Insurance products that are sought after in the market today may not stand the test as long as they are carefully analyzed. If you accidentally fall into the pit and surrender your insurance, the premium you have already paid will be gone. If you continue to pay, the loss will be even greater. So if you buy the wrong insurance, do you want to surrender it? If you surrender, why don't you lose money? Can I return the wrong insurance? How much can I refund if I surrender? How to surrender in full?
It is common for children to get sick, and illness insurance is a matter of great concern to parents. Every time I take my children to the hospital, I gain a lot of experience. Should I buy insurance? How to buy? Why do you choose to buy unnecessary insurance? Although insurance is just needed, how to identify various traps inside?
Today, we specially invite Dr. MengMeng, a senior insurance barista in Snail Insurance Hospital, to talk about dry goods and comprehensively interpret the traps in critical illness insurance. What are the good recommendations for critical illness and critical illness insurance? I just sorted out the relevant contents, hoping to help you: take stock of the "worth buying" critical illness insurance of the top ten insurance companies!
The most difficult thing to explain insurance is objective neutrality. The following is her knowledge before the lecture, pure dry goods.
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I have a financial background. Since I have been engaged in insurance consulting services, I have spent a long time analyzing insurance policies for customers every day. 80% of the customers I face are white people. They can't tell the difference between good and bad products, and they won't look at them carefully after buying them.
The most frightening example is one of my classmates. She and her husband are both creative directors of advertising companies. According to her original words, the reason why she bought so much insurance was that she was worried that she would not see the sun tomorrow, because the news of sudden death of her peers was common. Her family bought nearly 40 insurance policies, paying more than 10 million every year, but all the guarantees add up to less than 300,000. Dozens of insurance policies cover less than half of the premium.
Why? Because most of these policies are actually financial insurance, but! The income is not higher than that of banks on a regular basis.
In my statistical case, there are two main types of people who buy the wrong critical illness insurance:
One is a single person with a strong sense of insurance. I found that I began to have some minor physical problems, or was affected by diseases and accidents of people around me, and I sprouted the idea of buying insurance to save my life. I happen to have a salesman friend around me, thinking about buying early and worrying early, just to let myself worry less!
The other is the mother. For many mothers, there is actually no feeling about insurance before marriage. The first insurance is basically for children, and most of them will be bought wrong or expensive. But as long as you have the ability, buy one after another and make mistakes again and again.
Relatives and friends take out insurance, go home once, give gifts, treat them to dinner, and finally feel embarrassed not to buy them. Impulse is a moment, and it is also a moment to make friends and make money. Buying a piece of garbage and holding it in your hand for life is a bitter pill to swallow.
Therefore, in the matter of buying insurance, it is especially necessary to be rational, and never follow suit.
According to China health statistics, in 20 16 years, 84 people died of serious diseases for every 100 people who left China. Critical illness and critical illness insurance can be said to have become just needed. In the insurance industry full of traps, how can we identify its authenticity? Today I will analyze the most important theme of critical illness insurance.
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For middle-class families, it may not be a big problem to spend a lot of money on medical treatment, but if adults are sick and can't work, losing their income is a big problem. Therefore, it is necessary for both adults and children to buy a critical illness insurance.
Almost every insurance company has its own sickness insurance, but some are true and some are false. Many people think that every company's products should be similar. In fact, truth and falsehood, good and bad, are worlds apart.
With the same level and amount of protection, the price gap between the best and the most fake is five times. It's also ten thousand dollars. Some people can buy 500,000 yuan, while others can only buy 65,438+million yuan. To put it bluntly, if you really have a serious illness, what is the difference between 500,000 and 654.38+ 10,000?
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What is fake critical illness insurance?
The simplest and most direct way: just look at the name. As long as there is no serious illness insurance in the main insurance, you may encounter "Gui Li".
For example: * * whole life insurance, * * whole life insurance (dividend type), * * whole life insurance (universal type), * * old-age security, * * old-age security (dividend type).
There are many old-age security in the market, but at present, only Health Life Insurance, Huaxia Fu and Health Source are really critical illness insurance, and the others are fake.
How does a whole life insurance pretend to be a critical illness insurance? Pay in advance for additional major diseases. The key point is that this additional insurance costs extra money! !
The so-called advance payment-originally the money to be paid for death, if you get seriously ill, go out to see a doctor in advance. In other words, critical illness and critical illness insurance occupy the insurance coverage of life insurance, and the relationship between critical illness and critical illness insurance and life insurance is not "and" but "or", but an alternative relationship.
Double the charge, but only pay one weight! This is definitely hooliganism.
The key point here: a real serious illness insurance: if you get a serious illness and lose money, if you don't get a serious illness all your life, you will lose money if you die, and you won't charge extra money for death protection. This is a standard critical illness and critical illness insurance.
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There are too many fake serious illness and serious illness insurance in the market, and they all have one thing in common: the price of fake serious illness and serious illness is usually higher than that of real serious illness and serious illness, and because it is the responsibility to pay in advance, the responsibility is generally not so perfect, such as fewer types of diseases, no small compensation, no exemption and so on.
The annual sales volume of fake serious illness far exceeds that of real serious illness. You can go to official website to check the data. 14 On February 4th, the China Insurance Regulatory Commission released the annual statistical data of 20 16, of which life insurance accounted for10.7 trillion, while there are not many whole life insurance in the real sense except a small amount of term life insurance in China, which means at least 65,438+.
When fakes are sold more than real goods, people will take fakes seriously. Typical bad money drives out good money. Insurance companies don't need to sell real goods at all, and they can make money by lying down and selling fakes.
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Many people say that insurance companies cheat people, and there are too many claims disputes reported online. The vast majority of claims disputes are in the insurance sector. Special attention should be paid to claims for critical illness and critical illness insurance, and the root of claims disputes often lies in insurance links.
If there is something wrong with the health notice column in the insurance link, this insurance is likely to be bought for nothing. Many mothers have said that the salesman of the insurance company said that as long as you are not hospitalized, you should check the health notice. As long as the insurance company underwrites, he will pay after two years, which is stipulated by the insurance law.
All wet!
Three years ago, I encountered such a case. Mr. Liu bought domestic critical illness insurance and suffered from a serious illness. The insurance company refused to pay compensation because Mr. Liu concealed the history of hypertension and hyperlipidemia before buying insurance. I asked him why he didn't tell me, and he said: Many people have high blood pressure and hyperlipidemia. What kind of disease is this?
In addition, many health notification columns are generally set, so you must pay attention when filling in. If a salesman asks you to choose no all, you must be vigilant. Do you buy insurance to facilitate this transaction quickly or for long-term protection?
I am very disgusted with the marketing methods and product design of the insurance industry in China. Recently, users are often given free insurance classes. After a long period of "insurance literacy", a large number of users have chosen products that suit them and saved a lot of money.
Reprinted in Feidong Oriental Baby Care Early Education Center