The article turns from " manage compensate is helped " date of small letter public, manage compensate side gathers together expert of authority of dimension of compensate of manage of 1000 lawyers, insurance, here you are attainable authority of free dimension of insurance manage compensate seeks advice.
Small yesterday make up rest in midday time, with group agent talked about compensate of li of a senior manage a few, he asks the insurance since founding a state from new China practitioner exceeded 90 million, insurance company also has more than hundreds of, but why is our country major person accepted buy insurance?
According to data statistic, risk of average per capita is spent, the developed country is basic 2014 it is everybody 4000 dollars left and right sides, and China has 241 dollars only; Another is income of local insurance cost those who take this ground gross domestic product than, the United States had 7.3% only 2014, but the half that China just is less than the United States, have 3.14% only. No matter be,look from insurance industry or data analysis, we know all the time, the Chinese does not love to buy insurance, what reason be?
We talks about safe origin first, safe most first west of traceable ancient time, it is one of risk management methods with archaic the oldest west, its method with loss share, establish insurance fund with most unit and individual pay insurance cost, make the loss of a few member partakes by all insurant. As time passes, evolution became present insurance, be in so insurance consciousness this respect, hesperian has safe consciousness more. And China is from of old farming agrarian civilization, giving a risk often is to take his familial perhaps saving to solve.
On the difference of thought culture: The Chinese is put generally have greedy with fluky psychology, feel hapless thing won't happen on him body. Simple dialog reflects a present current situation however, see on newspaper a person buys lottery ticket medium 1 million, major person is met ready to do sth runs to buy, feel " perhaps I also have opportunity get the winning number in a bond " , feel " so lucky thing may happen on my body! " but if you see traffic accident one case on newspaper, 50 people had two people to buy insurance only, each compensate 2 million, you can feel these two people did not buy a fault, but you won't buy insurance, feel so " hapless is impossible to happen on my body " !
On economic base and social welfare: Although world of income of Chinese insurance cost the 2nd, but the safeguard that average per capita has is insufficient still. Be compared and character, the person of the developed country prefers to buy insurance, and the Chinese prefers to put money. According to statistic, american average per capita has 3.5 pieces of guarantee slip, japanese average per capita has 6 pieces of guarantee slip, hong Kong average per capita has 8 pieces of guarantee slip, chinese Taiwan also has 1.3 pieces on average each, and chinese mainland is average every 6 talents have 1 piece of guarantee slip, safeguard is far insufficient!
It is on insurance Wu mode and service: Everybody knows basically to be sure, but it is product end no matter, the sale is carried or serve end, what do is not quite good, insurance relies on the dilate of insurance agent mode, just enlarged dimensions, did not enlarge public praise however, bring about everybody to have a sense, it is not certain also to felt to buy can compensate pays. Before paragraph time, amount to a hospital some year, sell check-up card to be troubled by gave dispute, be complained in succession by the client, client feedback says to sell calorie of person attitude of attending to guests special good, can reach a hospital check-up, the doctor of check-up is taking technological process, the manner is extremely abominable, the user experiences feeling extreme difference.
Insurance why is not such, most person lacks insurance consciousness, did not perfect perfect insurance mechanism, and acknowledge is differ, bring about flicker of the person that be sure to sell by low end, bought the product that does not accord with oneself completely to need actually finally, had an accident, insurance company did not accord with the standard of manage compensate one sentence to come to an end.
Think carefully, small make up feel, most Chinese is not to not be willing to buy insurance, it is not certain also to felt to buy insurance however can compensate, spend that to treat unjustly money why, but, if be sure to manage,compensate can have safeguard, small make up think other issue is not a problem. Do you feel? The welcome leaves a message discussion ～
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