Ji 'an Ruixin Information Consulting Company Recruitment

Serious illness is the first step that people often choose to insure, but facing all kinds of products on the market, as customers, it is inevitable that they will be at a loss and confused. As an insurance broker, it is necessary to solve problems for customers and choose insurance companies and products. I hope my analysis below can help you understand this insurance more clearly. Classification of major diseases: 1. Major consumer diseases, like auto insurance, are paid once a year. If you are out of danger, you will be paid. If you don't escape, you will pay the price. This kind of consumer insurance can be attached to the main risks of other insurance products, or it can appear separately. Because it is a consumer type, the premium is relatively cheap. The insurance company won't insure you, and you can't get the insurance when you need it most. This kind of insurance is aimed at young people who are aware of insurance but have temporary financial problems, but still need to reconsider insurance after they have money during the insurance period. (Recommended: PICC Health Life Insurance Company) 2. Regression: Recurrent major diseases are very common in the market now. The insurance company will customize an insurance period and the types of diseases covered. On the due date, if you are not sick, some of the premiums paid, or the insured amount, will be paid out. However, return types do not need to be customized for life. The best age is between 60 and 80, which is when it expires. At this age, the high incidence of major diseases has passed, and the money due can be used as a pension. If the safety time is too long, it will lose decades of time cost. (Recommended: Sino-Dutch Life Insurance and Sino-British Life Insurance) Dividends for major diseases: 1. Dividend on the insured amount: set a period of time and gradually increase the percentage of the insured amount (recommended: Haikang Life Insurance) 2. Cash value dividend: cash value multiplied by dividend ratio (recommended: Sino-Dutch Life Insurance) Major disease form: 1. Insurance products with the largest number of major diseases: 50 major diseases are currently covered the most (recommended: Great Wall Life Insurance) 2. Minor illness insurance products: this is worth talking about in detail. Most major diseases, such as heart stents, are not within the scope of major diseases, and minor diseases can be paid. At present, there are only two kinds of mild products on the market, one is 8 kinds of mild diseases, the other is 10 kinds of mild diseases, and 40 kinds of major diseases, which are very good. (Recommended: Life Life, Everbright Life Insurance) Due to the relatively high medical expenses and rising CPI, our experts suggest that the insurance coverage for major diseases should be at least 300,000 yuan. I hope my answer can help you. If you have any questions, please contact me.