Insurance editors to help you answer, more questions can be answered online.
It is enough to buy it according to one's needs, and the insurance value can be determined by three methods:
(1) according to the law and contract law, which is the fundamental basis for determining the insurance value;
(2) according to the insurance contract and the agreement of both parties. Some of the insurance value of the subject matter of insurance is difficult to measure, such as life insurance, health insurance, human body and life can not be measured in money, then its insurance value to the agreement of the parties;
(3) according to the market price changes to determine the insurance value. The insured value of some insurance subject matter is not always constant. Most of the subject matter will also be depreciated with the extension of time, its insurance value is a downward trend.