The so-called consumer insurance means that a customer signs a contract with an insurance company, and an insurance accident agreed in the contract occurs within the agreed time, and the insurance company makes compensation or compensation according to the original agreed amount; If there is no insurance accident within the agreed time, the insurance company will not refund the premium paid. Compared with "return insurance" such as savings insurance, dividend insurance and investment-linked insurance, consumer insurance has neither the function of capital preservation and savings, nor can it provide protection and income at the same time. Therefore, in the eyes of some policyholders, it is "suspicious" to buy such insurance.
There are two types of people who are suitable for consuming critical illness insurance:
1. People who want to spend their budget on risk protection, instead of confusing it with financial management and savings.
2. Families or individuals with small insurance budgets.
Although the surrender-type health insurance has the bright spot of "paying claims for illness and returning to the capital without illness", consumer health insurance can provide high disease protection by paying a few hundred yuan a year, and the cost performance is not low. Let's use cases to speak.
Mr Zhang is 30 years old this year. According to my annual income, I arranged a budget of 6.5438+0 million yuan for my serious illness premium. There are two choices, one is long-term or lifetime return critical illness insurance, and the other is regular consumption insurance. Let's compare these two types with an example:
A insurance: the premium is 9570 yuan/year, the payment period is 20 years, the insurance amount is 300,000 yuan, and the insurance is 88 years old; If there is no payment in the middle, 300,000 yuan will be paid at maturity.
Type B insurance: the premium is 3,390 yuan/year, the payment period is 20 years, the insured amount is 300,000 yuan, and the guarantee period is 30 years. It's consumer.
If Mr. Zhang is insured by insurance B, compared with insurance A, the annual premium can be 6 180 yuan, ***20 years. If Mr. Zhang invests the annual balance of 665,438+080 yuan, even in the form of five-year fixed deposit and automatic rollover, the sum of principal and interest of this part of funds will exceed 300,000 when Mr. Zhang is 60 years old. At this time, although the term insurance has expired, the sum of investment principal and interest has exceeded the guarantee amount provided by A and B insurance, and Mr. Zhang's total expenditure is not much; At the age of 88, the principal and interest and nature are far more than 300,000. In the above example, insurance A provides 42 kinds of critical illness protection, and insurance B provides 365,438+0 kinds of critical illness protection; Furthermore, besides providing basic risk protection such as accident, illness or death, insurance has other important functions, such as exemption and multiple compensation. But in general, adhering to the principle of giving priority to insurance is to seize the "most valuable" place of insurance.
Insurance is "in case", and no accident is the biggest benefit. Due to the characteristics of "no risk and no repayment of principal", consumer insurance has the advantages of low premium and high security. Therefore, consumer insurance is not equal to "scrapping insurance". As long as the insured pays attention to the purchase according to their own reality, this unrequited consumer insurance product can also provide tangible protection.