First, say it! The insurance industry has a long history, and it only blossomed today. According to incomplete statistics, there are now more than 200 large and small insurance companies in China. Why are there so many insurance companies? The simple reason is that they are profitable! Moreover, insurance itself is an "empty-handed" product, and there is no need to produce any substantive goods. A paper contract can get rich returns and is also a means of financing. Insurance companies can invest the premiums they earn in other industries to bring more benefits, so that the insurance industry can flourish.
So back to insurance, is insurance really "insurance"? Personally, it is not insurance. Judging from the development history of the insurance industry, there are numerous problems. Now go to the recruitment website to find a job, and the insurance recruitment information is flying all over the sky. High salary attracts into the pit. Usually, insurance companies will let newcomers pull acquaintances to buy products, and if the performance is not good, they will let you go through various routines. Recruiting you is nothing more than squeezing your value. Once squeezed clean, the insurance company will kick you out mercilessly.
Let's talk about insurance products first! That's all kinds, such as critical illness insurance, accident insurance, dividend insurance, education insurance, auto insurance and so on. But many people were fooled by the salesman and bought it in a muddle, but they never read the contract carefully and studied the doorway inside carefully. Something really happened. Call the insurance company. Sorry, no compensation. There are too many such things!
Many insurance products take many years to get, and the premium is not low. Even if you want to surrender early, you will lose less in various ways. Anyway, the insurance company itself will not lose money. What many people don't know, however, is that in fact, every insurance product has a design, and the top management of the insurance company is responsible for this matter. People have calculated the insurance probability and claim conditions. As the saying goes, "what you buy is not for sale." People want to make your money, and naturally they have already considered all possible situations. Therefore, when you really have an accident, people will have a saying that they will not pay for you. You can go to court! Sorry, you can't beat others. For example, the recent Pacific insurance incident. The protagonist of the incident bought a medical insurance. As a result, he fell ill this year and sought compensation from the insurance company. However, people say that his illness does not meet the coverage of the insurance contract and will not be settled. Many appeals and negotiations have failed, and they have not been resolved so far, so insurance is not "insurance" at all. Because there are too many such examples.
Capitalists driven by interests greedily extract the interests of consumers. In addition, in the development of the insurance industry, the system and laws are not perfect. If something really happens, it depends on their conscience. So you can't buy insurance? No, first of all, you should do your homework according to your actual situation, and then you should buy it. For example, car insurance, in addition to traffic compulsory insurance, still have to buy theft and three insurances. There is no need to buy anything else. As far as life insurance is concerned, you must not buy long-term insurance. First of all, can the promise given to you by the insurance company be fulfilled? Secondly, if you have financial difficulties during the insurance process and cannot renew your insurance, you will lose a lot if you surrender. Even if you want to buy accident insurance, it is best to buy consumer insurance for one year, and you can buy it when it expires, with little investment. Can also better protect their rights and interests.
I think the insurance industry should implement the staff system and combine various insurances into one. Customers can go directly to the service hall to handle life insurance, annuity dividend insurance, serious illness, medical treatment, accidents and other types of insurance, and the business agents of insurance companies will be dismissed. Without the agent, the high commission will be gone, and the premium will naturally be reduced by more than 40%. Only in this way can ordinary people afford applicable, cheap and efficient insurance that benefits the country and the people. The insurance industry is too big now.
I have worked in Ping An Insurance for six years, and you may not know much about insurance. I will simply talk to my friends. As far as insurance is concerned, the biggest function is protection, but many people put the cart before the horse and regard insurance as a financial investment, which will definitely be disappointed. Let me give you an example to make you understand. Our colleague bought an insurance for her husband, 6000 a year, three years and 6544 a year. Her husband has pancreatic cancer, with a coverage of 200,000 and a serious illness of 50,000. In layman's terms, I mean how much the insurance company can pay at most. Because it was pancreatic cancer, I paid 50,000 yuan first, and paid 1.5 million yuan after my husband died. Insurance liability is over.
If I say so, you may understand a little. Insurance is not suitable, it is cost-effective if you are out of danger, but it is not cost-effective if you are not out of danger. But who wants to get out of danger? Only people with ulterior motives would think so, right? We buy insurance because we know nothing about the future, just to buy peace of mind.
But why do we still feel cheated? Because we didn't buy the right insurance, different people have different needs. Insurance can be roughly divided into two types, one is health insurance and the other is medical insurance. In the words of ordinary people, medical insurance can be refunded, and medical care is consumer insurance. If you don't return it, you will pay it for one year, but now you must have a main insurance and additional medical insurance for medical treatment.
If you already have social security medical care and have no spare money, you don't have to buy it, because medical insurance can't be reimbursed repeatedly. This is the principle of compensation. There are two kinds of medical insurance, one is accident and the other is disease. If it is an accident, it can be reimbursed even if it is not hospitalized. Simply put, if a cat scratches a dog and cuts its mouth, it will be reimbursed at 100% if it exceeds100 yuan, but only if the medical insurance drugs, class A drugs and class B drugs are reimbursed at 90% and you pay 10% at your own expense. For example,
If you are hospitalized, if you are in the provincial medical insurance, the reimbursement rate is about 60%, the municipal medical insurance is about 50%, and the district-level reimbursement is the lowest, about 40%. The premise is that all medical insurance drugs are used.
If you are insured in critical illness insurance, it is a one-time payment, which has nothing to do with medical insurance. I don't know if you are clearer when I say this. Many and complicated. If you don't know where to start, you can ask me. To put it bluntly, if you are in charge, you should save money. What our insurance says is that you can basically get back the premium you paid when you surrender. Another point is that everyone is for me and I am for everyone. Insurance can best reflect this sentence.