Hello! Most self-employed people are in a state of no social security, and all kinds of risks are relatively large. In order to improve the security of self-employed households, it is necessary to insure them with appropriate commercial insurance in time.
How should the self-employed allocate insurance?
1. Fully consider all items that need to be insured, make overall arrangements, avoid repeated insurance, and make the most effective use of insurance funds.
2. Insure accidental injury insurance and accidental medical insurance to avoid the risks caused by accidents that may be encountered in daily life.
3. Try to choose long-term health insurance such as critical illness insurance with long payment period, and pay attention to the insured amount and deductible of health medical insurance when applying for insurance.
4. If economic conditions permit, it is necessary to supplement the purchase of certain old-age insurance.
How do self-employed people buy health insurance?
1. Before purchasing health insurance products, it is recommended that you read the insurance liability clauses carefully to understand its specific scope of responsibility. ?
2. Pay attention to telling the truth when applying for insurance, choose a hospital recognized by the insurance company by autographing and reporting the case in time, and keep the information needed for claims as needed. ?
3. Pay attention to the deductible clause when applying for claims, and you can't get compensation below the deductible.
Self-employed people not only need to strengthen health protection, but also need to give priority to improving accident protection. I suggest you set up a comprehensive insurance plan according to your actual insurance needs. In addition, choosing the right insurance is also inseparable from the choice of professional insurance platform, which is recommended to you. It is the largest insurance e-commerce platform in China and one of the best insurance channels for you at present.