The two dividend methods have their own advantages and disadvantages.
The dividends of most insurance companies are American dividends, and the advantages of American dividends in financial insurance are obvious. That is, the dividend will be paid directly to the customer in the form of cash, and the customer can see the cash immediately. However, the bonus at the initial stage of insurance is particularly small!
However, Taiping Yue enjoys no worries and the dividends of a few insurance companies are British dividends, which have great benefits in health insurance! The insurance company will pass on the annual dividend to the insured amount again, and the dividend will increase the insured amount for you. Generally speaking, the insured can really get the distributed dividend only in the event of an insurance accident, expiration of the insurance period or surrender. British dividends can fully protect you from the lack of insurance protection caused by inflation. For example, now that you have bought yourself a critical illness insurance of 200,000 yuan, you feel that the amount is just right. With the passage of time and inflation, this insurance coverage will not be high enough after 20 years. This kind of dividend can make your insurance grow with age! You can add insurance for free without a medical examination. Therefore, in health insurance, the advantage of British dividend is very obvious.
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.