Every time my son sends a message, comments and private chats, he asks me for protection. V tell me specifically how to buy insurance. Where can I buy it? How many/much? At what price?

I wonder, why, haven't I been answering this question?

I have been emphasizing these problems repeatedly in the past few years when I entered the insurance industry, haven't you noticed?

Ok, let me answer it again and help you sort out these questions in the simplest language.

This article is only suitable for insurance professionals. If you already know about insurance, please bypass it and don't waste precious time.

If you don't understand, remember to like collecting, take your time and look at it at any time.

In advance, I only provide a correct idea of buying insurance in this article. After all, it is better to teach people to fish than to teach people to fish.

However, everyone's family situation, needs and budget are different, so this article will not go too far.

Just because the same pair of underwear fits me doesn't mean it fits your size.

But as long as you learn this skill, buy insurance.

This article is divided into five parts: why, what, how, for whom and for whom.

I will understand the bag after reading the article.

Why buy commercial insurance when you already have social security?

Social security is like our autumn clothes and trousers. You may feel fine at home, but will you wear it when you go out? Once the storm comes, you need to wear warm cotton-padded clothes and trousers. Your fat body doesn't resist freezing.

Just like the hospitalization of 6 1 day in previous years, the cost is about10.04 million yuan.

Actually, there are other receipts. The total cost of this patient's hospitalization for 75 days has exceeded 1.7 million yuan.

The sky-high medical expenses completely penetrated the social security.

At this time, some suitable commercial insurance is needed to supplement it.

If the treatment fee is compared to a triangle cake, social security can only reimburse a small piece (white part in the picture):

Before medical insurance reimbursement, you must cut two knives. If you don't exceed the deductible, don't report. If you exceed the limit, don't report.

The middle piece has to be cut twice, one is the self-funded part that is not reimbursed by medical insurance, mainly some expensive high-end drugs, such as imported drugs and specific drugs.

Do you want to use it or not? How long will your wallet last if you use it?

The second knife is the self-paid part that is not reimbursed, that is, the reimbursement ratio.

Therefore, the actual reimbursement is often only 60-70%, and the higher the hospital, the lower the reimbursement ratio.

So, do you think this cake is too small?

Not enough, what should I do?

It's time to show the charm of commercial insurance.

The role of commercial insurance is to protect those "I" who have no social security.

As shown in the following figure, almost all the parts that are not reimbursed by social security are supplemented by appropriate commercial insurance:

Commercial medical insurance can help you determine out-of-pocket drugs, out-of-pocket proportion and maximum amount.

Because the deductible of commercial medical insurance is too high, you still have the premium of critical illness insurance. After paying the deductible of 10000, the rest can compensate the economic losses during illness.

None of the above can be done by social security.

So the reason why you want to buy commercial insurance is simple, in order not to let your family fall into despair at those terrible moments that you have to face.

It's not that social security is bad, it's very, very good.

Social security is the welfare guarantee given by the state to everyone and must be handed in.

It just means that there is only social security, and many levels need commercial insurance to supplement it.

After making clear why commercial insurance is needed, everyone's real confusion is revealed.

I believe what kind of insurance you usually have access to, such as refund, everything, dividends and so on.

Tell everyone how far you can hide when you encounter this kind of insurance.

Remember, when there is no commercial insurance, the first consideration is life insurance and health insurance, followed by financial insurance, and finally the risk of wealth inheritance.

When your life and health can't be guaranteed, do you dare to spend money on financial management and buy unrealistic insurance? I dare not do that.

Refundable insurance:

There is a saying that there is no such thing as a free meal, and the wool comes from the sheep.

The so-called refund of money is only a natural increase for a long time, and the interest rate is often not as high as that of banks.

Moreover, is it the same as 6.5438+0 million yuan 30 years ago and 6.5438+0 million yuan 30 years later?

You have the money you want,

However, insurance companies are very skilled. Not to mention "taking advantage of insurance companies".

This semi-finished product often has many pits.

In the end, I can't maintain good health and manage my finances well, so it's very painful.

"Everything" insurance:

If you want to be lazy and save trouble by buying insurance, you must be prepared to spend thousands of dollars.

Some products claim to protect everything, but in fact they can't protect anything.

Several kinds of insurance that cannot be sold are bundled and sold together, which is called "foolproof".

But the same responsibility pays more, which is 50% more expensive than buying it alone-100%.

No more garbage.

Dividend insurance:

Dividends are a wonderful flower in the insurance industry.

Safety and financial management cannot be balanced. Since we have received a certain dividend, should we sacrifice safety?

This kind of insurance has been insured for decades, and tens of thousands of people have invested in it, but they can't get it out.

It is said that it has a high income and basically stays in the words of the salesman.

The actual income of most products is usually not as good as bank deposits. If the guarantee is good, buy it or not.

It's just that the more insurance, the better the sale. As long as you say "money back", "capital preservation" and "dividends", the insurance company can frighten you into submission, and it is difficult to avoid being cut off.

The above types of insurance are the easiest to step on, so you should pay special attention to buying insurance with ten and nine pits.

Before you know what insurance you need, you need to know what you need. (No dolls)

In short, you have to figure out what insurance can do before you know how to use it.

As a risk transfer tool, insurance needs to be clear about risks.

Eating is to solve the problem of hunger, and dressing is to solve the problem of avoiding the cold.

Insurance is to solve the problem of risk. We must first understand what risks everyone faces before we can prescribe the right medicine.

The risks faced by life can be represented by the following "risk funnel":

Childe in popular language, give you a brief introduction:

(1) Unpredictable loss risk

For example, illness, accidents, death of family members, etc. are all unexpected risks of loss.

For the breadwinner of the family, a serious illness will have a disability period of 3-5 years, not to mention the continuous medical expenses.

During this period, mortgage and car loan, raising children and supporting the elderly all cost money, and we will not stop because we are sick. The only thing that stopped was our income.

If the breadwinner of the family dies or is completely disabled, it will be even more serious, which may bring permanent income loss and even bring down the whole family.

As we have come into contact with, medical insurance, accident insurance, critical illness insurance, life insurance,

It's all on this floor. ?

This layer is the most basic and important.

(2) Predictable expenditure risk

During the period of education and pension, money can only go out, so a certain amount of expenditure can be determined.

After ensuring the bottom security, there is still room to save some money for these two periods:

During the education period, save a sum of money in advance for children to go to school or study abroad;

After retirement, save a pension for yourself in advance as a supplement to social security and enjoy your old age.

Like the annuity insurance we have come into contact with, it is on this floor.

(3) All sexual risks

All sexual risks are the troubles of the rich, who think:

I have money, how can I leave it to future generations?

A series of problems such as policy, taxation, marriage, debt and competition for property may all affect the ownership of money.

This kind of risk is usually solved by annuity, whole life insurance and other insurance and trust tools, so we won't focus on it.

For ordinary families, we should adhere to the basic principle of "insurance surname" and give priority to the basic protection of illness and accidental death.

Take care of the risks on the first floor first, and then go deeper in turn.

You might as well think about it. Suppose you spend 5000 yuan a year on a critical illness insurance or pension.

When you are sick, the former can provide 500 thousand "life-saving money" at one time, while the latter not only takes up less money, but whether you can rely on this 5000 yuan for your future pension is still a variable.

This is what I said before. The first consideration is life insurance and health insurance, followed by financial insurance, and finally wealth inheritance insurance.

Medical insurance, critical illness insurance, life insurance and accident insurance constitute the last line of defense in our life. On this basis, annuity insurance should also be considered.

1, critical illness insurance

The full name of critical illness insurance is critical illness insurance. "You" get sick and "I" give money, which belongs to payment insurance.

Compensation means that I don't care what your condition is, as long as you meet my disease standard, you can pay as much as you buy, and you can pay 500 thousand for buying 500 thousand at a time.

I gave you real money, and the insurance company reimbursed you anyway.

For example, as long as the cancer is diagnosed in the hospital, you can pay as much as you want, regardless of whether it is treated or not.

Whether you want to use this money for treatment, or feel that there is no cure to see the world, or you want to leave it to the people behind, the insurance company can't control it.

1) What's the use of critical illness insurance?

Critical illness insurance has two functions:

First, it is used for treatment expenses, and the critical illness insurance pays part of the medical expenses without supplementary medical insurance;

The second is to compensate income. Can't work during the period of treatment and postoperative rehabilitation. No work, no income. Then, where are the cash flows from car loans, children's education mortgages and family meals and meals in Lazar? At this time, the significance of critical illness insurance to compensate family income is highlighted.

Therefore, the money paid by critical illness insurance can be used not only for treatment, but also for income compensation during the period of no work.

But if you want to spend money easily, you need medical insurance.

2) How to choose critical illness insurance?

Even if the critical illness insurance is the most complicated of the four risks, it is not difficult to choose.

Now all products have long been similar, the core guarantee has been supervised and unified, and the products are becoming more and more homogeneous.

As early as 2007, China Insurance Association defined 25 kinds of common and highly critical diseases, and all insurance companies must abide by this standard.

These 25 kinds of serious diseases account for more than 95% of all serious illness claims.

The remaining 5%, no matter how serious your illness is, whether it is 80+ or 100+, will affect all corners.

In addition, we must be responsible for the high incidence of mild/moderate diseases. Even if some diseases do not meet the standard of serious illness, insurance can compensate part of the insured amount.

Critical illness insurance can buy at least 500 thousand coverage. If you have a budget, you can pay for life-long and additional cancer many times, and the insurance amount can be higher.

3) What critical illness insurance is worth buying at present?

Regardless of the budget, I hope to ensure comprehensive protection: Super Mary's critical illness insurance No.3 Max and Darwin No.3 are very good choices. Diagnosed before the age of 60, 80% more for serious illness. The amount of insurance can be said to be buy one get one free, and the responsibility for mild illness is also top-notch.

Pay more attention to the price/performance ratio of products: Super Mary Critical Illness Insurance No.2 Max and Kanghuibao 2.0 can meet your needs. Diagnosed before the age of 60, 60% reduction is enough. There is no other choice.

Limited budget: Super Mary 2020MAX diagnosed with serious illness before 6 1 year old can be considered, and 50% of the insured amount can be paid extra, which is very cost-effective.

2. Medical insurance

Commercial medical insurance, called "you" and "I" reimbursement for illness, belongs to reimbursement insurance.

Everyone understands that reimbursement is how much it costs, not much.

Medical insurance can be said to be the best supplement to social security, and it is also favored by ordinary families.

1) What's the use of medical insurance?

People often come into contact with two kinds of commercial medical insurance, one million medical insurance and one small medical insurance.

As you can tell from the name,

The reimbursement amount of millions of medical insurance is more than one million, but the annual premium is only a few hundred yuan, which is very practical.

There is usually a deductible of 1 10,000, and medical expenses can only be reimbursed if they exceed 1 10,000.

Micro-medical insurance generally has zero deductible, and the reimbursement amount is not high, mainly covering minor illness hospitalization or outpatient service.

If you only buy millions of medical insurance, it will be enough. Using micro-medical insurance is not a serious illness, and it can be covered with small money.

It is good to spend hundreds of thousands of premiums every year and incite millions of reimbursement quotas.

As long as you pay the deductible of 1 0,000 yuan, the rest of the medical expenses can basically be reimbursed.

2) How to choose medical insurance?

Medical insurance is selected in three steps according to its importance:

First, choose the one with good renewal conditions.

As long as you don't get sick this year, the medical insurance fee will be spent, and you need to buy it again the next year.

But whether you can buy it in the second year is another question, so if you choose to guarantee a six-year renewal, you should guarantee it for six years first.

The worst thing is to choose the kind that you can buy every year as long as you don't take it off the shelf

And then consider the cheap,

The responsibility of medical insurance is more and more similar, and the difference is less and less obvious, so the premium is also chosen as cheap as possible.

Finally, look at value-added services.

Finally, the purchased drugs can be reimbursed, and there are practical value-added services such as prepaid expenses, medical care and proton heavy ion therapy. Don't care too much about others.

3) What medical insurance is worth buying at present?

Beyond warranty 2020 not only has first-class renewal conditions, but also guarantees 6-year renewal.

Moreover, the premium is still very cheap, which has more advantages than good medical insurance and is the best medical insurance product at present.

If you want better medical service, you can also choose its characteristic medical version, and the experience of seeing a doctor will be better.

Good medical insurance. Long-term medical renewal conditions are also first-class, with 6-year renewal.

The highlight is that the deductible of 1 is used for 6 years. Assuming that 1 year uses the deductible of 1 10,000, there will be no deductible from the second year.

3. Accident insurance

Accident insurance refers to external injury insurance, with reimbursement and compensation.

Accidents must be foreign, sudden, unintentional and non-disease, including cat and dog bites, cuts and burns, car accidents and drowning.

1) What's the use of accident insurance?

A normal accident insurance will cover all responsibilities, including accidental death, accidental disability and accidental medical treatment.

Accidental death: in case of accidental death, the insurance company pays a sum of money according to the agreed insurance amount;

Accidental disability: accidental disability, pay a sum of money according to the insured amount multiplied by the disability level;

Accidental medical treatment: the insurance company will reimburse the medical expenses caused by accidental injuries.

No matter what the result is, accident insurance can play a role. You can take it orally.

This kind of insurance is very cheap. Two or three hundred dollars a year can incite millions of insurance, which is especially suitable for purchase.

2) How to choose accident insurance?

There are hundreds of accident insurance on the market, but most of them are not qualitatively different.

In the case of accidental death, accidental disability and accidental medical treatment, there is only one standard for choosing accident insurance, and choose the cheapest one as much as possible.

Needless to say, accidental death makes no difference.

Accidental disability shall be paid according to the level of disability, with 1 being the most serious, 100% insured, level 2 90% insured, and so on, 10/0% insured, and there is no difference.

The difference can only be in accidental medical treatment, but the amount is generally around 30 thousand, with hundreds of deductibles. How much difference do you think this will make?

3) What accident insurance is worth buying at present?

The Grand Bodyguard Extreme Edition is still the most recommended accident insurance at present. 1 10,000 insured amount is 298 yuan, and 0 deductible is not limited to social security reimbursement, which is not only suitable for full liability price.

The Supreme Edition of the Great Protector is second only to the Great Bodyguard, and the price is 298 RMB (654.38+00,000 insured amount). The disadvantage is that Dafa can only reimburse 80% of the expenses if it is not social security reimbursement.

4. Term life insurance

Life insurance is even simpler, it is either death or total disability, and it is also payment insurance.

But it may not be the same as the other three types of insurance. Money is not for yourself, but for the people behind.

1) What's the use of term life insurance?

When a person is in the prime of life, his contribution to his family is the greatest. But if he accidentally dies at this time, the car loan, mortgage, children's education expenses and the whole family's eating and drinking Lazar will all be on the other half. How can he stand it?

Life insurance will make you feel that standing is the pillar of your family, and falling is also a pile of RMB, so that the living can maintain a basic standard of living.

Moreover, life insurance and accident insurance can compensate each other. Suppose everyone bought an insurance amount of 6.5438+0 million, and the result was accidentally hanged, and the living relatives could get 2 million.

Life insurance is an insurance that truly combines love and responsibility.

2) How to choose term life insurance?

Term life insurance liability is very simple, it guarantees death,

Tell the truth, choose term life insurance to see the price, there is no other standard.

Whoever really buys it is cheap.

3) What term life insurance is worth buying at present?

Life insurance liability is simple, price becomes the only measure, and the specific products are not much to say.

Optimus Prime 2020 is definitely the first, breaking through the lowest price in the history of term life insurance, and healthier people can enjoy cheaper prices (preferred version), which is fairer.

Dinghaizhu 1 was once a reserve price product, and the premium was equivalent to that of Optimus Prime 2020 (Standard Edition).

5. Annuity insurance

Annuity insurance is the risk protection of "unforeseen expenses" that we talked about in the second part. Now we save a sum of money to solve future financial problems.

After the first four types of insurance are complete, annuity insurance can be properly considered.

1) What's the use of annuity insurance?

In short, it is to prevent the future from running out of money.

I didn't save enough money when I was young; Improper financial management, losing money, losing money, etc. In order to prevent the situation that there is no money for providing for the aged and education in the future, you can save a sum of money in advance.

2) How to choose annuity insurance?

Buying annuity insurance means buying how much money you can get back in the future.

Therefore, there is actually only one selection criterion, depending on the rate of return.

The amount of income should be clearly written in the contract, and it is safest to get the agreed money within the agreed time limit.

But now the best products can only be annualized close to 4%(20 years of continuous compound interest), so those who claim to be significantly higher than 4% must be playing a trick on you.

3) What annuity insurance is worth buying at present?

Pension annuity insurance:

The biggest highlight of Everbright Yongming diamond is that it takes a long time to return to its original position.

After paying a sum of money, you can get the money from the fifth year of the policy. You can get 100% coverage in the first year, and then increase 10% coverage every year.

Although China and South Korea are slow to return to their original capital in the future, time is precious and they will receive more money in the future. Even if you surrender halfway, the cash value of the policy can reduce the loss.

Education annuity insurance:

I baby's product design is very simple. Pay a sum of money in one lump sum or in installments. 18-2 1 year-old receives a sum of money every year. But also support the increase of insurance coverage at any time. If you feel that the money saved before is not enough, you can increase the money.

Mei Xin is flexible every day. You can choose university education fund, continuing education fund and university or continuing education fund. 18-24 years old can get a sum of money, and 30 years old can get a lot of money.

China's parents are used to giving their children anything good first. It doesn't matter whether they buy it or not. Children must buy it.

No! A family, the first to buy insurance is the economic pillar, that is to say, whoever can make the most money in the family will buy it first. Save the cash cow first, so that this family will not cross.

Even if the child is ill, adults can still find ways to get money, but when adults collapse, it is difficult for the child to have hope.

Therefore, it is the correct thinking to consider adults first, and then consider the elderly and children.

If a family is compared to a tree, adults are roots, old people are stems, and children are leaves, all of which are important, but to different degrees.

First, insure yourself:

As the pillar of a family, adults shoulder the life of the whole family, so the risk protection must be comprehensive, and it is best to have many four types of insurance, namely, critical illness insurance, medical insurance, term life insurance and accident insurance.

Secondly, consider buying children:

Children's insurance is easy to buy and the premium is not much. We can buy it behind the adults.

If the child is seriously ill, does it need adult care? If you don't take care of it, do you need someone to take care of it? These flowers are money. Critical illness insurance can also compensate for the loss of income of adults.

Medical insurance is used to reimburse the treatment expenses during the illness of the child; Children are the people with the highest accident rate, so accident insurance should also be bought.

Never buy life insurance for your child. In order to prevent some lawless people from killing children to cheat insurance, the state has made regulations. Children aged 0-9 can only pay 200,000 yuan when they die, and children aged 9- 18 can only pay 500,000 yuan. It's no use buying for children.

Finally, consider buying for parents:

It is especially difficult for the elderly over 60 to buy insurance, which basically belongs to the category that insurance companies give up.

Insurance companies are not stupid. It is easy for them to lose money when they buy an insurance company. So buy it while the old man can.

Focus on medical insurance. It is common for the elderly to get sick and be hospitalized. It's really cost-effective to use millions of medical insurance to reduce stress.

At this time, the cost of critical illness insurance for the elderly is very expensive, so you can choose cancer insurance without considering it. Only cover cancer, the price will be much cheaper.

Accident insurance needs to be bought, and the elderly are also accident-prone groups.

There is no need to buy life insurance, and the responsibility of the elderly is small. Most of them have retired or are about to retire, and their death has little impact on the family economy.

Which insurance company should I buy?

Many people only choose the products of big companies to buy insurance, and insurance companies that have never heard of them dare not buy them at all. You told him that online insurance was cheap, and his expression was like this.

Someone even told me that I don't want to compare big companies with small companies, or even online. There is no comparability, but I want to compare them at the same level.

Bah, which do you choose, insurance or insurance company?

When choosing products, we will calm down and choose products well. Do I have anything else to say about choosing an insurance company? There are many offline agents. They said that the reputation and brand of insurance companies must be better than what I said.

Others say that the survival time of small insurance companies is very short, and buying their insurance itself is not reliable.

No! Whoever said this must have no brains. Domestic insurance companies are living under layers of "pressure", which is not as simple as you think.

There are eight regulatory mechanisms from beginning to end. From the establishment, operation and bankruptcy of insurance companies, your policy is even safer than bank deposits.

At least so far, no insurance company in China has gone bankrupt.

Even if it goes bankrupt, it can be handed over to other insurance companies and taken over by the insurance protection fund. We won't suffer at all.

The insurance protection fund has only been sold three times.

Helping Xinhua Life Insurance for the first time,

Helping China Insurance for the second time,

The third time was in 20 18, and Anbang insurance was pulled, and Anbang successfully turned into universal insurance.

The so-called brand companies account for two of them, and everyone is still alive and well.

So it doesn't matter which "insurance company" you choose, this is the product you should worry about most.

I have a detailed answer to this question in another article: Are small insurance companies reliable?

All your questions about claims and services of "big and small" insurance companies can be found in this article.

Small company products have no other advantages except low price?

Your idea just proves your amateur status.

I can judge by comparing these two products.

One is the product of a big company, and the other is the product of a little-known company.

By the way, these two products sell well both offline and online:

How's it going?

Do you still have confidence that the products of small companies are not good?

The answer is obvious. Online product liability is not worse than that of big companies, or even much better.

Spending less money can buy better responsibilities. Isn't it delicious?

The products of big companies are expensive because of the brand premium.

The customer spent more money and bought a lonely one.

If it is a piece of cake, shareholders and companies eat too much and customers eat too little.

Take advantage of the information asymmetry that consumers don't know about insurance and low-priced products, bundle a lot of unrealistic responsibilities and sell them to you, and the price will definitely go up.

In addition, consumers should not only pay for the advertising expenses of insurance companies, but also pay for different levels of sales systems.

Think about it, can it be cheaper?

So just so you know,

The real father of the insurance policy you bought is the whole supervision system, and everyone is the same.

As long as you choose your son, the insurance you buy is good enough.

In the end,

It's normal to buy insurance for the first time and not know how to buy it.

But it is the most basic to do a good strategy before buying. If it's too big, at least you won't buy the wrong insurance.

Generally speaking, considering the quality of family life, the premium should not exceed 15% of the annual income.

I hope you can gain something after reading this article.

More insurance configurations, welcome to pay attention to big money, and save half the money by buying insurance.