□ AIA benefits Britain's public awareness of insurance is getting stronger and stronger, and many well-off citizens will buy several insurances. Experts say that the more insurance, the better. Some types of insurance may not get repeated compensation, which will waste money and be uneconomical. At present, there are two kinds of medical insurance in the market: fee-based medical insurance and subsidized medical insurance. Expense-based medical insurance claims according to actual medical expenses and follows the principle of insurance compensation. If the insured's medical expenses have been paid in one place, such as social security, company reimbursement, or other insurance companies, they can no longer get excess compensation from the insurance company beyond the actual expenses, and the insurance company only makes up the difference between the actual medical expenses. Therefore, insurance experts suggest that if you buy fee-based medical insurance in a commercial insurance company, you should not buy similar insurance, and you can consider subsidized medical insurance appropriately. Subsidized insurance has nothing to do with the actual medical expenses, and the insurance company pays the insured according to the subsidy standard agreed in the contract; If you are insured by more than one company, you can get compensation from more than one company. When buying medical insurance, you should decide what insurance to buy according to your own situation. There is no need to apply for medical insurance for expenses repeatedly. It is necessary to spend money on the cutting edge, such as choosing to match other subsidized medical insurance or critical illness insurance to get more comprehensive protection. In addition, many parents buy several insurances for their children in order to give them more protection, but in fact, the CIRC stipulates that parents should insure their minor children, and the accumulated death insurance amount should not exceed 6,543,800 yuan. Buying insurance for children, the higher the insurance coverage, the better, because the accumulated insurance coverage exceeds 6,543,800 yuan, even if the premium is paid, it is invalid. So, don't be impulsive when buying. It's just a waste of money to insure children again. Parents are the greatest protection for children. Generally speaking, when buying insurance for children, the first thing to look at is whether parents have taken enough insurance. Only when parents have enough protection can children really be protected. Secondly, we should decide to buy children's insurance according to economic conditions. Generally speaking, the annual premium expenditure of a family should not exceed 10% of the total income. It is necessary to consider and arrange the whole family's insurance plan in a unified way, avoid overlapping policies, and let the limited funds play the greatest role.
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.