I have met many "feelings after buying critical illness insurance" and share them with you, which may provide some reference.
? Some people have bought critical illness insurance and feel at ease.
? Some people know what they need, how much they need, choose what suits them, reasonably pass on the risks they are worried about, and naturally feel at ease after insurance;
? But some people just feel at ease,
For example, Ms. W, whom I met a few days ago, bought insurance with her classmates, but I don't know what she bought and how much she insured. She only remembers paying 6k premium last year, which will take 30 years.
Looking at the insurance policy, the insurance coverage of 6.5438+0.9 million is a serious illness, plus an accident of 200,000, not to mention whether the product purchased is too low in cost performance. Judging from the insured amount, Ms. W's annual income is nearly 200,000 yuan under normal working conditions, and her annual expenditure is about 6.5438+0.5 million yuan. If she is seriously ill and her income is interrupted, she will face high medical expenses to maintain her daily life. What is the significance of the insured amount of 654.38+0.9 million yuan? Can she really feel at ease?
? Some people buy critical illness insurance, which feels very cost-effective.
? One is that it didn't take long to buy it and then it was used.
In the last two years, I met several people who were paid in less than one year. Although I have experienced illness, I have been comforted financially and naturally feel that insurance is cost-effective.
However, it is also possible to be overly superstitious and rely on insurance. After all, there is no perfect insurance product.
? The other, which is also a part of most groups, is misguided and impulsive consumption.
I was brainwashed when I was insured. When I bought it, I was told that "seeing a doctor and providing for the elderly without illness" and "safety can still have high returns", and I chose to believe what I heard for various reasons.
But this kind of person's "feeling cost-effective" usually won't last long, and most people and even their families will distinguish the gap between what they hear and the facts sooner or later.
Advise all friends who buy insurance for the purpose of "cost performance" to stay away from insurance as soon as possible.
The essence of insurance is "consumer goods"-spending money to pass on risks.
? Some people really avoid certain pits when buying critical illness insurance.
But for the same product, there must be two kinds of consumers, those who say good and those who say bad. Only the products are different, and the proportion of these two groups of people is very different.
? Some products do have serious injuries, and the survival in this market is really caused by the market environment and its sales methods.
If we can treat it rationally and see through the sales routines, such products will naturally not be on the optional list.
? But after all, not all insurance products are seriously injured, and there is no perfect insurance product.
The so-called pit is nothing more than your own actual situation and the current actual situation, right?
Both friends are considering the critical illness insurance of paying more for serious illness. Even if the external economic conditions are similar, it is assumed that they are all in a standard state of health.
However, A believes that multiple installments, even at a premium of 10%, are a "pit".
B thinks my budget is these. Under the premise of ensuring the insured amount, it is good to buy multiple compensation for serious illness, and it is not harmful to the group, but I will pay attention to how the diseases are grouped. On the contrary, B thinks that the serious illness that is not paid by the group for many times is 10% or even higher, and this price is "pit". ...
Therefore, the best way to avoid the "pit" is to clarify your own needs and choose the security that suits you.
? Many people regret buying critical illness insurance.
? I don't think many people bought it early.
Most people who can buy insurance are influenced by the spread of "love and responsibility" and agree with the concept of insurance, which really needs risk transfer. It's just that the product you finally buy may not convey the "love and responsibility" you want, and you can't pass on the risks you are worried about.
? Regret is often a mistake.
The main characteristics of such friends are impulsive consumption, perceptual thinking, product orientation, and even a few. After buying it, they don't know what they bought, and they don't know what to protect. They only know that they bought insurance.
As a result, one day, I suddenly realized that what I bought was not suitable for me, so I regretted it. ...
Regarding the safeguards mentioned.
If you need a glass of water now, and it will still be meaningful in the future, let yourself have a glass of water first. In the future, if the economy permits, or the taste requirements are relatively high, it is not bad to enrich your own reserves.
Why should we consider how rich and varied fruit juice, soda and coffee milk tea will be produced in the future?
When considering critical illness insurance, are you only worried about the occurrence of major diseases in the past year, or are you only worried about the past 10 and 20 years?
If you don't worry about the interruption of insurance, re-insurance may be refused because of health problems, and the insurance coverage is limited because of age problems, then the problem can be solved in full through regular serious illness.
At this time, the guarantee time for regular serious illness is limited and cannot be counted as a "pit".
If you want a lifetime guarantee, don't dawdle on regular products.
Unless the budget is really limited, the insurance demand can only be met by compromising the guarantee period.
As for inflation,
Whether you buy critical illness insurance or not, inflation is objective. The best way to fight inflation is to make money.
Many times, people are concerned about the significance of the insured amount at this moment today to the future.
Since insurance transfers risks, who can predict the accident or which will come first tomorrow?
Judging from various claims data, the trend of serious illness and rejuvenation is obvious in recent years.
? Some customers are insured to pay 5 million critical illness insurance within one year. The critical illness insurance in those days was far less cost-effective than today, with an annual premium of nearly 200,000.
What is the anti-inflation ability of this insurance?
? Some customers were diagnosed with cancer before the waiting period of 90 days after insurance, and the surrender contract was terminated. He regretted why he didn't buy critical illness insurance earlier.
? Some people say that I am quite healthy, so I don't need to buy critical illness insurance now, do I?
However, when you start to worry about your health, the insurance company will be more worried than you.
Now some friends want to buy critical illness insurance, but they can't.
Maybe it's just because of a nodule and an abnormal physical examination index.
It may also be because of a past illness that has not affected life and work, and has even been forgotten for a long time.
The 30-year-old partner's physical examination reports in recent years are normal, but the congenital ventricular septal defect is only 2mm and not completely closed. Although the doctor told him that he didn't need treatment, it never affected his life and work. However, the conclusion of underwriting was postponed.
? Some friends think that 500,000 life insurance will be worthless after 30 years, but their premiums have not risen, have they?
The payment period is 20 years and 30 years. Isn't it always lower than 10000 premium? Don't you also enjoy the current insurance coverage of 500 thousand?
Don't always compare the premium of 65,438+0,000 today with that of 500,000 50 years later. It's not fair, is it?
Moreover, safety planning must be dynamic planning, and it should be supplemented in time according to its own conditions.
With the improvement of family conditions, the economic ability is improved, the ability to pay is higher, and there is also a higher demand for security.
It may be meaningless to talk too much,
It's not just insurance. In the face of many things, just ask yourself, is it necessary? Can you afford to wait?
Whether everything is good or not depends on whether it suits you.