practical insurance for the family, everyone should buy a copy.

Whether it is because of a serious illness or accident, to be hospitalized.

Removing the social security reimbursement, removing the deductible of about 10,000 yuan, the rest of the hospitalization, surgery, nursing care, medication, all kinds of examination fees, etc., the insurance company will be able to reimburse,

The highest can be reported to a few million, while the premiums are only a few hundred dollars a year.

4, accident insurance

As the name suggests, accident insurance is accidental.

The so-called accident, must meet: foreign, sudden, unintentional non-disease these conditions.

Like heat stroke (not sudden), self-inflicted suicide (not unintentional) are not covered.

And then like sudden death, originally sudden death is mostly caused by disease, according to the definition should not be insured, but now a lot of accident insurance are added to this item.

What is an accident?

Large traffic accidents, typhoons and earthquakes, drowning and electrocution;

Small bruises, cat scratches and dog bites, cuts and burns.

All within the range of accident insurance.

The liability of accident insurance usually includes three items:

Accidental disability, accidental death, accidental medical treatment,

Accidental death, that is, because of the accident hangs up, the insurance company will be in accordance with the agreed amount of coverage, a direct payout of money.

Accidental disability, refers to the accidental disability, usually, the insurance company according to the amount of insurance multiplied by the disability level, pay a sum of money.

First-degree disability is the most serious and pays 100 percent of the sum insured, second-degree disability pays 90 percent, third-degree disability pays 80 percent, and so on until tenth-degree disability, which pays 10 percent.

Accidental medical treatment means that the insurance company reimburses the medical expenses because of accidental injury products.

In the accident insurance, it is recommended that the one-year accident insurance.

The one-year accident insurance is easy to renew, the premium is cheap and stable, 500,000 coverage is not more than 200 dollars, so you can buy a year.

And long-term accident insurance is usually several times or even dozens of times more expensive than one-year accident insurance.

5, term life insurance

Life insurance, insurance responsibility is very simple, in the coverage period, death or total disability will only pay.

A family breadwinner, the oldest and the youngest, this time if you are not there, not only can not bring income to the family, and the debt are left to the family.

Life insurance was born to solve this problem, life insurance for even if one day the person is gone, but also the future should earn the money left behind, as a legacy for the family to continue to contribute.

Life insurance can be divided into three categories: one-year life insurance, term life insurance, whole life insurance

One-year life insurance is cheaper in the short term, but in the medium to long term, premiums are more expensive, and there are also problems with renewal, which is not recommended.

Whole life insurance covers you for life, and you will die, which means you will get the money back sooner or later, but the premiums are too high for the average family.

For more than 95 percent of families, the best thing to buy is term life insurance.

The so-called fixed life means that if you die within the coverage period, you will get a payout. Death here includes illness, accident, natural death, and even suicide two years after taking out the policy.

The coverage period of fixed life is usually up to age 60/70.

Waiting until old age, the children grew up, the burden on the body is much lighter, the main labor force at home is not their own, there is little need to buy life insurance.

As for the amount of coverage, focus on how much you will lose for your family if you are no longer around.

Generally speaking,

The total amount of life insurance coverage for the entire family = family debts and loans + children's education costs + parental support costs + 5 years of family consumer spending.

Children have lighter family responsibilities and are subject to a maximum of $200,000 by law,

Do not buy it for your children.

6, home insurance

Now a set of house, moving is a family of three generations of blood and sweat, expensive.

Fire, flooding, bombing, earthquakes, no matter what kind of loss of home, we do not want to see.

Then you might want to pair it with a homeowner's insurance policy that can cover millions of dollars in damage for a couple hundred dollars a year.

There's nothing fancy about picking a home insurance policy, and it's recommended to have targeted coverage for your home area.

If you are in a coastal area, focus on whether typhoon coverage is enough;

If you live in a mountainous area, focus on mudslides;

If you are in an earthquake-prone area, focus on earthquake coverage;

If the neighborhood is frequently burglarized, focus on whether it includes anti-theft liability.

For the average family of three, a product planner looks like this:

With a clear idea of the configuration, you can reach this product planner according to different budgets.

The specific program can refer to my article:

Three sets of insurance program, a one-time solution to 80% of the family's insurance problems

The problems of the insurance policy exist in all shapes and sizes, far more than these five,

For example, a certain friend once asked:

"Gongzi, I bought a good medical insurance long-term medical

For example, a friend once asked:

"Sir, I've got Good Care Long Term Care, Good Care Hospitalization, and Good Care Cancer Care, do I need anything else?"

This friend bought three medical insurance, the first two are million medical insurance, the third is cancer medical, but also are millions of coverage,

The three itself is no problem, are good insurance, but buy on three, this is more or less a problem,

Because of the medical insurance, it is to follow the principle of compensation for the loss of the reimbursement will not be more than the total amount of the actual spending, and they can not be

And all of them are millions of dollars of coverage, after social security reimbursement, the vast majority of people can not use these millions of dollars of coverage,

So, when picking a million medical insurance, just pick a good one, basically enough to use.

Then again, some people think that critical illness insurance is very expensive, so only insured 100,000, 80,000,

This idea should never be, think of ICU, often 1 day of 10,000,

Once the unfortunate suffering from a serious illness, this money is likely to be insufficient,

So we always say that critical illness insurance must be done to the full amount of coverage.

And then again, for example, does not meet the health information,

Many friends simply do not know the existence of health information, which is very scary,

You have to know, if the insurance does not meet the health information, to the time of the claim is likely to be refused,

So in the purchase of insurance, be sure not to forget the health information, in line with the assured to buy, does not meet the do not force. The company's website is a great source of information about the company's products and services.

Buying insurance is actually very simple,

Avoiding the wrong thinking, understanding the correct configuration of ideas,

according to the risk they may face, configure the appropriate insurance.

Of course, each family's situation is different, and the details of the configuration will be different,

But as long as you capture the essence of the insurance, it's not really difficult to buy the right product.

If there are still any questions or do not understand, you can also private mail or leave a message below.

That's it.

More insurance configurations welcome attention to wu da cai zi buy the right insurance to save half the money