Had gone 2019 1/4, a lot of friend made his 2019 annual plan, a lot of people make the insurance program of a whole side for oneself, this idea nature is good, but Xiaosi feels if you did not see this strategy that prevent cheat, still fasten actuation consumption to breath out first.

What? Do you say to the strategy that prevent cheat sees even before buying insurance? Of course, this is bought with your girl the strategy should be being made first before protecting skin to taste is same, after all a product suits everybody impossibly, want to carry the rightest product, should jump over first a few " hole " , catch those who allow oneself to appeal to next beg, OK.

Xiaosi buys safe way a little with everybody today, often encounter a few " hole " .

Say a few first " primary hole " , just as its name implies, insurance Xiaobai falls into easily " trap " :

Make range of not clear safeguard

The hole that buys insurance to appear the most easily actually makes range of not clear safeguard namely, everybody is understandable also to sell misdirect, the salesperson says this can be protected only, that also can be protected, but disclaimer or a few content that do not protect, disregard optionally.

accordingly, just brought about dispute of compensate of a lot of manage, some friends say he bought serious illness risk, diagnose got cerebral cyst later, taking guarantee slip to go insurance company claim for compensation when, insurance company came sentence, I am sorry, you this compensate not.

Why? Because its insurance contract still has a compensatory specification, a few kinds of diseases such as hemal like cerebral cyst, head disease are except, so Xiaosi emphasizes again and again, buy insurance must oneself look carefully clause, right contract, do not want a salesperson to say what is what.

Exaggerated conduct financial transactions secure income

When this is uncovering secret make a good beginning, xiaosi also has been told, salesperson of a lot of insurance is the interest rate upper limit that appears according to the likelihood it is limiting value even will to everybody say a product, and actually it is to cannot assure profit.

Danger of share out bonus (universal a place difficult of access) the investment that attributes a kind of long-term, dovish, low interest, is not the deposit that can take out capital at any time. Annual product is not fixed, but two are nodded jointly, everybody must be clear about:

1, share out bonus is unfixed.

2, all-purpose model the interest rate of account also is unwarrantable.

Regard insurance as bank conduct financial transactions

Some friends follow insurance product very easily bank conduct financial transactions delimits equal-sign, nevertheless this thing cannot blame everybody really, on one hand the bank can sell goods on a commission basis really the financial product of a few other, on the other hand, the bank that has job of a few asymmetry serves personnel, often recommend a few insurance products that oneself can take fast deduct a percentage from a sum of money to everybody.

This brought about a lot of friends to want to put a money only obviously, perhaps manage a money, of result muddleheaded bought portion insurance, when so everybody goes to a bank doing business must advertent. See well what is what you buy after all.

Health is informed fill casually

Still have salesperson of a few insurance, he gives odd amount for his, be in when selling, it is informal to say with the client health is informed fill, be no problem, insurance company is checked do not come out.

The letter of buoyant of a lot of friends, the result has an accident, look for compensate of insurance company manage, the family is checked, you this belongs to in spite of illness to cast protect, compensate not, was dumbfounded then.

This Xiaosi is more than also emphasized, it is very important that health is informed, product of a lot of insurance is good, good fortunately its health is informed very comfortable, see the value that health informs, this also is why Xiaosi persuades everybody to want to be informed according to the facts.

The lie was scattered when you think you are informed in health insurance company does not know, but the other people is reasonable compensate when all-round is checked to you, we buys insurance is not for manage compensate, spent so much money, compensate not thanks to.

Care about insurance company overly famous degree, thereby itself of oversight insurance product.

This also is a the commonnest error when a lot of friends buy insurance, of good company is good product, of small company is " sodden product " , can saying at this o'clock is without a basis, because bought restful blessing,see on the net how many person after that regret, you should understand.

How measuring a product is good product, price of the safeguard responsibility that what should pay close attention to most is insurance product, disclaimer, sex is compared, is not insurance company is famous degree.

See compare again " advanced " hole, diagnose of serious illness risk can compensate:

Strictly speaking, diagnose of serious illness risk namely it is not rigorous that compensate pays this kind of view, can say cancer is diagnose only namely compensate.

Chinese assurance society and Chinese doctor association were united jointly 2007 made " the disease definition with major safe disease uses a standard " , the disease disease of accept insurance of big to each insurance company is planted undertook unity, having 25 kinds of diseases must be protected.

So no matter you are bought serious illness is to protect 50 kinds, 80 kinds, still be 100 kinds, before 25 kinds keep a disease surely is same.

Why to carry these 25 kinds of sheet come out? Because their compensate pays scale to take disease risk,manage 95% of compensate, you are OK so understand, these ill ability are the big probability that we need to be on guard most serious illness, odds of other serious illness sicken are smaller.

And the definition that we describe to the contract had these 25 kinds of diseases classified, can divide roughly it is 3 kinds big:

The first kind: Diagnose namely compensate

The 2nd kind: Carry out some kind of operation ability compensate

The 3rd kind: Achieve some kind of status ability compensate

Compensate of 25 kinds of serious illness pays a standard classification

Do not cross afore-mentioned telling those, the compasses choose a site for the capital of every insurance company is unified, it is thus clear that we have heavy difficulty solely still is far insufficient. 1 million medical treatment are indispensable, after all our daily a lot of disease are the level that compensate of short of serious illness pays, at that time this part venture is assumed with respect to danger of need medical treatment.