However, people who don't know much about insurance will encounter many different problems when configuring insurance.
Recently, senior sister found that some friends are not familiar with the basic classification of insurance, so senior sister is going to give you a detailed introduction ~
Senior, let's talk about life insurance and health insurance today.
1. What is life insurance?
The so-called life insurance, the choice of the subject matter of insurance is actually the life of the insurer, and the survival or death of the insured is the payment condition of this life insurance.
Life insurance can mainly be used to continue the love and responsibility for family members. If the insured dies unfortunately during the protection period, the insurance company will pay compensation to the beneficiary to help the whole family tide over the difficulties.
Generally speaking, life insurance mainly includes term life insurance, whole life insurance, endowment insurance and endowment insurance.
Among them, there are some differences between term life insurance and whole life insurance.
Under normal circumstances, term life insurance is mainly used to solve the economic risks caused by the fall of family economic pillars.
Mainly aimed at whole life insurance, especially whole life insurance, the focus is on safeguarding social status and inheriting wealth, and its financial management nature is stronger than term life insurance.
From the point of view of the suitable insured, life insurance is generally more suitable for the family economic pillar, such as the elderly and children who do not have to bear the main economic responsibility of the family, and can not buy it.
At the same time, due to whole life insurance's strong financial management, it is very suitable for high-net-worth people to insure, and some elderly friends who need to protect their capital and inherit wealth can also insure.
Want to know what life insurance is worth insuring on the market? Poke directly below to view:
Top Ten Life Insurance Rankings Worth Buying! 》
Second, what is health insurance?
When you hear about health insurance, you will know that it is related to the health of the insured. This kind of insurance takes the health of the insured as the insurance object, and the insurance company pays the insurance amount for the losses caused by health reasons.
In fact, health exhibition solves the economic crisis brought by the insured's health, including sickness insurance, medical insurance, disability income compensation insurance, long-term care insurance and so on.
Among them, critical illness insurance and medical insurance are more common.
For example, in critical illness insurance, if the insured is unfortunately suffering from a serious illness and meets the claim conditions, he can pay the insured a sum of money at one time.
It is up to the insured to decide whether the money is used for medical treatment, family daily expenses or debt repayment.
Only after we have purchased critical illness insurance, even if one day we get a serious illness, it will not make the whole family temporarily unable to survive, but also allow patients and their families to better treat the disease.
Medical insurance can be used as a supplementary product of critical illness insurance, which can reimburse part of medical expenses for hospitalization due to illness.
Whether you like critical illness insurance products or medical insurance products, if you meet the insurance requirements, it is recommended to take out insurance.
However, if the elderly buy critical illness insurance, the cost performance is actually low, and it is very likely that the premium will be upside down. If you want to configure disease insurance, you can consider cancer insurance with lower insurance threshold.
Senior sister has compiled a cost-effective list of critical illness insurance for everyone. If you are interested, you can have a look:
"Top Ten Hot Critical Illness Insurance Inventory Worth Buying! 》
3. What is the difference between life insurance and health insurance?
1, in terms of security.
For the role of life insurance and health insurance, Xue Jie also talked in detail before.
To put it bluntly, life insurance is generally used to protect the economic crisis caused by the death of the insured, while health insurance is to solve the economic problems caused by the health problems of the insured.
2. In terms of claims.
Life insurance claims are either paid in one lump sum or collected on schedule.
However, regarding the claims of health insurance, such as critical illness insurance, it is a payment insurance, and the insurance company will pay the insurance premium in one lump sum.
However, medical insurance is basically reimbursement insurance. Under normal circumstances, it is necessary to pay in advance, and then the insurance company will reimburse some reasonable and necessary expenses.
3. As far as the insured population is concerned.
For example, term life insurance is generally only recommended to those who support their families, while life insurance with financial management attributes, such as increased whole life insurance, is more suitable for the following groups: high-net-worth people who have the need to preserve value and inherit wealth.
Generally, people with old-age needs can consider taking out an old-age annuity insurance ~
Unlike life insurance, health insurance is applicable to a wide range of people, and people with health protection needs can consider configuring one.
However, it should be noted that it is best for the elderly not to take out critical illness insurance, mainly because there may be no health notice, and the premium will be more expensive, so it is very likely that the premium will be upside down and the cost performance will be average.
If you want to know more about the common types of life insurance and health insurance, please take a look at the following popular science:
What's the difference between critical illness insurance, medical insurance, accident insurance and life insurance? Will there be conflicts when making claims? 》
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