Buying insurance for the first time. Never touched it before. Xiao Bai is the only one. How to buy it? How to chat with insurance sales staff and what important information should I pay attention to?

Today, my senior sister will share with you an introductory knowledge of insurance. If you master the following, you probably know how to buy insurance:

I. Type of insurance

Insurance can be divided into two categories: property insurance and life insurance.

Property insurance, simply understood, is used to protect everyone's property, such as cars and real estate. If these things suffer unexpected losses, the insurance company will compensate them;

Personal insurance is used to protect our health. If our health and life are damaged, such as illness, disability or death, the insurance company will compensate us.

The insurance we usually buy for ourselves and our families is mainly personal insurance, including life insurance, health insurance and accidental injury insurance.

Second, what insurance should I buy first?

1, serious illness risk:

Need to buy medical insurance and critical illness insurance. Medical insurance is used to reimburse some high medical expenses; The money paid by the critical illness insurance supplements the medical expenses, pays the expenses during the recovery period and the family expenses during the period when you can't work.

2. Unexpected risks:

Need to buy accident insurance and medical insurance. Medical insurance is used to reimburse medical expenses. Although accident insurance also has accidental medical reimbursement, the amount is too small. If it is a serious accident, it will not play much role, so medical insurance is still necessary.

The money paid by accident insurance is used to supplement the scope that medical insurance can't reimburse and protect the future life of yourself and your family.

3. Risk of death:

I need to buy life insurance to protect my family's future life. Family breadwinners need a term life insurance until retirement, but children and the elderly don't need it. Life insurance embodies the love and responsibility for the family.

To sum up, to sum up, the priority to buy is: critical illness insurance, medical insurance, accident insurance, pure protection life insurance.

After knowing what insurance to buy, let's take a look at what needs attention:

& gt& gt& gt What kind of insurance is better and how to buy it is more cost-effective, which will teach you to avoid these insurance pits.

Third, the summary of learning hegemony

Finally, senior wants to say that it may be complicated to get in touch with insurance at first, but after getting familiar with some knowledge, she will find it much easier to choose and buy insurance.

Therefore, don't underestimate the knowledge of insurance. Mastering this knowledge can be said to be halfway to the success of buying insurance.

Senior sister hopes that you can learn insurance knowledge well and buy suitable insurance.