If you want to know the latest product introduction, you can refer to:
Deep blue insurance: adult critical illness insurance list, updated in real time every month! Deep blue insurance: children's critical illness insurance ranking list, updated in real time every month! Deep blue insurance: the ranking list of millions of medical insurance and micro-medical insurance, updated in real time every month! Deep blue insurance: accident insurance list for adults, children and the elderly, updated in real time every month! Deep blue insurance: term life insurance ranking list, updated in real time every month! But it is better to teach people to fish than to teach people to fish. This article will also teach you the basic knowledge and selection methods of various risks.
The article is long and will introduce the main types of insurance in turn; At the end of each type of insurance, there will be the most comprehensive and in-depth interpretation of Zhihu's popular science articles.
Make sure you collect this article well and turn it out anytime and anywhere to study, which is no longer an insurance white!
If you want professional advice that is more suitable for you, you can consult me directly for free; Based on years of experience and your actual situation, I will give you the most suitable practical advice: 1. The principle of critical illness insurance is that if you suffer from an agreed disease, the insurance company will pay a large sum of money.
Its essence is "income loss insurance", and its more function is to make up for the economic losses during illness, such as living expenses and rehabilitation expenses.
However, critical illness insurance is very complicated, and ordinary people will buy it wrong in nine cases out of ten!
Next, I will teach you how to choose critical illness insurance through five steps.
Step 1: Do you want to protect yourself from death? Critical illness insurance can be simply divided into "saving critical illness insurance" and "consumption critical illness insurance" according to whether it includes death liability or not.
Saving-type serious illness: lifelong, with death responsibility. For example, a critical illness insurance with a coverage of 500,000 can compensate 500,000 after natural death, even if you have never suffered from a serious illness in your life.
People will die, and this kind of products will be guaranteed by 100% anyway, so it can be simply understood as a savings type, and the premium has not been spent, and finally the savings have appreciated.
Because of this, these products will be very expensive, such as the common Ping An Fu, Guo Shou Fu and so on.
Consumer-type serious illness: no responsibility for death, just a simple disease protection function.
If we don't suffer from serious illness all our lives, the premium we pay is equivalent to consumption.
This kind of products will be very cheap, because the protection of life insurance is removed.
Summary: Personally, I think that consumption-type serious illness is cheap and cost-effective, and it is suitable for more than 90% ordinary families.
Buying insurance is a kind of consumption behavior. Since you enjoy the protection, you naturally have to pay the premium.
Just like you hired a bodyguard, you can't stop paying just because the bodyguard didn't have a chance to take a bullet for you.
Of course, there is no distinction between good and bad products and right and wrong products, and you can choose according to your own budget and preferences.
Step 2: What does critical illness insurance cover? Through the first step, roughly know the type you want to choose;
Either "death+serious illness" savings-based critical illness insurance or consumption-based critical illness insurance.
Then, apart from death liability, what is critical illness insurance?
Critical illness insurance is mainly divided into "serious illness" and "mild illness", and some products also have mild illness.
Serious illness: a life-threatening disease, and the treatment process is very expensive. Minor illness: it will not endanger life and cost little. In 2007, the insurance industry association formulated the Standard for the Use of the Definition of Critical Illness Insurance.
Therefore, whether it is 80 kinds of serious diseases or 100 kinds of serious diseases, the definition of the top 25 diseases is the same for all insurance companies.
These 25 legal critical diseases have accounted for about 95% of all critical illness insurance claims, which can be said to be the core of the core.
So you can't understand it simply and rudely. The more kinds of diseases covered by critical illness insurance, the better.
However, unlike serious diseases, there is no uniform standard for mild diseases, and the protection of mild diseases by different companies may vary greatly.
Therefore, we must pay attention to whether it includes high incidence and mild symptoms, especially mild stroke and atypical myocardial infarction.
Want to know more friends can refer to my article:
Deep blue insurance: detailed explanation of the latest critical illness insurance diseases. Why is it not necessarily better to protect 100 species than 80 species?
Step 3: How to pay for critical illness insurance? Critical illness insurance is one of the most common misleading sales in the insurance industry.
If the critical illness insurance is diagnosed as a serious illness, you can not pay for it, but the premise is that it meets the contract!
The first 25 serious diseases can be basically divided into three categories:
Pay immediately after diagnosis: three kinds can only be paid after a certain operation; Five kinds can only be paid after reaching a certain state: 17 kinds. Step 4: Do you want to return to the original? When many friends buy critical illness insurance, they simply think that it will be better to return premium insurance.
There is a simple reason. Insurance companies give money for nothing, only idiots don't want it ....
I take Tianan Ai Guardian as an example to see what is the difference between additional return and no return:
It can be seen that if you choose to return at different ages, the premium varies greatly.
If you want to pay back at the age of 66, the annual premium is 6550 yuan more than that of not paying back, an increase of 52%.
After a simple calculation, the annual investment is 6550 yuan, which lasts for 20 years, and after 36 years, the principal and interest are 380,000 yuan, with an average annual yield of about 4%. There is no such thing as a free lunch. The essence of returning critical illness insurance is:
We paid a large premium, and then the insurance company invested, and returned some of it to us decades later, with low returns.
So I suggest buying consumer critical illness insurance. For young people, only three or four thousand can get 500 thousand insurance coverage, thus helping us to resist the economic risks brought by serious illness to our families.
Step 5: What is the insured amount? I have been emphasizing a concept: buying critical illness insurance means buying insurance protection.
Because the essence of critical illness insurance is income compensation, it is meaningless to cover too low.
The following are the claims data released by some insurance companies in the first half of 20 19:
Imagine, in today's soaring prices, what is the significance of buying hundreds of thousands of critical illness insurance?
I suggest that the coverage of critical illness insurance should start at 300,000 and be 500,000, and 1 10,000 is not too much.
If the budget is not enough and you feel that there will be pressure to buy high insurance coverage, there are the following ways:
Consumer critical illness insurance: Consumer critical illness insurance has no responsibilities such as life insurance, and the premium will be very low, shortening the protection period: you can choose to keep it until you are 60 or 70 years old, so the premium will be greatly reduced; Increase the payment period: extend the payment period, and the pressure will be less every year; Choose one-year critical illness insurance: or choose one-year critical illness insurance to combine and make high coverage; Summary:
The coverage of critical illness insurance is very important, so don't sacrifice the coverage for the pursuit of big companies, multiple payments, premium refund, etc.
If you want to know more about critical illness insurance, I recommend you to read another article of mine. This article is the most comprehensive science popularization of critical illness insurance that I spent half a month writing, and almost all your questions about critical illness insurance are written in it! I sorted out all the well-received critical illness insurance contents I answered in Zhihu to help you establish a systematic understanding of critical illness insurance.
Shen: I answered thousands of Zhihu questions and summed up the most comprehensive science of critical illness insurance in the whole network! If you want to know which critical illness insurance products are worth buying, you can also click the link below. I chose a product with high performance-to-price ratio, and paid an extra 60% of the insured amount for serious illness. The cumulative number of payments was up to 9 times, and the price was as low as one or two hundred yuan/month:
Second, medical insurance Medical insurance includes national medical insurance and commercial medical insurance.
The national medical insurance advises everyone to buy it, and the wool given by the government must be worn out.
However, if the medical expenses are an inverted triangle, it is not enough to rely solely on national medical insurance.
Through the following figure, we can clearly see the shortcomings of national medical insurance:
Medical insurance not only has a deductible line (below a certain amount, it will not be reported), but also has an upper limit for reimbursement (there is a limit for reimbursement every year);
More importantly, many life-saving specific drugs and imported drugs cannot be reimbursed by medical insurance.
This is determined by the characteristics of "wide coverage and low security" of medical insurance, and there is no way out.
If you are sick, you may have the following three needs:
For those who can be reimbursed by the national medical insurance but can't, and want to get a better special ward, the expert surgery social security is not local and can't go to other places for medical treatment. At this time, commercial medical insurance is a suitable choice.
Seeing this, do you want to know what good products are on the market? I chose millions of medical insurance, which is cost-effective and comprehensive. Interested friends can click to learn:
Step 1: What does medical insurance cover? There are many kinds of medical insurance in the market. Before you apply for insurance, you must know what medical insurance can cover.
1, what hospital:
Every medical insurance has a strict definition of the hospital:
Public hospitals: Most hospitals visited by ordinary people are established by the state and supervised by the Ministry of Health;
Special needs department/international department: although in public hospitals, you can enjoy better services and the price is extremely high;
Private hospitals: Many private hospitals are also very popular, such as pediatric private hospitals.
So after buying insurance, you need to know what kind of hospital can be reimbursed.
In China, most general medical insurance can only reimburse the expenses of public hospitals;
Only high-end medical insurance can reimburse special needs or international departments and expensive private hospitals.
2, what content:
There are two kinds of going to the hospital: outpatient and inpatient.
Outpatient responsibility: the outpatient fee is generally not too high and the use probability is high;
Therefore, outpatient medical insurance is less, which is of little significance.
Hospitalization responsibility: compared with outpatient service, the huge hospitalization expenses are the focus of our attention;
Therefore, it is very important to buy a suitable hospitalization insurance!
Step 2: medical insurance, how much can I apply for? Above, we know how to reimburse medical insurance. Let's see how much we can report:
I sorted it out, and the main items related to money are as follows:
1, insured amount
The insured amount is easy to understand, that is, the maximum amount that can be reimbursed.
In fact, in public hospitals, even if it is a serious illness for one year, the highest treatment cost is about one million;
No matter how high the insured amount is, it may only be for marketing needs, and its practical significance is not great.
So we can't simply think that the higher the insurance coverage, the better.
2. Deductible
Ordinary people only look at the insured amount, in fact, the deductible is the focus of insurance companies.
The lower the deductible, the easier it is to settle claims, which is very practical.
But products with low deductibles are often more expensive; And extremely unstable, there is a great chance to stop selling.
At present, the popular millions of medical insurance on the market can filter out most of the claims because of the deductible of 1 10,000;
So you only need to spend a few hundred yuan in premium, and you can buy millions of insurance coverage.
Therefore, we can't simply think that the lower the deductible is, the better. We should look at it in combination with the specific situation of the product.
3. Reimbursement scope
Like medical insurance, commercial medical insurance has two reimbursement methods:
Scope of medical insurance catalogue: only expenses in the medical insurance catalogue can be reimbursed;
Unlimited medical insurance catalogue: even if it is not covered by medical insurance, it can be reimbursed;
4. Repayment ratio
This is equally important. Some products can only be partially reimbursed, while others can be reported at 100%.
Taking one of the following products as an example, we can see that reimbursement is not limited to social security, and the reimbursement ratio is 100%.
Summary: When selecting products, you need to pay attention to the insured amount, deductible amount, reimbursement scope and reimbursement ratio;
These four points are directly related to how much we can quote and are also the key information of a product.
Step 3: What do you need? After understanding the principle of insurance, you must ask yourself a question before taking out insurance. What problem do I want to solve through medical insurance?
Medical insurance generally has the following three categories:
Classification 1: minimum living allowance, low deductible.
Product features: the insurance coverage of such products is relatively low, generally only tens of thousands; However, the deductible is also low, and outpatient or hospitalization can basically be reimbursed. Applicable people: this kind of product has a high probability of claim and can be bought for one year. It is only a supplement to medical insurance to solve the problem of small medical risks. Category 2: high insurance coverage, high deductible
Product features: this kind of medical insurance is very popular in the market, with a general coverage of one million yuan; But deductibles often cost thousands. Applicable people: high insurance coverage is a life-saving straw when we are seriously ill, suitable for everyone. Classification 3: Other medical insurance
High-end medical insurance: if you want to go to the special needs department of public hospitals or private hospitals, you can choose high-end medical insurance; Overseas medical insurance: overseas medical expenses can also be reimbursed; Tax-excellent health insurance: You can buy it even if you are seriously ill now. Summary of welfare products launched by government joint insurance companies;
There are many kinds of medical insurance, so don't be confused by all the details. You must make a choice and learn to grasp the key points in order to solve your own problems.
Of course, if you want to know more about medical insurance, you can learn my other 10 thousand words.
Deep blue insurance: medical insurance science: I don't avoid these pits. I advise you to start with medical insurance carefully. Let me show you the sincerity of my article:
Third, accident insurance 1, the role of accident insurance? Accident insurance seems simple, but it has irreplaceable functions, mainly reflected in high leverage and disability protection:
High leverage barrier: a few hundred dollars can get millions of deaths, and the leverage is too high, and its insurance can't be compared; Disability protection: in the case of accidental disability, you can also get different proportions of compensation according to the level of disability, which is the unique function of accident insurance. A standard accident insurance usually includes the following three protection responsibilities:
Accidental death: If a person dies unexpectedly, the insurance company will pay a sum of money directly. Buy 500 thousand insurance and pay 500 thousand; If you buy 1 ten thousand, you will lose 1 ten thousand. Accidental disability: if it is accidental disability, you can get compensation in proportion. Disability is divided into one to ten levels. For those with the most serious first-class disability, pay 100% of the insured amount. For those with secondary disability, 90% of the insured amount will be paid, and so on. Accidental medical treatment: Insurance companies can reimburse medical expenses for accidental injuries. These three points are indispensable responsibilities of accident insurance. If any item is missing, this product is rubbish and will be hacked decisively.
2. How to choose a suitable accident insurance? Then we will choose a suitable accident insurance around these three points.
1, what is the accident insurance coverage?
The biggest feature of accident insurance is high leverage. At the price of two or three hundred, you can buy millions of accident insurance.
The coverage of accident insurance is directly related to how much can be paid for accidental death and disability.
Therefore, for an adult, especially the breadwinner of the family, the insurance coverage must be as high as possible! 500,000 starts, and 6,543.8+0,000 comes standard!
With regard to the insurance coverage for children's accidental death, in order to prevent moral hazard and protect children, the state has the following provisions:
0-9 years old: the compensation for death does not exceed 200,000, 10- 17 years old: the compensation for death does not exceed 500,000, so even if you buy 6.5438+00,000 insured accident insurance for 0-9 years old children, if you die unexpectedly, you can only pay 200,000; However, there is no limit to the compensation for accidental disability of children.
Because children and the elderly have almost no family responsibilities, the amount of accidental death insurance is not the focus of choice, and accidental medical care should be given priority.
2. How to choose accidental medical treatment?
Compared with death, most accidents only lead to injuries.
So accidental medical treatment will be more commonly used. I suggest you pay attention to three aspects:
The scope of protection is as wide as possible: some products only cover the expenses within social security, and some products are not limited to the reimbursement expenses inside and outside social security; The protection in the back will definitely be better. The deductible should be as low as possible: products with zero deductible are definitely better than those with 100 deductible, and the lower the deductible, the better. The higher the reimbursement ratio, the better: 100% reimbursement is definitely better than 80% reimbursement. In addition, some products will have other protection, such as hospitalization allowance, vaccine liability insurance, ambulance and so on.
These are the icing on the cake functions, of course, it is better to have them.
In short, it is not difficult to choose an accident insurance.
We know our own needs and weigh the dimensions of premium, insurance coverage and accidental medical treatment before we can choose the right products.
If you want more suitable advice for your family, you can also consult me directly, and I will do my best to help you ~3. Buy accident insurance and pay attention to these pits! The following are the most common misunderstandings for ordinary people to buy accident insurance, which cannot be avoided:
1, special agreement and insurance notice:
When choosing accident insurance, we must pay attention to the special provisions of this product, taking a product as an example:
This also means:
If you accidentally fall dead during a mountaineering trip, you can't lose a penny; Swimming drowning leads to death, and only half of the insured amount can be paid; Therefore, when insuring accident insurance, you must pay attention to the insurance instructions.
2. When will it take effect after accidental purchase?
After the accident insurance is purchased, it usually takes effect the next day. But some products are special:
Tips: The effective date is 0: 00 on the 7th day after successful insurance. If you want immediate protection, this product is not suitable.
3. Accident insurance is not a health notice, anyone can buy it?
Although there is basically no health notice in accident insurance, there will be a similar explanation in general contracts: the insured should be a natural person who is healthy and can work or live normally.
If you are only sick, you can buy it even if you have cancer.
But for the disabled, the requirements of each company will be different, so it is best to consult the insurance company.
As usual, I also wrote a long article about the depth of accident insurance.
In this article, I spent half a month praising all the essence of accident insurance I answered in Zhihu and all the questions you asked me about accident insurance, and sorting out the most comprehensive in-depth science of accident insurance in the whole network.
(This is an accident insurance popular science article written in my content library, with some screenshots) Absolutely dry goods, and it is recommended to collect and read:
Shen: You don't lose a penny for a word difference? Accident insurance is very popular, don't step on these pits! Fourth, term life insurance Compared with the above types of insurance, term life insurance is much simpler.
Term life insurance is guaranteed for a period of time, 20 years, 30 years, until 60 or 70 years old, anyone can choose; If people are gone during this period, it will be a loss, simple and clear.
During this period, the probability of sudden death of a person is not high, so the price is very cheap; But this is precisely the most responsible life stage in our family, and the guarantee is very practical.
At present, the mainstream life expectancy in the market, 30-year-old men, 1000 yuan can buy annual 1 10,000 insurance protection; It can also be guaranteed that by the age of 60, it is time to basically let go of family responsibilities.
The price is cheap and the guarantee is practical, so for most people, senior students are the first to promote term life insurance.
How to buy term life insurance? Fixed life is a very simple insurance, and it is not difficult to understand your own needs;
We analyze it one by one from four dimensions: guarantee responsibility, insurance restriction, exemption clause and price.
1, guarantee liability? To buy any insurance, the responsibility of protection should be the first choice.
The reason why the fixed life is simple is that it is simple in the responsibility of guarantee. Let's take a look at the mainstream guarantee and characteristic guarantee of fixed life respectively.
(1) mainstream security fixed lifelong mainstream security responsibility is: death, or total disability (high disability), losing money, regardless of illness or unexpected reasons.
Of course, there are still few products without total disability liability; For such products, blackening is good.
Take a product as an example,
Within/0/80 days after the establishment of the contract, if illness leads to death or total disability, the premium will be refunded, and other circumstances will be the amount of compensation. This setting is mainly for disease prevention insurance, and the problem is not big.
(2) Special protection In addition to the above-mentioned mainstream protection, some products can also be attached with some special protection, the more common ones are:
The insured can buy a higher amount of insurance in case of major events such as marriage and childbirth; If something happens before the age of XX, you can pay XX% more. Because of the traffic accident, we can pay XX% more of the insured amount. These special guarantees are more practical and are life-long bonus items. You can pay attention.
2. Insurance restrictions Insurance restrictions determine whether you can buy this insurance. For fixed life, we focus on the following three points:
1 Health notification Health notification is the first step to buy insurance, and people who are in poor health are often turned away.
Fortunately, fixed life is basically one of the types of insurance with the lowest health requirements, and most people can buy it.
At present, there are only three kinds of health instructions for determining the life with the lowest health requirements:
There will also be a little trick here. There are basically two kinds of health notification: whether the insurance company refuses to insure or delays underwriting.
If you are in poor health, you will be refused or postponed to buy other insurance, and then you will be restricted by this health notice when you go back to buy Dingshou.
Therefore, we can give priority to the purchase of fixed life insurance with lower requirements, and then consider other insurances.
2 Occupational restrictions In addition to health requirements, occupational requirements are also common restrictions on buying insurance; And the fixed number of years, the professional requirements are more stringent.
This is not occupational discrimination, but the probability of different occupations is different, and insurance companies will naturally have different responses.
Generally speaking, insurance companies will divide the insured occupations into six categories according to the different risks.
However, there is no uniform standard for occupational classification in the industry;
In this insurance company, it belongs to three types of occupations, and in another, it may be four or five types.
Moreover, there are a large number of emerging occupations every year, which may not be included in the occupational classification table of insurance companies in time.
So if you can't find your own job, you can call the insurance company and ask the customer service to confirm whether you can apply for insurance.
3 the amount of insurance limits how much insurance you buy, that is, how much money you want to leave at home; This is very important for a fixed life.
Except for a few fixed life, there is no limit to the maximum insured amount. At present, most online products only buy 3 million insurance coverage at most.
This is enough for most families.
If you want more, you can buy different products together with high insurance coverage.
But it should be noted that some products will ask you how much you have insured in the past;
For example, if you bought this product for more than 3 million yuan in the past year, you can't buy it any more.
But it's also very simple. We can buy these fixed-life products that have requirements for past protection first, and then buy other indefinite products.
In addition, there are some fixed life, and the amount of insurance will be limited according to different occupations; For example, for retirees and unemployed people, there is only a low amount of insurance (such as 500 thousand, etc. ) is allowed.
These settings are mainly to prevent fraudulent insurance, and you can choose as needed.
3. Exemption clauses Exemption clauses are cases where insurance cannot compensate. Of course, the less the better.
In this regard, the most relaxed fixed term has only three exemption clauses:
These are the three most basic exemption clauses of life-fixing, all of which are extreme cases; We don't have to worry at all. We can give priority to these products.
There will be seven fixed lifetime clauses with the most exemption clauses. Take a product as an example:
However, we can also see that these exemption clauses actually have little impact on us ordinary people.
4, the price of critical illness insurance is very high, the same guarantee responsibility, this is sold to you more than 10,000, that may only be sold to you a few thousand, that is, bullying you to understand insurance.
However, the responsibility of fixed life guarantee is very simple, so the price difference is not big, and there is no way.
After combining the guarantee liability, insurance system and exemption clauses of term life insurance, we can try our best to choose the cheapest product.
Here, I also selected three term life insurance products worth buying in the near future. Floor price, health information and exemption clauses are relaxed.
Would it be better to choose a big brand?
Needless to say, life insurance is the safest insurance, subject to the strictest supervision, and even the smallest company can be trusted.
Will it be more refreshing for big companies to make claims?
Not necessarily. If you are interested, you can read my other article. Let's speak with data:
Deep Blue Insurance: Which insurance claims will be the fastest in 2020? 3 1 annual claims report announced! If you have read the above contents carefully, it is very simple to buy a suitable one.
Here, the master elder brother summed up several common questions according to the concerns of netizens:
1. The new products are getting better and better. Do you need to change it?
Fixed life is updated quickly, and occasionally there will be cheap and loss-making new products.
Do you want to buy it again? Master elder brother suggested that if there were not so many discounts, it would be completely unnecessary and there would be no end to communication.
If your physical condition does not meet the health requirements of the new product, don't bother.
If it can be informed by health, it can be considered in two situations:
Situation 1: If the hesitation period has not passed, you can directly surrender and replace it.
Situation 2: If the payment has been made for several years, how much will it cost for the same protection of the old products?
How much do I have to pay for the new product? By comparison, we can know whether it is cost-effective to replace the product.
For example, old products still need to pay152,000 yuan (30,000 yuan in total) every year, and new products need to pay 1000 yuan (20,000 yuan in total) every year for 20 years.
Then the replacement is more cost-effective, and the old product can get a little cash value when it is surrendered.
Of course, there is another point that must be noted. Try to return the old products after the waiting period for new products, so as not to interrupt the guarantee.
2. How much to buy fixed life insurance and how long is the most suitable growth period?
Of course, there is no correct answer to this, and it needs to vary from person to person.
Master elder brother can only give a little reference:
How much to buy: at least it can cover the family's expenses in the next 65,438+00 years. For example, if the living expenses in the next 10 year is 500,000, and the mortgage loan is10.5 million, then the fixed term is at least10.5 million.
How long: Personally, I suggest retiring at the age of 60. At this time, the children have reached adulthood and their family responsibilities are relatively light.
Of course, everyone's situation is different. If the budget is not much, you can also cover the next twenty or thirty years first, and then add insurance when you are well off.
3. The insurance company goes bankrupt. What about the insurance policy?
The elder brother said in front, everyone can choose a cheap fixed life, even a small company.
Because life insurance is the safest type of insurance, according to Articles 89 and 92 of the Insurance Law:
If an insurance company is revoked or declared bankrupt according to law, its life insurance contract and liability reserve must be transferred to other insurance companies. If the transfer agreement cannot be reached, the the State Council Insurance Regulatory Authority shall designate to accept the transfer. If the insurance company goes bankrupt, the insurance we buy has two places to go:
First, it must be transferred to other companies willing to accept mergers and acquisitions;
If no insurance company is willing to take over, the government will make proper arrangements, and the state will designate an insurance company to take over, which is generally a powerful state-owned insurance company.
In fact, the insurance industry is strictly regulated in China, and it is not easy to set up an insurance company. Interested friends can read my other article:
Deep blue insurance: in-depth good article: How difficult is it to set up an insurance company? I bought accident insurance and critical illness insurance. Do I still need to fix my life?
Need!
Accident insurance can only cover the death caused by accidents, and the death in other cases is not compensated, so accident insurance can certainly not replace the fixed life.
For example, the data of Ping An claims 20 19 shows that the compensation for illness death far exceeds the compensation for accidental death.
The offline critical illness insurance is basically life insurance liability, and the death can be compensated.
However, the coverage of China people's critical illness insurance is generally not high. Even if they buy 300,000-500,000, the money can't fully meet the mortgage repayment, children's education, parents' support and so on.
However, fixed life is extremely cheap. For a 30-year-old woman, the term life insurance with a coverage of 654.38+0 million is about several hundred yuan, which can be extremely high with a small budget, and the critical illness insurance is far behind.
5. How to choose beneficiaries?
The beneficiary is the person who receives the money. There are usually two situations:
Legal Beneficiary: Divide the creditor's rights equally according to the order of inheritance law. Designated Beneficiary: Designate the person to pay the claim. The senior brother even suggested designating the beneficiary. It's up to you to decide who you want to pay, so as to avoid disputes and make claims more convenient.
We designate beneficiaries, either in order or in proportion.
For example, Old Wang Mai received 654.38 million +0 million guaranteed life insurance, and the beneficiaries were designated as follows:
Children, 50%, the first order;
Wife, 50%. First order;
Mom, 100%, second order.
If Lao Wang dies unfortunately, this 1 ten thousand will be given to the children and 500 thousand to the wife. It's just that the first order is gone, and this 1 Wanhui 100% is compensated to mom.
The above is a detailed introduction of the four major types of insurance. After reading these, you can also avoid most of the insurance pits; Next, choosing products will be more directional.
In ancient times, in case of famine or serious illness, ordinary people could only save themselves by selling the land on which they lived.
Now, we can transfer our risks perfectly through insurance, a financial product.
As long as you are willing to take the initiative to contact and learn, you will find that insurance is not that difficult.
A reasonable insurance plan is absolutely the cornerstone of family financial security. I wish you all the best:)
Of course, it is never easy to buy insurance.
If the above content has not solved your problem, you want more appropriate professional advice;
Then you can ask me for free consultation through the following link;
I will give you super practical advice based on my experience in serving millions of families for several years.
You can also directly add Deep Blue Jun WeChat SLFW4268 and post comments on Zhihu for free consultation.