As long as the insurance websites found through formal channels, such as official website of the insurance company, or the third-party insurance consulting platform, such as Nandabao, are reliable. Insurance companies, whether offline or online in official website, will be subject to the supervision of the CBRC, with high security. At the same time, online insurance will be more convenient than offline insurance, and there are many kinds of products. You can shop around and find the insurance that suits you best. This article can help you have a general understanding of online insurance: "What are the online insurance supermarkets? What should I pay attention to in online insurance? 》
First, how to buy insurance scientifically?
1.？ Adults take precedence over children.
Buying insurance for children is to protect children, but parents are the greatest protection for children. Once parents have a situation, their growth will be greatly affected. Therefore, parents should give priority to providing complete protection for themselves and then consider configuring insurance for their children. ?
2.？ The insured amount first, then the insured period.
Adequate insurance coverage can effectively avoid losses caused by extreme risks, so in the case of limited budget, it is undoubtedly necessary to increase the insurance coverage first and then consider the guarantee period.
3.？ Safety first, financial management second.
This is easy to understand, just like "live first, then live well". If personal protection is not in place, then the significance of financial management is difficult to reflect.
4.？ Risk first, then probability.
Insurance gives priority to whether it can effectively resist extreme risks, and then considers the probability of risks. For example, millions of medical insurance and small medical insurance, although millions of medical insurance is of little use, can reimburse the huge expenses caused by serious illness; The frequency of reimbursement for micro-medical insurance is relatively high, but the maximum insured amount does not exceed 50 thousand. Obviously, the priority of million medical insurance is higher than that of small medical insurance.
5.？ Step-by-step distribution, overall planning and long-term planning
You can choose insurance according to your needs. There is no need to say that it is directly in place. After all, our demand for insurance is constantly changing. Dad suggested that the insurance plan should be made on a family basis, with five to ten years' long-term planning and allocation. The insurance plan can be flexibly adjusted according to its own needs.
Second, dad's summary
Online policy and offline paper policy have the same legal effect. After this situation is clarified, you can configure the insurance plan according to your own needs. If you don't know what types of insurance there are, you can read this article: "What are the four major types of insurance? You will understand after reading this article! 》
Hope to adopt!