Everyone is busy hoarding new year's goods. What insurance products can I prepare for the Spring Festival?
However, after all, it is Chinese New Year, and it is understandable to hoard more new year's goods. Next, I'd like to remind everyone that while happily hoarding new year's goods, don't forget to consider your own protection. After all, a safe holiday is the most important. So, what insurance products can be prepared for the New Year? How about ping an insurance? I just sorted out the relevant contents, hoping to help you: Is China safe? Do you have any insurance recommendations?
First, send an insurance policy to the elders, which is practical, caring and innovative.
I don't know if you have the experience of going home to give gifts to your elders every year. Many students said that they have a headache-they will be scolded if they buy expensive ones; If you buy it cheaply, you will feel unfilial; If they are not practical, they will waste money; If they are too practical, there is nothing new. In short, they will be confused! Until recently, some students have a policy for the elderly in the circle of friends, and they feel suddenly enlightened-this is very good, practical, caring and innovative! So, what types of insurance are recommended? Parents are old, how to buy insurance? I just sorted out the relevant contents, hoping to help you: buy insurance for parents and the elderly, and be sure to avoid these pits!
Accident insurance can be used as a reference. On the one hand, because the body is not as flexible as before, the probability of accidental injury of middle-aged and elderly people is much higher than that of other age groups, especially in unexpected situations such as traffic accidents and fires. An accidental injury insurance can be said to be very practical for elders. On the other hand, fireworks may also cause personal injuries, most of which are serious burns or even deaths. In view of this situation, many insurance companies have included fireworks in accident insurance. Which insurance company is stronger? I just sorted out the relevant content, hoping to help you: the latest list! Top Ten Insurance Companies in China
However, we need to remind you of the following two points:
First, it should be noted that accident insurance provides protection against death, burns and disability, but for the injuries caused by explosion accidents, such as minor bumps, bumps and burns, if it is determined that it does not meet the scope of protection in the insurance clauses, it may not be possible to get all the claims. At this time, the insured can consult whether other types of insurance, such as accident medical insurance and hospitalization allowance insurance, can be attached to protect such risks. In short, the conditions and scope of compensation must be clearly defined before insurance.
Second: When you want to choose an insurance as a gift to the other party, you should pay attention to the "insurance benefits". Article 31 of the Insurance Law stipulates that the insured has an insurable interest in the following persons: (1) himself; (2) Spouse, children and parents; (3) Other family members and close relatives who have maintenance or support relations with the applicant other than those specified in the preceding paragraph. (4) Workers who have labor relations with the insured. Except as provided in the preceding paragraph, if the insured agrees that the applicant will conclude a contract for him, it shall be deemed that the applicant has an insurable interest in the insured. According to the provisions of this article, generally speaking, the coverage of personal insurance includes me, family members and close relatives, mainly referring to relatives who have a certain marriage or blood relationship with me. Except for these people, if you want to insure them, you must obtain the consent of the insured to have insurable benefits.
Second, eating vegetables in the New Year requires attention to health.
During the Chinese New Year, the most important thing is probably all kinds of delicious food. The foodies are also full of horsepower and start the mode of eating and eating. In fact, many people's lifestyles in modern times have become unhealthy. Under the rhythm of overeating in the new year, they may feel slightly unwell, and may even cause major health hazards and even be hospitalized! . Therefore, related health insurance products can also be planned in advance and paid attention to in advance.
General medical insurance mainly includes general medical insurance, hospitalization insurance, surgery insurance and comprehensive medical insurance. Medical expenses are generally differentiated according to the characteristics of medical services, mainly including doctor's outpatient expenses, medicine expenses, hospitalization expenses, nursing expenses, hospitalization miscellaneous expenses, operation expenses, various inspection expenses, etc. The expenses covered by different health insurance policies are generally one or a combination of several items.
Need to remind everyone that after the insurance accident, everyone must remember to keep the original medical invoices and medical records and apply to the insurance company for claims within the specified time. Don't forget the relevant claims just because you are busy with the holidays.
Third, the property security is good, and the New Year is happy.
During holidays, in addition to paying attention to "people", we should also pay attention to our own property safety. Generally speaking, car insurance and family property insurance can be properly paid attention to. In terms of auto insurance, car damage caused by fireworks and firecrackers occurs from time to time. In this case, the owner can make a fixed loss claim for the car injured by firecrackers through the car damage insurance, excluding the insurance of free compensation and broken glass. Family property insurance, as its name implies, is insurance with tangible property of urban and rural residents as the subject matter of insurance. Family property insurance provides timely economic compensation for property losses suffered by residents or families, which is conducive to stabilizing residents' lives and maintaining social stability.
To sum up, these insurance products can prepare for themselves and their families before the New Year. I wish you all the best and peace in the new year!
(The article comes from the "Baojian Micro Classroom" of WeChat official account)