1, the risk of serious illness is increasing year by year, and showing a trend of rejuvenation
Because of the social environment, dietary health and other reasons, the incidence of serious illnesses is increasing year by year, and the age of the coverage continues to expand, whether it's the old man, the child or the middle-aged people may suffer from serious illnesses. In the event of a major illness, the family's finances will be dealt a severe blow.
How do you cope with the risk of illness? Some people may answer, "I have social security is enough!" In fact, in addition to social security, commercial insurance is also needed.
2, social security coverage is extensive but insufficient, there is an urgent need to supplement the commercial insurance
Data show that many people think that they no longer need commercial insurance after buying social security, but the two do not provide the same protection.
Social security covers a wide range of people, but the strength of the protection can not be comprehensive coverage. As of the end of 2015, the number of people insured by China's health insurance has reached more than 95%, but there are still 39.7% of medical expenses need to be spent by individuals. Of the existing 70 million-plus poor people, nearly 30 million are impoverished due to illness. Commercial insurance can ease the pressure of personal medical expenses and provide more protection for consumers.
3. Commercial insurance can alleviate the pressure of personal medical expenses and supplement the gap of medical insurance
①Commercial insurance can supplement the gap of medical insurance and enhance the protection. Medical insurance does not cover non-disease treatment programs, specific treatment programs, diagnostic and therapeutic equipment and medical materials, and the scope of reimbursement is limited, while commercial insurance can expand the scope of coverage and enhance the coverage.
②Commercial insurance supplements the high-end market, providing efficient and high-quality medical services. The modern world has become more demanding in terms of quality medical services and comfortable environment, which can be better met by commercial insurance.
To make life secure, social security is the best choice within our financial ability, and the configuration of commercial insurance can further enhance the protection.
4, commercial insurance type diversification, online management trend is obvious
Commercial insurance is an individual according to their own conditions to buy insurance, according to the needs of each person can be freely combined, the type of diversification. With the development of the insurance industry, China's commercial insurance also began to develop from offline to online.
Online management is inexpensive and efficient, and is the mainstream sales model for commercial insurance in the future. The traditional commercial insurance operation process is complicated and costly. Currently, the online operation process can effectively reduce the management cost, and make it easier and faster for consumers to underwrite claims.
Many people feel cheated after purchasing insurance because some salespeople over-package insurance products for performance, only to find differences in descriptions when settling claims. This problem can be effectively avoided by making the process of online insurance transparent.
Summary
See here, I believe we have understood, in life, social security and commercial insurance are essential, with a further increase in their own risk protection. Therefore, it is recommended that already have social security has not yet configured the commercial insurance of the people recommended as early as possible to configure the commercial insurance, but also as early as possible to obtain protection, so that life more peace of mind. Wutong tree insurance network has a professional insurance planner, can be free for you to customize scientific and reasonable protection program.