1, insurance is too "bad luck"
Some people see the product description, either cancer or death, not yet bought, listening to the whole person has been bad. Chinese people pay attention to everything to figure auspicious, buy things also pay attention to festive, but the insurance is to get sick or die to use, so many people feel too taboo.
Particularly the older generation of people, the traditional concept is very heavy, that buying insurance is in the curse of their own, will produce a natural rejection. So much so that there are a lot of people who buy insurance for their parents, they buy it secretly, and if they are found, they will inevitably be cursed in a messy way.
2, unprofessional insurance practitioners, breeding sales misinformation
In the insurance practitioners, I have seen a lot of excellent, professional people this is undeniable. But the threshold of the insurance industry is very low, no matter what people may become a seller of insurance, there are newly graduated college students, laid-off workers, and square dance moms.
Many people enter an insurance company and, after a few days of brief training, start their careers as financial advisers with "financial adviser" printed on their business cards.
This may be a common problem in the sales industry, as some unprofessional practitioners, driven by profit, may not be able to truly stand in the user's point of view to configure the insurance, which not only leads to sales misinformation, but also makes people even more distrustful of insurance. It is recommended that you learn a little bit about insurance to enhance your ability to recognize the difference, so that you don't have to take too many detours.
3, there is no uniform standard for claims
Ten years ago, the claims conditions of critical illness insurance were different, not only the definition of the disease is different, but also some restrictions on the means of diagnosis and treatment. For example, in the case of cardiovascular disease, according to the medical conditions at that time, it was possible to do minimally invasive surgery, but it was necessary to open the chest according to the terms and conditions in order to pay.
So, the same disease, some insurance companies can pay, some insurance companies can not pay. And the clauses are so wordy and complicated that it's hard for users to understand them at all.
This makes it very easy for people to think negatively about insurance, thinking that it's too difficult to make a claim, but then the state re-defined the 25 diseases that are highly prevalent to make a unified specification, which greatly reduces disputes over similar claims.
4, healthy, do not need to buy insurance
Many people are born optimists, think that bad luck will never happen to them, these people are mostly men. One fan is convinced that he will live to be 100 years old, on the grounds that his grandparents and grandparents are all high life expectancy, and his genes are too strong.
Besides this, I found that there are some users in my life who have bought insurance for themselves and don't even know it. Some people even think that as long as you buy insurance, you can just go straight to the insurance company and claim for compensation.
In fact, the general insurance contains medical insurance, critical illness insurance, accident insurance, life insurance and other types of insurance, different types of insurance role and purpose are different. I've seen users take an annuity insurance policy and go to the insurance company to claim medical expenses, and it's strange that the insurance company would pay.
So it's nothing new to say that many people are anti-insurance, and I just hope that with the popularization of insurance and people's increased awareness of insurance, we can make insurance really benefit more people, which is what I've been trying to do.
5, the media reports to push the wave
From the news point of view, there are often conflicts in the news is easier to spread, vulnerable groups are more likely to be concerned about, and more likely to bring the reading volume.
So it's not hard to understand why insurance claims disputes often erupt in the media, microblogging, and circles of friends. In the media "fermentation", readers only read the headlines may be misled, or difficult to recognize the truth of the incident. As consumers, we need to learn to filter information, at least, not to be biased by a news headline.