When we shop on Taobao (version 12.63.3), we often buy several things at a time and then pay together in different stores, but it was not possible on Pinduoduo before, because it didn't have the shopping cart function like Taobao, so this operation was recently launched.
In fact, the consolidated payment in Pinduoduo means that two or more different merchants pay together. In addition, Pinduoduo doesn't have a shopping cart, so she can't temporarily keep the baby she wants to buy. If you look at two different goods in the same store, if you want to send the package quickly, you can only pay separately. If you want the customer service to deliver the package, you can contact the customer service staff in Pinduoduo and ask to deliver the package.
First, specific commercial insurance.
1, group accident insurance, mainly to prevent unexpected risks, including: accidental injury, accidental medical treatment, traffic accident and accidental hospitalization allowance; 2. Group life insurance, mainly to prevent death risks, including: one-year term life insurance, term life insurance and whole life insurance;
3. Group health insurance, mainly to prevent health risks, including: critical illness insurance, supplementary hospitalization, hospitalization allowance, supplementary outpatient service and emergency treatment;
4. Group endowment insurance, which mainly provides old-age security for employees, including dividend insurance, universal insurance and investment-linked insurance.
The first three types of insurance are relatively basic, among which accidental injury, accidental medical treatment, traffic accident, one-year term life insurance, critical illness insurance and supplementary hospitalization are more common; Endowment insurance is a long-term insurance, which employees receive after retirement, while dividend insurance and universal insurance of endowment insurance are more common.
Second, due to the different nature of each enterprise, the types of insurance purchased by different enterprises will be different.
1. General clerks support more enterprises and can buy medical and health insurance, such as serious illness insurance, accidental injury insurance and hospitalization insurance.
2. Enterprises with more practical personnel can insure employees against accidental injury insurance, high-risk accident insurance and accidental medical insurance.
3. Enterprises with strict cost control can insure employees against accidental injuries, accidental medical treatment, major diseases and other types of insurance, with lower rates and higher protection. The specific amount needs to be determined according to the actual situation and needs of enterprises and employees themselves.
If it is an enterprise with a relatively low budget, it can insure employees against accidental injury, accidental medical treatment, illness death, major diseases and other types of insurance, with lower rates and higher protection. The specific amount will vary according to the actual situation of enterprises and employees. The general premium can be around 500 yuan per capita, accounting for about 1% of the total annual salary.
Third, matters needing attention in purchasing insurance
1. Define the protection demand: there are many kinds of insurance products, and the same type of products emerge one after another. Therefore, when you buy insurance, you must first make clear the coverage. In order to obtain the protection of critical illness, it is necessary to focus on the protection content and price of critical illness insurance products and make reasonable choices.
2. Shop around: With the development of insurance industry in China, more and more insurance companies have been established and developed, and many products of the same type will appear in the market. Therefore, customers can compare and evaluate before insurance, and understand the advantages and disadvantages of each product through comprehensive consideration of product guarantee content and price.
3. Carefully sign the contract: When the customer determines the insurance product, it is necessary to sign the contract carefully. Before this, we need to know the relevant information of insurance clauses in detail, such as hesitation period, insurance liability, exemption clauses, etc., which are all related to later claims. Therefore, it is necessary to consult clearly the doubtful points in the contract to prevent subsequent disputes.