Is insurance a necessity of life? Is the occurrence of risk accidental or inevitable? Or is it inevitable by accident? Each of us has lofty ideals, a beautiful vision for the future, all working hard for it, and all moving forward in order to realize our ideals. I believe that if there is enough time, everyone's goal will be achieved, and there will be no regrets in this world. However, this is not the case ... what prevents us from realizing our dreams? What things are beyond our control? What are the consequences of these things? Is there any way to get a known result from these uncontrollable events? Insurance! Only insurance can solve the problems of life: birth, old age, illness, death, disability ... For these things that are bound to happen but I don't know when, prepare certain funds to ensure the financial security of the family. Among all personal risks, illness and accidents are the two most uncertain things. Many people will say "I have social security", "the company has good security" or "I am in good health" and "I will not have an accident" ... Do you know anything about social security or the security provided by the company? Can all medical expenses be reimbursed? Will you work in your present unit all your life? In case of illness, can I continue to work in the original unit and get the same remuneration? In case of accidents, can the unit provide for your parents and children ... Social insurance is the basic right of every citizen, and commercial insurance embodies everyone's ability and continues our unshirkable responsibility! In family security planning, the first line of defense is accident and disease protection. The responsibility of accident insurance is very simple, usually a consumer product that is guaranteed once a year. The choice of such products mainly depends on the price, and it is good to ensure that the content price is low. Critical illness insurance is different from "social medical insurance" and "supplementary medical care" provided by the unit. Instead of reimbursement by receipt of medical expenses, the insurance company will pay the insurance amount in one lump sum based on the diagnosis certificate issued by the doctor. Therefore, the two do not conflict. Critical illness insurance can be used as a preparation for medical expenses (especially to make up for out-of-pocket medicine expenses), or as a preparation for income loss after illness, so that families can maintain their original living standards ... Isn't it necessary for each of us to turn uncontrollable events into controllable results? Major diseases that seem to be far away from us have always been around us, and more and more young people have turned pale! Searching online for "the youngest patient with myocardial infarction", I found a 23-year-old boy; Searching for "the youngest stroke patient" is also about 30 years old; Searching for "the youngest cancer patient" is less than 1 year old ... and then seeing more and more celebrities die of various diseases, lamenting that life is so small. However, getting sick is a person's business. If we put a heavy burden on our family and let our children give up their studies, I think this is something that no caring and responsible person wants to see. We can solve the problem of pension and education fund through savings and investment, but we must not rely solely on savings and investment to complete the necessary expenses such as living expenses and medical expenses, because both "savings" and "investment" take time. Who knows how much time they have? Insurance is the only financial tool that can buy "time"! Advise everyone who reads this article: You can refuse the insurance agent you don't like, and you can refuse the insurance marketing methods you don't like (telephone harassment, door-to-door sales, street stalls ...), but never refuse insurance! What you need to do is to find a professional financial advisor (individual or team) who can really stand in your position and help you solve problems (not limited to insurance), and will never contact you actively without your permission (except email or SMS).
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.