The purpose of buying insurance

We have not carefully thought about, the annual premium is so expensive, what insurance is to solve the real problems for themselves and their families. Or to solve the problem of high medical bills? Or start saving for retirement early. What we want to tell you is that the reason why insurance is called "insurance" is mainly because "insurance" can carry out "economic risk transfer", not to "make money". Therefore, the biggest role of insurance is to make up for the long-term definite and uncertain economic losses after the occurrence of risks. Such as: treatment costs, rehabilitation costs, long-term medication costs, lost income costs caused by work, and so on.

Choice of insurance company

First of all, the pricing of insurance products has nothing to do with the size of the insurance company, that is, if the same person buys the same kind of insurance in company A or Company B, the price should be basically the same. But why do similar products appear on the market with such a wide premium? There are two main factors: first, the responsibility may not be exactly the same, which will lead to a difference in premiums; Second, the additional non-insurance costs are too high, which is to say that the "price increase" is too much. And some insurance company sales staff will use the "size of the insurance company" as the reason for the "price increase".

As the technology of the Internet continues to advance, technology will not exist exclusive, but will achieve sharing, relatively speaking, large companies and small companies will be more equal. Therefore, whether to choose the brand degree of a large company or choose a cost-effective small company product, you need to think clearly, after all, it is your own choice.

How to buy insurance to save money

It is suggested that we can take three steps: the first step is to determine the needs. Be clear about what kind of insurance you want to buy. The second step is to choose the product type with high cost performance. For example, consumption-type serious illness insurance and term life insurance are relatively cost-effective types. Don't go for a return policy, which is one of the worst policies you can get. The third step is to obtain a plan with more comprehensive responsibility and higher insurance amount through combination and collocation.

Who to find for compensation

In summary, after buying insurance, the only services needed are security (policy change) and claims. In addition, all the care and greetings are to better promote the next sale. When buying insurance, it should be clear that the liquidity of the sales staff of the insurance company is very large, but the policy will not think that the after-sales service is gone because the sales staff is not there, this concept is wrong. Therefore, whether it is a large company or a small company, online or offline purchase, insurance claims or other services are carried out by a unified after-sales counterpart department.

Therefore, we do not have to worry too much and tangled, no matter where the insurance is purchased, the service will not be less.

（Writer：Lorik）