Because of the diversity of consumer, everybody teachs degree different, can the insurance company of bring into contact with and product are different, different also to the understanding of financial common sense, the cognitive level to insurance is so uneven, not certain everybody accepts good safeguard concept, alleged it is difficult to cater for all tastes, be not being understood also is very normal.
Going straight towards radically reform, return to the concept of insurance essence, we arranged 7 Everyman in buying insurance process, the error that often is immersed in, if everybody can read these 7 patiently, I dare guarantee, buying insurance on this thing, nobody can hole you.
Error 1: Treat a disease unhealthily, return without disease this
Often receive similar be as follows seek advice:
Hello, can recommend the sort of treat a disease unhealthily, don't have disease to return this safe?
See this kind seeks advice every time, can judge this user basically very few to safe understanding, be in the phase that still does not have an introduction. Not strange also nevertheless, majority person is this kind of thinking, also be before the author.
When some friends are buying serious illness risk, the insurance that returns insurance cost can be returned when can thinking, what return than be not being returned certainly is good, reason is very simple, insurance company gives money in vain, the ability with only broken head does not want.
The fact is really such, the serious illness risk that we are close to with 2 safeguard is exemple
30 years old of males, cast protect 500 thousand serious illness, 20 years capture expends:
The day installs healthy source 2: Can be in 66 years old / 77 years old / 88 years old / 99 years old, the place that get pays insurance cost;
Life of health of an ancient name for China: Cannot get return return insurance cost, be in only serious illness / die just can be obtained keep the specified number.
We see kind of one similarly hereinafter is to be below the 500 thousand situation that keeps cost of 20 years of the forehead, pay, after all be to one's profit of which kinds of insurance?
Return for 66 years old return insurance cost, same 30 years old of males need every year to pay the insurance cost of 56% more, 77 years old are returned should pay the insurance cost of 21% every year still more.
Chinese consumer likes to return return insurance cost, return returned petty gain to hold insurance cost, make the money of 20%-60% every year more. Return to moment actually this money, the natural appreciation after itself hands in insurance cost every year to be in a few years more namely.
Such frankly speaking it doesn't matter are actually bad, still pay insurance cost besides how to return, still be like next malady:
Mention predecessor incident: If did not live to be 66 years old with respect to die, so feel embarrassed, the 60% insurance cost that pay every year more were handed in in vain, like be the same as other insurance, it is compensate pays keep the specified number, can not give you more.
Take up budget: It is insufficient that majority person buys safe budget, it is the most important to buy insurance it is to protect the forehead to want Gao Cai significant, if be returned to return, must pay a lot of insurance cost more, do not have redundant budget to buy so keep the specified number higher other perhaps and safe.
Still have another case, return in order to return model accident danger is exemple, of 99% return accident still danger I am to be not recommended buy.
Insurance company is not charitable organization, all products are the result after essence of life calculates division to calculate, a lot of moment it is not easy that we want money with him parents, want to take insurance company petty gain, think a bit more? Bum guarantees not beautiful money, this kind of thing can happen in fairy tale world only.
Error 2: Buy insurance trashy, money was spent in vain
To consumption kind weigh the insurance such as disease risk, fixed birthday danger regularly, consumer feels " bought insurance to expire trashy to, money was spent in vain " , the feeling is very deficient, beautiful is injustice money.
Above all we should know a fact: Insurance is a kind of consumer goods, it is the contract that you spent money to buy to suffer law to protect, bought the serious illness risk of 500 thousand for instance, can get according to the contract compensate pays 500 thousand, perhaps bought a place difficult of access of 1 million birthday, die is OK compensate pays 1 million.
Although these ensure us to cannot see, feel do not wear, but existing really however, and when insurance company essence calculates, these safeguard are having cost.
If everybody decides him 100% won't get heavy disease, perhaps won't bring about die as a result of the accident, need not buy insurance so, because bought affirmative also compensate not, because you had decided yourself won't serious illness or die.
Return some the person will be interrogative, I bought to protect 20 years fixed birthday danger, if after 20 years time-expired without be or get out of danger, so is this money to hit water to float?
I should say this money did not hit water to float really, and this money is spent very value. Because,China has 500 much people everyday traffic accident die, because cancer dies,have 7500 people. Disease and accident happen possibly on him body at any time, although such probability is very small, once produce a family,can be being brought will be annihilative blow, be sure even if make us beautiful a few the happening that money will come to ensure this very small probability, the pecuniary loss of avoid family.
If we bought a fixed birthday a place difficult of access that ensures 20 years,say so, return after 20 years living, want what thank god first to hang down above all love, lived 20 years again, it is the money that you make only insurance company uses manage compensate others, if you died, insurance company also is met be out of pocket gives you. Come with very few money avoid does die risk of 20 years not worth? Not when oneself family member or friend appear the value that miserable example just considers to be sure!
Error 3: Buy insurance, dare look for acquaintance only
State above all, the author is unprejudiced to looking for acquaintance to buy insurance, a lot of people are the acquaintance that search buys insurance, do not object everybody buying insurance from inside kin, friend, 8 million insurance of Chinese is procuratorial, the development that is insurance industry brought graven contribution.
But attention, buying insurance to dare seek the unspoken words in a play left to the understanding of the audience or reader that acquaintance buys only is: My elder sister / my younger brother / the classmate of my little sister / my neighbour, won't always cheat me? Looking for acquaintance to buy insurance actually is no problem, a premise that needs to hold only can: This person is professional, the circumstance that can be aimed at you recommends the product that fits his, had better a variety of products undertake contrast, can measure a body custom-built. Major salesperson sells the product of an insurance company only, have very big limitation, consumer wants as far as possible much contrast a few products decide again.
Insurance company has a lot of to sell word art, a lot of new personality may groom ten days can mount guard was sold. A few salespersons that a lot of people spit him chamfer to encounter on the net are professional without him still even. . .
Similar case still has, a lot of people have blind from numerous psychology, think others can buy him accordingly. Circumstance of structure of the economic atmosphere of different family, personnel, budget, body and risk preference are actually distinct, fit the product of others, do not suit oneself certainly really.
Buy insurance to must suit his so, no matter kin is recommended, still the friend has been bought, suggest first anatomize, move not blindly, bought be being retreated again is to want deficit of many money.
Error 4: Big company is good, expensive is good
The product with a safe sunshine has been recommended to a lot of people before me, a friend says with me so:
The product that you recommend is quite good really, but it is a few small companies, can you recommend the product of a few big insurance company?
See such problem I am very without of language, china has nearly 200 insurance company, not be everybody those who had listened is big company, doing not have those who had listened is small company.
Life common sense tells us: A minute of price a minute of goods, petty gain does not have good money, good money is not cheap. This is the summary of past experience of life, wait in commodity, home appliance consuming kind of product domain is applicable, because the price is transparent and compete adequately. But in medical treatment and insurance the domain of asymmetry of these two information, "High price buys fake not easily " it is not rational. Reason is as follows:
1, as a result of information asymmetry, you do not have method to judge the stand or fall of commodity, good likelihood sells low, bad likelihood sells high price, this kind of example is very much.
2, insurance and medical treatment are same, need suit the remedy to the case, act according to actual circumstances, the ability that suits oneself is best, not be expensive certainly instead. Get a cold to hit an a bit to be treated with Western medicine be in hospital bad, chinese traditional medicine a few pairs of medicine cured, on such example net and had had beside me.
The product that is not big company so is good, also not be expensive it is good. Our contrast has analysed ten restful and subordinate products before, it is serious illness risk likewise, it is the product of a company likewise, different product value may have be close to the difference of 1 times.
This kind of circumstance happens in not only restful, be in other all insurance company are existence, every insurance company has thousand about a hundred product, calculate everybody make choice of same home insurance company, it is OK that that also does not represent all this company products buy without the head. Buy without the head, what be in an unfavorable situation finally is him certainly.
Besides, a lot of people can worry about the security of small insurance company, actually the country has to insurance industry strict superintendency and a variety of deliverance measure, in order to make sure our guarantee slip safety is effective, we are done not have really necessary hold this heart.
Of Chinese finance 3 drive carriage bank, negotiable securities and insurance, bank and stockjobber had gone bankrupt, but insurance company is done not have however. The meeting that keep watch has specific provision, calculate insurance company to go bankrupt, the product that insurant has bought also won't be affected.
Error 5: Floriferous dot money, buy an easy manage compensate
Be based on favor society of China, what major person looks relation and background is more important than bond and law, the concern that a lot of people stem from pair of insurance manage compensate and do not understand, think even a bit more floriferous money buys compensate of an easy manage, this attributes the problem of more babyish absurdity, the insurance product that even clerks of a few big brand insurance company publicize oneself manages more easily compensate, it is to not have really language!
About manage compensate whether difficult question, sum up core conclusion:
1, insurance compensate is not insurance company said to calculate, should be with insurance contract however accurate. Because you have relative,won't work in insurance company, even you are this insurance company employee, reasonable compensate when can take care of you, of course also individual of some of won't sedulous create difficulties for sb, everything is with the contract accurate.
2, insurance company is giant, the orgnaization of detail of division of labor, regulations system is very mature, the standard of manage compensate is completely according to law of product clause, relevant medicine how-to, company operates a guideline to undertake. Still have a bit, insurance sale and cent of insurance manage compensate belong to 2 different branches, the sale cannot intervene impossibly also manage compensate.
3, the standard that insurance company cares you to whether can achieve manage compensate only, and who is caring you! Remember this!
Remind everybody again, product compensate, how compensate, be written inside the contract actually. If product should compensate, insurance company lends him a few courage also not dare not compensate. If the product is original not should compensate, calculate your kin to work in insurance company, also be won't of compensate.
Error 6: I want to buy risk of a serious illness only
Above all we want to know, insurance is finance 3 drive one of carriage, have very high threshold and camp, proposal Everyman should exist to the thing that does not know a few awe-stricken, and do not want assume sth as a matter of course.
For instance a lot of people think buying insurance is to buy risk of a serious illness, actually this is the idea of special shallow, different insurance has distinct effect, the insurance plan with a perfect safeguard is a combination.
Accident danger: The die that prevents to be brought about accidentally, disable, accident medical treatment, 1 million keep the specified number also 300 yuan two, insurance cost won't increase as the addition of the age. Accident danger basically ensures: Remedial charge (disable only, medical treatment has) + the income loss of insurant + the family is indebted (room, car is borrowed etc other and indebted) + children teachs expenditure + accompany the income loss that protects a person (disable, medical treatment has) + other charge.
Weigh disease risk: Accord with standard diagnose direct compensate pays keep the specified number. To pay model, belong to income compensation danger, meet with suffers from serious illness to be able to be passed one-time keep the specified number to what pay, can a few years time does not work, absorption treat a disease, how to treat go which are treated, oneself said to calculate. Serious illness risk basically ensures: Cure is protected outside compensatory cure charge + the income loss of insurant + the family is indebted (room, car is borrowed etc other and indebted) + children teachs expenditure + accompany the income loss that protects a person + other charge.
Fixed birthday danger: Insurant accords with condition of insurance contract die namely compensate pays, even guarantee slip commits suicide 2 years completely also compensate pays, appoint beneficiary beneficiary or legal beneficiary beneficiary all but. Everyman ignores decide birthday the most easily, because be protected dead,do not protect unripe, so a lot of people abstain from mention, do not be willing to buy, but everyday the whole nation because the thousand of accident and disease die gets online, who is unwarrantable also do not happen on him body. It is OK that fixed birthday danger suggests to be protected, those who protect is too long too expensive disagreement calculates cost. Fixed birthday danger basically ensures: The income loss of insurant + the family is indebted (room, car is borrowed etc other and indebted) + children teachs expenditure + other charge.
Medical treatment danger: Submit an expense account model, insurance upper limit cannot treat expenditure more than, can early days pay for sb and expect to be repaid later (partial product is OK pay for sb and expect to be repaid later) , the majority of be in hospital treats cost to all can submit an expense account, do not be restricted cure is protected outside, but submit an expense account have strict regulation. Medical treatment danger basically ensures: (national medical service is protected submit an expense account charge + 10 thousand) besides the charge that accords with a condition submits an expense account basically. The insurance cost of medical treatment danger can increase as the addition of the age, lever will be smaller and smaller, weigh disease risk so or want preferential configuration.
Be sure and not be equal to serious illness risk, and it is good to do not want to think of course to buy risk of a serious illness. It is serious illness risk to return can evolution comes out ten sort: Consumption, return still model, share out bonus, all-purpose model, for many times compensate pays, light disease exempt, shift to an earlier date to pay etc.
The student that major of a lot of insurance graduates, need to study a little while cautiously when seeing a new guarantee slip, so Everyman if assume sth as a matter of course thinks insurance is very simple, so the possibility that the product that buy a fault is in an unfavorable situation is definite very big.
Return somebody to expect to weigh disease risk to solve all problems through, be like it seems that so is simple save trouble, safeguard is comprehensive. But we need to realize, a lot of additional risk that take carry out not only price inconvenience appropriate, and safeguard may be not quite good.
Cite a case, risk of very multiple disease is additional medical treatment danger, keep the specified number not only very low, and after if become us,compensate of manage of be in hospital passes, did not have method add to protect. And the more outstanding medical treatment narrow pass that makes on the market at present, it is OK still to calculate meet with to contract cancer the 2nd year add is protected undertake submitting an expense account.
Suggest everybody does not expect to weigh disease risk to solve all insurance problems through only so, such idea itself is existence problem.
Error 7: Excessive buy insurance to old person child
It is good that a lot of people buy safe heart, but good intention of a lot of moment mismanages thing, want to buy serious illness risk for old people for instance, or cost too much budget to buy insurance for the child.
Have a case, father did 360 degrees of all-around safeguard for the child: Accident, serious illness, medical treatment, educational gold, but regard domestic economy as pillar oneself, still be streaking condition however.
Everybody must remember, what high specified number should configure to be sure most in a family is income highest, have most " Qian Jing " that individual, had insurance to consider domestic economy pillar flat, safe also can compensate pays many, unapt invite domestic get into trouble immediately.
Tell from economics, the child is a family is indebted, only beautiful do not earn; Adult is domestic asset, provide income source, maintain domestic spending, so insurance configuration should emphasize particularly on more adult. Although a lot of popular feeling manage,go up very at odds, but objective fact is such.
The budget that if the family is true,I feel is limited, might as well buy a periodic to weigh disease risk for the child, 500 thousand keep the specified number, protect 30 years to perhaps be protected, charge of a year still also is less than 1000 yuan 1, the insurance with save the Qian Ke that come down to be done in order to give adult better configures ability significant.
8, adscript:
Buddhism has a word, buddha ferries person having a reason.
Actually I feel insurance also is same, the person circumstances or style of departure on the road is hurried, there are two kinds only in my eye, one kind is to buy insurance, one kind did not buy insurance.
When disease and unfortunate advent, besides religion, perhaps insurance is we help additionally one times straw.
Lending this implied meaning today, arrange the common error that buys insurance, the hope can be helped get authority, also welcome everybody to leave a message discuss, illicit letter communicates, feel useful to welcome to share the close friends beside.
