Short-term insurance is a tradition.

This will vary from person to person. We can analyze their advantages and disadvantages.

0 1, long-term advantage

The biggest advantage of long-term accident insurance lies in ensuring a balanced premium.

Because the risk measurement standard of accident insurance mainly comes from occupation and age, we find that if we are engaged in 1 occupation, that is, the back office clerk occupation, the insurance premium is the lowest. If you are engaged in a professional insurance company with a higher risk level, you will even refuse insurance.

If the job changes may be relatively large, and you are currently engaged in low-risk work, you can consider buying long-term accident insurance, and even if you are engaged in higher-risk work in the future, the policy can continue to be renewed.

02. Short-term advantages

The advantage of short-term accident insurance is that the premium is cheap and easy to replace.

Short-term accident insurance is often purchased year after year and can be renewed every year. These are consumer insurance, and the price is only measured according to the occupational risk of the work, so it is cheaper than long-term accident insurance.

In addition, short-term accident insurance can be replaced at any time, because the company is constantly introducing new products. Maybe next year, you will find that another company has an advantage in accident insurance. You can change to another company at any time.

03. Try to avoid repayment accident insurance.

Most people buy insurance in the hope of saving money, so that they can get claims when something happens and get the insurance premium back when nothing happens. Under this demand, many insurance companies have introduced return accident insurance.

For example, you can pay the insurance premium every year, just 10 years, and the guarantee period is 30 years. At the end of 30 years, you can get all the insurance premium back, even with a little interest.

However, this kind of insurance is not cost-effective. We can calculate that if we put the same money in the bank, the short-term accident insurance will pay the same interest in a few years. This problem exists in the evaluation of many types of insurance.

In particular, there is a self-driving accident insurance called million, which only pays 654.38+200,000 for ordinary accidents and 654.38+200,000 for special accidents. The premiums in these years have ranged from several thousand to more than three thousand, and the cost performance is lower.

If you choose an ordinary accident insurance of 65,438+200,000, and match it with a consumer self-driving accident insurance of 1 10,000, the annual premium will be above 100 yuan.