Next, Xue Jie will take you to know about Shuidibao, a third-party insurance platform, and see if it is as brilliant as rumored.
First, how to treat such a platform is not reliable?
The state has very strict supervision over the insurance industry. There is a special supervision department in the insurance market, namely the China Banking Regulatory Commission. Under its supervision, the behavior of any insurance company in the market is monitored, and it will be punished if it exceeds the scope.
And this year, the state promulgated the "Measures for the Supervision of Internet Insurance Business" to eliminate all informal platforms on the Internet. A third-party platform that can also take risks online can be said to be basically compliant. Because water droplets still exist, it can be said to be a legal and compliant platform.
If not practical, these methods can provide a basis for us to judge whether the online insurance platform is reliable:
"A good insurance consulting platform is to look at these aspects! 》
Then, here is a brief explanation of water drop protection.
Founded on 20 17, Shuidibao is an Internet insurance platform YEATION invested by Tencent, and cooperates with more than 50 insurance companies such as Ping An, PICC, Zhongan and Centennial Life Insurance.
With so many insurance companies, Didi Insurance has more than 60 kinds of insurance products, and insurance products such as health insurance, accident insurance and travel insurance cover almost all kinds of users of all ages. I'm afraid I can't find suitable insurance here!
Seeing this, everyone should be able to trust the water drop.
However, be careful to insure the water droplets on board. There are a few things you should remember:
"Buy insurance on water drop insurance. If you don't pay attention to these, you will lose! 》
There are so many products on Didi Insurance that many friends who want to buy critical illness insurance are too busy to know where to start, so the following senior sister will also tell you how to buy critical illness insurance.
Second, how to buy critical illness insurance?
When buying critical illness insurance, you should consider these points:
First, people who don't understand insurance should learn the key knowledge of insurance first to avoid being cheated!
If you are still an insurance boy and have plans to buy critical illness insurance, you must proceed from your own needs, and you must not just listen to others' recommendations and suggestions. It is important to buy insurance that really suits you. You can't just listen to other people's suggestions, and you may not get comprehensive protection. In the end, you spent money and haven't bought the right critical illness insurance.
Why do so many people think that buying insurance is a waste of money? The reason is that these people know too little about insurance and don't buy suitable products.
Whether buying critical illness insurance or other types of insurance, mastering the basic knowledge of insurance is the first thing we should do.
Second, clear the risk gap and clear your own protection needs!
Everyone is an independent individual, will have their own life and work, and the living environment is very different, so the risks that everyone faces are definitely very different, and the protection they need is completely different.
In addition, even the same person may face different risks at different ages. For example, children may suffer from childhood-specific diseases such as leukemia, adults are prone to stomach cancer or other modern diseases due to their living and eating habits, and the elderly are more likely to suffer from cancers in different parts due to physical fatigue.
Therefore, whether you buy critical illness insurance for yourself or your family, you must find out the shortage of insurance to ensure that you can meet your own protection needs.
Third, do a good job in planning and set the amount of insurance and guarantee time according to the economic situation!
In daily life, buying things depends on the price, so you should choose products with high cost performance when buying critical illness insurance.
The insured amount will affect the premium of critical illness insurance. Senior sister suggested that you should buy enough coverage for critical illness insurance, not to mention hundreds of thousands of treatments for a major disease.
However, it is not good to buy too much insurance coverage, so we can't buy as much as we want, otherwise we may not be able to afford too much insurance coverage, so our economic pressure will be even greater, which deviates from our original intention of buying critical illness insurance.
What's more, one of the factors that determine the premium is the length of the guarantee period. Under normal circumstances, if the coverage is exactly the same, lifelong critical illness insurance is naturally better than regular critical illness insurance in many places, so it is understandable that lifelong critical illness insurance is more expensive than regular critical illness insurance.
However, if the economic budget is sufficient, you can choose a product that guarantees life, which can guarantee life to the maximum extent and increase the cash value of the policy. If the funds are insufficient, we will choose regular guarantee.
Fourth, choose critical illness insurance products with high cost performance!
If you want more comprehensive protection, normal people think that the premium of critical illness insurance will be more expensive, but in fact, there are many high-quality critical illness insurance products on the market, which not only provide rich and comprehensive protection, but also have high cost performance. The premium of many products is actually deeply rooted in the hearts of the people.
If you want to choose critical illness insurance with high cost performance, you should compare more, not just look at 1 or 2. In fact, the same type of products have similar protection. Comparing several companies, the prices are different. Naturally, we should choose products with good quality and low price, compare more, spend less money and buy comprehensive protection.
What I said above is that when buying critical illness insurance, whether it is online platform or offline sales website, we should focus on several aspects of comparison. We can think according to the above analysis, and we must seriously consider it when choosing critical illness insurance. After all, our vital interests are related to it.
The above content is what everyone needs to consider, especially the critical illness insurance. Some friends may think it is too scattered. These cost-effective critical illness insurance products are specially selected by senior students for the convenience of everyone. You might as well have a look:
"Top Ten Hot Critical Illness Insurance Inventory Worth Buying! 》
Write it at the end
I am an insurance top student, focusing on objective, professional and neutral insurance evaluation;
If the above content has not solved your problem, you can also come to top student, the official account of WeChat, and say that insurance consulting me;
I give you the most professional advice based on many years of experience in configuring insurance for 10W+ families.
WeChat official account: top student said that the insurance cost is low, so buy the right insurance!