What can commercial insurance cover?

People have gradually become aware of insurance, and now more and more people will start commercial insurance for themselves and their families. The following seniors will share with you how to buy commercial insurance and what matters need to be paid attention to when buying insurance.

First, how to buy commercial insurance

1, how to buy insurance

When buying insurance, you should pay attention to the coverage, exemption clauses, whether the insurance products meet your own protection needs, economic budget and so on. Let's take critical illness insurance as an example to explain and discuss how to configure an excellent critical illness insurance.

2. How to buy critical illness insurance?

(1) The guarantee content should be comprehensive.

An excellent critical illness insurance should cover not only critical illness insurance, but also mild and moderate illness insurance. Especially the protection of mild and moderate diseases with high incidence is indispensable.

(2) The compensation ratio is higher.

Generally, the satisfactory payment ratio of critical illness insurance in the market is that the proportion of minor illness payment reaches 30% of the basic insured amount, and the proportion of moderate illness payment reaches 60% of the basic insured amount. Therefore, in terms of disease protection, everyone should try to buy critical illness insurance products that exceed the above values.

(3) High-risk diseases such as cancer can provide multiple compensation.

As we all know, in addition to the high incidence of cancer, the recurrence rate is also quite amazing. In this way, you can also choose a critical illness insurance product that provides multiple compensation protection for cancer. In this way, everyone's protection will be more trustworthy.

In addition to the above, what else does a good critical illness insurance include? Let's see:

"Good critical illness insurance long like this! You have been cheated for so many years ... "

3. How to buy commercial insurance?

The above seniors explained to you how to buy a good critical illness insurance, so it is enough to configure critical illness insurance when buying commercial insurance. In fact, only critical illness insurance is not enough.

Except illness, everyone may encounter risks such as death and accidental injury. From this perspective, for example, the breadwinner of the family economy should not only be equipped with critical illness insurance, but also buy millions of medical insurance, term life insurance and accident insurance in order to enjoy comprehensive protection.

If you don't know much about the above four kinds of insurance, take a look at this article:

What's the difference between critical illness insurance, medical insurance, accident insurance and life insurance? Will there be conflicts when making claims? 》

Second, what should I pay attention to when buying commercial insurance?

1, define the security requirements.

When buying insurance, you should determine the protection demand. If you want to configure health insurance, it is recommended to choose critical illness insurance and medical insurance for purchase. If you want to manage your finances, you can pay attention to annuity insurance and increase whole life insurance.

2. Understand the contents of insurance products.

When buying commercial insurance, we should clearly understand the contents of insurance products. Especially the contents of insurance liability and exemption clauses.

Similar to buying critical illness insurance, it depends on whether the product provides severe, moderate and mild protection. When purchasing medical insurance, we should pay attention to whether to guarantee renewal, whether to reimburse self-funded drugs and whether to include value-added services such as medical expenses advance payment.

Generally speaking, under the same conditions, the more comprehensive the protection content of product coverage, the more favorable it is for everyone to get protection.

Moreover, the exemption clause also needs attention. The exemption clause is actually the scope of the insurer's liability for compensation based on the contract. Generally speaking, under the same conditions, the fewer exemption clauses, the greater the benefits to everyone.

3. Health information should be answered truthfully.

When entering the process of purchasing health insurance such as critical illness insurance and millions of medical insurance, it is generally necessary to give health advice. Health information is very important, and it is inseparable from whether everyone can successfully insure and settle claims. To sum up, friends must tell the truth and avoid concealment when giving health advice.

3. Which is better, commercial insurance?

There are many kinds of commercial insurance in the market. Many people want to choose an excellent critical illness insurance product according to the development trend of younger diseases. Next, senior sister will give an example of critical illness insurance to show you the products worth insuring.

Senior sister thinks that the performance of Tongfang Global Versailles plus critical illness insurance is quite remarkable. Its protection content is not single, which increases the protection of severe, moderate and mild diseases. The compensation is also relatively strong. This product provides 30% basic protection for mild diseases and 60% basic protection for moderate diseases.

In addition, Versailles plus Critical Illness Insurance also supports the additional compensation right in the protection of mild and moderate diseases, that is, if the insured is under 60 years old at the time of the first visit, he can get an additional compensation of 15% of the basic insurance amount, which is more attractive.

Due to the limited space, the introduction of this product by senior sister will stop here first. Friends who want to know more about this product can read this article:

"Versailles plus critical illness insurance has returned heavily, and you must look at the in-depth evaluation before buying! 》

Is it better to buy in a big company or a small company?

In fact, the China Insurance Regulatory Commission will strictly examine the insurance companies that can be established in China. In addition, China Banking and Insurance Regulatory Commission will further strengthen its supervision after the emergence of insurance companies. In addition, assuming that the insurance company can't maintain its closure, the regulatory authorities will also have corresponding channels, and the legal effect of our consumers' policies still exists.

It can be seen that if you buy it in a regular insurance company, the product is trustworthy regardless of its size. Therefore, when you buy insurance, the focus should be on the quality of insurance products and whether they meet your own protection needs.

Write it at the end

I am an expert in insurance, focusing on objective, professional and neutral insurance evaluation;

If the above content has not solved your problem, you can also come to the official account of WeChat to learn to bully and say that insurance consulting me;

I give you the most professional advice based on many years of experience in configuring insurance for 10W+ families.

WeChat official account: Xueba said that insurance costs less, buy the right insurance!