PICC Life Insurance Hubei Provincial Branch Financial Knowledge Propaganda Month: Teach you to go out of the misunderstanding of buying commercial insurance ten steps

There are many insurance products on the market, which is dazzling. Do you want to buy insurance? How to choose the insurance that suits you? How can I avoid pits? Combined with the "Month of the Frequency of Financial Knowledge" in 2022, the Core members of the People's Insurance Group of the People's Insurance Group of the People's Insurance Group of the People's Insurance Shouqi Hubei Provincial Branch compiled the following 10 points for consumers to help you seize the key points and get out of the misunderstanding.

The essence of insurance is risk hedging

The essence of insurance is risk hedging, using a small part of money to increase the ability to resist risk. Ordinary workers should buy insurance. Because in the face of risks, there are only two choices, either risks or transfer risks. Risks to self -protection are self -protection, and the risk of transfer is insured. Because the income is fixed, the ordinary working class is often unable to bear the risks. It must use insurance to perform risk cross -term management, and transfer the risk of income interruptions and life changes caused by unexpected accidents and diseases. This is the original intention of ordinary people to buy insurance. High -net -worth individuals buy insurance is the cornerstone allocation of insurance as the cornerstone of wealth management and asset inheritance.

To buy insurance, you should buy from the bottom layer of the pyramid to the top level

First, the first -level family security (life insurance, accident insurance, etc.), medical and health (millions of medical, critical illness insurance, etc.); then the second level of children's education (education funds), retired pension (pension) Insurance; then it is the insurance that focuses on investment functions. Before the insurance is insured, you should ask the insurance company to do a policy for you to see what your family has guaranteed, what is the annual insurance premium expenditure, who is the most lack of guarantee, and how much the guarantee gap is.

The order of insurance should be: first adults, then children; first pillar pillar, then housewife (husband)

If children or those with no source of income are sick, at least adults can make money. However, if the adult or the only source of income from the family is sick, the economic source is lost. Housing loans, car loans, and parenting and elderly care alone are not small pressure for everyone. Therefore, before configuring insurance for the child, first see if the pillar of the adults, especially the family, has fully allocated insurance.

Social security plus commercial insurance, life is better

We know that social security mainly includes two major sections of medical insurance and pension insurance. In fact, the most important thing for commercial insurance is these two pieces. The guarantee insurance supplement is the lack of social security and medical care, and the annuity insurance supplements the lack of social security. Social security is the most basic guarantee. Commercial insurance is the supplement of social security. Social security plus commercial insurance, life is better.

When critical illness insurance is insured, there is no need to excessively pursue the type of disease

The "Code for Definition and Use of Disease Insurance for Disease Insurance (Amendment of the 2020)" jointly formulated by the China Insurance Association China Association of China is uniformly regulated 28 high -incidence of severe illness (including 6 critical illness stipulated in regulatory regulations). The critical illness insurance on the market can basically maintain these 28 high -incidence of severe diseases. According to relevant data, these 28 kinds of serious illnesses account for more than 95%of all critical illness claims. The critical illness insurance for life insurance can be cured more than 100 types, covering the various situations that ordinary people can encounter.

Decide on the actual situation and needs to decide on a single compensation for critical illnesses or multiple critical illnesses

How to choose a single compensation and critical illness in multiple compensation? Decisions according to the actual situation and needs. Generally speaking, for people with sufficient budgets, people with family medical history, and children, they recommend multiple critical illnesses. At the time of insurance, we must focus on the interval period (usually 180 or 365 days) stipulated in the two critical illnesses. The shorter the interval period, the better. In addition, in the case of grouping, pay attention to the independent grouping of high incidence of critical illness, which can greatly increase the probability of claims.

First make planning, then select products, set the insurance amount, then set the premium

In the 2012 Insurance Regulatory Commission No. 6 Announcement, it was recommended that the insured set the annual income of 5-10 times the annual income and the accident insurance insurance amount was set to 10-20 times the annual income. To ensure that your insurance insurance is enough. In other words, the insured configuration is that we are "pricing" for our lives, and the quality of life of our family is "benchmarking". Assuming that in case of accidents, insurance benefits can maintain the quality of family life.

The payment period for short -term insurance and long -term insurance will be different

Different types of insurance will make different regulations on the payment period. The payment period of short -term insurance is usually disposable, and there is not much room for choice. The payment method of long -term insurance is much more complicated. Generally speaking, the longer the payment period of the guarantee type insurance type and the higher the leverage, the longer the payment period should be selected as possible. The annuity insurance type choice of a slightly short payment period can better reflect the time value of the currency. Consider the income and age factors of the insured. The income stable payment period can be longer, and the payment period generally does not exceed the retirement age.

The insurance contract must be read carefully

The insurance contract must be read carefully, at least pay attention to these six points: what to protect (insurance liability); no insurance (except for liability); how long (insurance period); how long (payment period); hesitation period (leaving the customer to calm down to do calmness to do calmness If you use it, you can surrender within the hesitation period); the waiting period or observation period (the insurance company is not responsible for the claim during the waiting period).

Truth informing is important

The PICC Life Insurance Hubei Provincial Branch reminds you to pay attention to the following situations to avoid invalid insurance contracts or refuse to claim the claim: not inform the health of the health;Signing on behalf of) and so on.In addition, do not lend your social security card to others, which will affect the purchase and claims of commercial insurance.Insurance companies retrieve their illness, these will become your medical history.The Hubei Daily client, paying attention to the major events of Hubei and the world, not only pushing the authoritative policies for users, fresh hot information, and practical convenience information, but also launched a series of features such as reading newspapers, newspapers, learning, online interactives.

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