Why do many people say that in Chinese mainland, only social security and auto insurance are worth buying?

Yes, the current insurance companies are a group of "liars", with so many employees, so high wages and so luxurious office space ... where the money comes from is self-evident. If you can't afford it, you won't. If you can, pay as little as possible. It's normal to push things around and play a lot of word games. However, ordinary people simply can't play with these social elites. Judging from the current insurance industry (no matter which insurance company), you really can't buy anything except auto insurance. Social security and medical insurance are both issued by the government, and their credibility is beyond doubt. For example, as long as you are insured, no matter whether you have a medical history before, you can basically reimburse a large part, which has a certain welfare nature. What about the insurance company? The original purpose is to make money, the more the better. Anyone with a medical history, or a healthy person, can find a bunch of reasons to go, basically hopeless, or need to make great efforts.

You can't explain the problem without comparison. It is a fact that China's insurance reputation is poor, and it is useless to make excuses. Let me tell you an insurance experience abroad for your reference.

As a result of studying abroad, it is customary for schools to recommend students to buy insurance. The initial mentality of foreign insurance is also skeptical, because the image of domestic insurance is still affecting us, so we bought insurance with the mentality of spending money to buy peace. My annual premium is about 400 yuan, which should be about 2000 yuan according to the foreign exchange rate at that time.

There are many contents of insurance, and the following are worth remembering:

1. medical insurance: all medical expenses and hospitalization expenses are fully reimbursed; During the period of hospitalization, 200 yuan's allowance is provided every day.

2. Property insurance: if personal property is lost or damaged under certain measures taken by individuals, they are entitled to compensation of 200,000 yuan;

Property losses caused by smoking and other personal reasons, enjoy the compensation limit of 200 thousand yuan;

For personal reasons, if smoking causes property losses to others, you can enjoy a compensation limit of 200,000 yuan.

In case of kidnapping, the insurance company will provide a ransom of 200,000 yuan.

4. During the trip, there is certain insurance compensation for the missed plane and car caused by non-personal reasons, if it can be proved.

……

About three months later, due to personal reasons, the personal cash loss was about two thousand dollars. After reporting to the police and applying for insurance compensation for one month, the compensation was 1000 dollars!

Why not pay in full? My loss is that the cash was stolen, and the amount is just my statement. The only proof I can provide is that my landlord saw that I did carry a lot of dollars with me, and the loss of my wallet was really related to my poor personal custody!

In the whole compensation process, I only did the following things: call the police, compensate the insurance company, provide the landlord's certificate and collect money! There are no other disputes and disputes, and everything is done according to the contract! Peace of mind!

The insurance cost about 400 yuan, and people paid 1000! I also enjoyed free medical service! It's over 60 to get a haircut!

If you have this kind of insurance, you don't need to hire many people to lobby! My city is not very big, about 200,000 people. The total number of people I have seen in this insurance company is no more than three (one counter and two salesmen)!

Later, some students said that foreign glasses were very strict and of good quality, and the insurance company also reported it. But I thought to myself: it has already lost hundreds of dollars on me, so forget it!

Doing insurance means doing credibility and protecting the credibility of both parties. Whether to make money or not is not just in the long list! Obviously, we lack such credibility!

Because everything else is deceptive, otherwise the insurance company makes so much money every year.

This answer is basically correct. From the customer's point of view, there is only one indicator to verify the quality of insurance. It's payout ratio, which is the ratio of insurance payout to income. It is also the standard of insurance pricing. Social security and auto insurance pay a higher proportion. Generally around 60%. Therefore, customers relatively agree. For the vast majority of insurance, payout ratio is too low, close to zero. That is to say, only premium is charged, no fee is paid, or even very little. It is earned by insurance or agency. Common ones are long-distance bus passenger insurance, scenic accident insurance and aviation insurance. It's basically for profit.

Let's start with a conclusion. Apart from social security and auto insurance, other domestic insurance is really not worth buying.

Unreasonable product design (many word games)

The product design is unreasonable, because when designing insurance products, insurance companies evade a lot of responsibilities that should be compensated, and design the content that should be compensated as no compensation. For myself, when I was in junior high school, my parents gave me a marriage insurance. At that time, the salesman told my parents that as long as you pay 18 years old, you can get 10000 yuan. At the age of 18, I went to the insurance company for money. It's the same salesman He told me that the marriage insurance contract has changed now. I 18 can only get 3k, 3k at 23 and 4k at 25. Moreover, the right to interpret this insurance belongs to the insurance company. I paid a total of about 8,000 yuan, and I can only get 3,000 yuan in seven years. Not to mention the devaluation of the currency in recent years, even the bank's interest has not outperformed, and the money can't be taken out immediately.

Offline insurance is really a pit.

Many insurance companies that insurance salesmen enter because of unemployment are not familiar with the insurance they sell, but only push insurance for the sake of commission. Take Ping An Fu as an example, offline salesmen push the most. On the surface, it is mainly whole life insurance (main insurance)+lifelong critical illness insurance (additional insurance)+long-term accident insurance (additional insurance). This kind of insurance is also recommended by most salesmen. This insurance costs more than 3000 a year. In fact, these types of insurance can't reach so much money. Many insurance salesmen are witty and eloquent. Various cases of love and responsibility come one after another, but the essence is always irrelevant to the liability clause. Even if you ask him for compensation, he doesn't know if he can. A sales company is not the core of cultivating products, but selling for promotion.

Difficult to settle claims

Many salesmen say everything just to promote sales, and then when customers really go to claim compensation, insurance companies start to wrangle and come up with some treaties, which are completely different from what you promised at that time.

A friend of mine who has done insurance once told me that insurance is a kind of legal fraud.

The original intention of insurance is good. It is a means to help people resist risks. The reason why insurance is "notorious" in China is mainly because its employees don't play well, all kinds of promises before buying, all kinds of flicker, no risk warning and so on. As a result, many people can't get the corresponding compensation after purchasing, so slowly, more and more people don't trust insurance, but in this case,

social security

Strictly speaking, social security is not an insurance product. The main items of social security include endowment insurance, medical insurance, unemployment insurance, industrial injury insurance and maternity insurance. This is a welfare policy implemented by the state, which is shared by individuals, enterprises and the state. There is no actual contact with insurance companies. If conditions permit, I suggest you choose to apply for social security. After all, this is for your future.

automobile insurance

Why do many people buy auto insurance? First, the probability of auto insurance is extremely high. Compared with insurance products with extremely low probability of occurrence, such as critical illness insurance and accident insurance, auto insurance is a safeguard measure because of its long service life and extremely high trigger probability. Second, auto insurance claims are fast. In terms of claims, unlike other insurance products, auto insurance is the most refreshing insurance for insurance companies. This is mainly because there are too many insured users and the price of auto insurance is high, which is an important source of income for many insurance companies. If auto insurance claims, like other relatively deserted insurance products, set various claims restrictions and exploit various loopholes, then many people will not buy auto insurance, which is not worth the loss for insurance companies.

1 from this point of view, the topic does not distinguish the difference between social welfare insurance and commercial insurance, which is somewhat unprofessional. Let's talk about the difference between commercial insurance and social security.

Social security is essentially a social welfare security system and an income transfer system, which can adjust the income gap. It is also a social welfare that involves the basic guarantee of five insurances for individuals and families. We solve personal medical care, pension, unemployment, work injury and maternity protection through social security.

An insurance company is a commercial organization. The essence of commercial insurance is commercial contract. Insurance companies and individuals are a game relationship. When you want to have a risk loss, the insurance company can compensate, and the insurance company hopes to reduce the probability of claim settlement to make more money. This is a business involving decades of contracts, which is essentially different from the welfare system. Moreover, there are many exemption clauses in commercial insurance contracts to reduce the probability of claims, and only the risk losses that meet the clauses can be compensated.

2 The difference between life insurance and car insurance

Personal insurance commercial insurance mainly refers to health insurance, such as medical insurance, accident insurance, critical illness insurance, etc., which is the basic combination of personal health insurance. Term life insurance will join the family economic pillar to form a complete guarantee. Health insurance is mainly to spend a small amount of money to incite high insurance coverage, so that insurance companies require individuals and families to bear the huge expenses and risk losses caused by diseases and accidents.

Auto insurance belongs to the type of property insurance in insurance, not for people's protection, but for people's property protection, involving fixed property, mobile property and so on. The theme is different. Auto insurance is also a small probability event business, and it is also a compulsory insurance for every car owner to solve the risk of vehicle loss and expenditure caused by traffic disputes and accidents. Allocating auto insurance to your car to avoid the risk of uncertain loss of the vehicle is also a gambling contract with the insurance company.

We follow the basic principle of social security before commercial insurance. Social security belongs to the social welfare system, and it is also the most basic guarantee for individuals and families. Only when we have spare capacity can we consider personal commercial health insurance protection, while auto insurance belongs to people's property protection.

I bought a wisdom star for my children, and everything is safe. A wise star pays 7378 a year for several years, and a minor operation costs more than 5000 yuan. There is also Ping An Fu 7000, which has a small accident of several hundred yuan every year. I want to claim compensation, but I can't believe I don't have claim insurance. I want to swear. This kind of insurance is really speechless.

In addition to social security and auto insurance, the student insurance of commercial insurance is the most reliable, and other insurances can basically kill one.