Why do many people say that in Chinese mainland, only social security and auto insurance are worth buying?

The reputation of insurance in China is not smooth sailing. Many people think that it is deceptive, just like pornography and gambling, right? Pit? . In the final analysis, insurance is just an invisible guarantee. The only thing that can prove your insurance status is the contract agreed between the insurance company and you. However, it is undeniable that auto insurance and social security are the two most available insurances in Chinese mainland.

(1) Auto insurance

Nowadays, more and more people buy cars. As a kind of property, cars are not quite the same as other houses and electrical appliances, because cars are more dangerous. At present, there are about hundreds of thousands of people who die from traffic accidents every year in China, and most of them are caused by cars. Because the connotation of auto insurance is not only the part of property, but also the risk brought by the responsibility of the car. Therefore, national laws clearly stipulate that at least compulsory liability insurance for motor vehicle traffic accidents should be handled, which is what we usually call compulsory insurance.

when many friends buy a car for the first time, they usually buy a car in a 4s shop with full insurance, that is, compulsory insurance plus commercial insurance, but it is generally more expensive. ? There's nothing you can do about it. The salesman said that you must buy all insurance in their store before you can drive away? . This is purely a bluff. According to the law, in auto insurance, only compulsory insurance must be purchased before you can go on the road. Commercial insurance is completely unnecessary. Of course, for safety reasons, it is also possible to buy one more.

Finally, I would like to remind you that the annual auto insurance premium will be determined according to the number of accidents in the previous year. The more accidents, the more expensive the price. Therefore, safe driving really saves money for yourself. Don't feel indifferent just because you have bought insurance. Safe driving can not only save insurance premiums, but also avoid accidents. Be careful and slow down. You can never go wrong.

(2) Critical illness insurance

This insurance is really for everyone. The principle of critical illness insurance is very simple, that is, the insurance company gives a large sum of money for diseases that meet the contract. This money is at our disposal, which can be used to treat diseases, go abroad for physical therapy, restore our health and buy health care products.

more than 8% of the critical illness insurance in the market is a traditional life-long critical illness insurance. What can be regarded as the guarantee responsibility of this kind of critical illness insurance? Disease? And? Dead? Two guarantees.

For example, if you buy a critical illness insurance with a coverage of 1 million, if you live to be 9 years old and have no illness, you can get 1 million compensation even if you die naturally.

At present, there are many traditional life-long critical illness insurance products, such as Ping An Fu and Taikang 1%.

in addition, there is a product that does not contain death liability, only pays attention to the protection of diseases, and has no life insurance liability. Can we call this kind of product? Consumer pure critical illness insurance? . This kind of products can be guaranteed for a period of time, such as 7 or 8 years old, because life insurance is removed, so the annual premium can be very, very low.

There is no difference between good and bad products and right and wrong products. Everyone needs to look at them according to their own needs and choose as needed.

The core of critical illness insurance is disease. What are the main types of diseases in the industry at present? Serious illness? And? Mild illness? Two categories: what is a serious illness? Life-threatening diseases, the treatment process costs a lot; What is mild? Life-threatening, low cost

In 27, the insurance industry association formulated the Standard for the Use of Disease Definition in critical illness insurance, which unified the diseases of major insurance companies. Therefore, whether it is 8 kinds of serious diseases or 1 kinds of serious diseases, the definitions of the first 25 kinds of diseases are the same.

Therefore, people can't understand it simply and rudely. The more kinds of diseases are covered by critical illness insurance, the better. It can't be said that it is better to cover 1, kinds of diseases than 25 kinds of diseases, because many diseases are likely to occur once in a hundred years, such as Ebola virus and mad cow disease, and these diseases may make up the number ...

Insurance industry associations have only standardized and determined 25 kinds of serious diseases, but there is no unified standard for mild diseases. There is something fishy about it, and different companies vary greatly, but generally speaking, if it is mild, there is no need to buy insurance, and social security and personal savings are enough to support it. What we want is protection in case of serious illness. .

The logic of critical illness insurance is to get money when you get sick. To be precise, you can only pay for it if you meet the contract. Based on the analysis of the top 25 critical illnesses that cover most of the claims, it can be basically divided into three categories: three types of compensation after diagnosis; There are five kinds of compensation that can only be paid if a certain operation is performed; There are 17 kinds of compensation that can only be paid when it reaches a certain state. Specifically, it's all written in the insurance contract, so you can read it carefully.

my conclusion is that, of course, medical insurance cannot replace critical illness insurance. The upper limit of medical insurance reimbursement will not exceed your own medical expenses. Even if you buy 5 million insurance coverage, if you only spend 1 thousand on treatment, the insurance company will only pay you 1 thousand instead of 5 million. This must be made clear. I can't work during the treatment and recuperate after the operation. These medical insurances are ignored. This is the need for critical illness insurance, so the scope and effect of these two types of insurance are completely different.