But in fact, insurance never deceives people, and the insurance industry is strictly regulated by state organs. Then why do so many friends think that insurance is flawed? Let's talk about this problem in detail.
And if a friend doesn't know whether to buy insurance, you can see what the experts say:
"Do you want to buy insurance? If we don't get out of danger, won't the money be wasted? 》
1. Why do many people think that insurance is defective?
It is understandable to think that insurance is deceptive;
1, insurance salesmen fool people for performance.
In the past, the insurance industry was in the development stage, and some insurance salesmen themselves lacked professional quality. Some insurance salesmen themselves are not familiar with the insurance clauses and go to work directly to sell insurance. Some of these insurance salesmen simply don't care about the "real protection needs of customers" in order to improve their performance. When reading insurance products to customers, in order to pay the bill as soon as possible, we promise and even deceive consumers at will.
However, due to the misleading of some insurance salesmen, consumers seek compensation from insurance companies and are refused compensation. This situation will make customers feel that they have paid so many premiums for nothing and that insurance is "pit".
However, with the country's rectification of the insurance industry, the whole insurance industry has rarely seen such a situation of fooling customers.
However, in order to avoid being cheated again, we still need to know some basic knowledge of insurance:
Before buying insurance, you must first understand these key knowledge points! 》
Step 2 buy the wrong insurance
In fact, there are many kinds of insurance, which can be roughly divided into two types, as follows: guaranteed insurance and financial insurance. In fact, safety insurance only provides protection. For example, critical illness insurance can protect major diseases with high incidence and can transfer the economic risks brought by diseases well.
And financial insurance is endowed with financial management function, and the income can be obtained. Most of them also have the safeguard function, but compared with the safeguard insurance, the safeguard function of financial insurance is weak.
People who feel that insurance is not good may be because the insurance they bought is not good, but there are also cases where they will not pay. For example, they have insured a financial insurance product, which has the function of death protection, but it is the focus of financial management. After the customer gets sick, he goes to the insurance company to settle the claim. The financial insurance contract stipulates that you will not be compensated if you are sick.
3. Health notification and rapid response
Health notification before insurance allocation will also greatly affect whether insurance can claim, and health notification is also an important basis for subsequent claims.
If the health notification is perfunctory, the insurance company will retrieve the content of the health notification when making claims later. In the case of audit, it is found that there is something that does not conform to the real situation, and the possibility of being refused compensation is particularly high.
If it is for this reason, it is really wrong to buy insurance and refuse to pay compensation.
4. The insured did not see the terms clearly.
The insured himself is careless about some clauses, and will think that the insurance company is cheating, just as it is clearly stated in the clauses that certain diseases are not covered, but the buyer himself made a mistake and blamed the mistake on the insurance company. Actually, this is quite inappropriate.
Insurance cannot cover everything. Configuring an insurance for ourselves can only transfer our risks as much as possible, and the insurance company will bear these risks. However, the risk tolerance of insurance companies is limited and it is impossible to cover everything. Therefore, many insurance companies will write this situation in the contract without taking responsibility.
Second, how should I buy insurance?
Then, according to the specific reasons specified above, the senior summarized several key points of buying insurance:
1. Learn some basics: Just like buying vegetables in our daily life, we need to know what vegetables we see and what meat we have, and which parts of vegetables and meat are edible and which parts are not. We still need to know the basics of insurance, but the knowledge involved in insurance is quite professional and it takes a long time to understand clearly.
2, according to their own protection needs: insurance is not everything, different types of insurance will provide different protection, and buying the right insurance at the beginning is related to the final claim.
People can't avoid facing risks in their lives, such as accidents, diseases and deaths. Therefore, their own personal health protection should be the first consideration.
This paper specifically introduces the functions of four kinds of insurance, which you can take a look at:
What's the difference between critical illness insurance, medical insurance, accident insurance and life insurance? Will there be conflicts when making claims? 》
3. Health notification should be truthfully informed: To put it bluntly, health notification is an investigation made to predict risks before insurance, because it will affect subsequent claims, so it should be truthfully informed. However, we should not think that the insurance company is actually embarrassing everyone by setting up this health notice. The most basic thing is to answer and ask questions.
Write it at the end
I am an expert in insurance, focusing on objective, professional and neutral insurance evaluation;
If the above content has not solved your problem, you can also come to the official account of WeChat to learn to bully 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: Xueba said that insurance costs less, buy the right insurance!