Do you think it necessary to buy commercial insurance?

Insurance is insurance with human life and body as the subject matter of insurance. Generally speaking, life insurance is insurance to solve the economic problems caused by injury, old age, illness, disability and death.

Why should we solve economic problems? Because insurance itself cannot prevent the occurrence of risks, its function is to solve or alleviate economic problems by paying insurance money when risks occur. Remember Mark Twain's words? Truth is stranger than fiction. In the real world, nothing is guaranteed. Therefore, senior sister thinks that in the unpredictable real world, an insurance is still necessary.

According to the function, it can be divided into four categories: life insurance, medical insurance, critical illness insurance and accident insurance. Senior sister suggested that you can consider this:

1. life insurance: it solves the problem of death, and you can get the agreed coverage regardless of illness, accidental death or suicide after the second anniversary of the policy. Life insurance is mainly prepared for people with work income. The solution is to reduce the income pillar, which will not bring difficulties to family life.

2. Medical insurance: solve the problem of reimbursement of hospitalization expenses caused by diseases and accidents. At present, most of the millions of medical insurance have hospitalization green channel service and hospitalization advance payment service. Compared with before, it has really improved a lot. At least I don't have to collect money for treatment first, and then reimburse it after discharge.

3. Critical illness insurance: the solution is that there is a sum of money to be treated with peace of mind after a serious illness, and the second is to solve the problem of family living expenses. After a person is sick, he needs to rest for several years, but he still needs to continue to spend money to pay back the car loan, raise children and provide for the elderly. This kind of insurance is suitable for adults and children.

3. Accident insurance: bear the insurance liability of death, disability and medical treatment caused by accidental injury. Accidental injury must meet four factors: external cause, sudden, unintentional and non-disease.

4. Xueba said insurance summary

Senior introduced the basic knowledge of life insurance, health insurance and accident insurance according to the function of insurance. Of course, with this knowledge, it is still difficult to choose the right products in the mixed insurance market. Read the following strategies carefully before buying insurance, which can save you tens of thousands of dollars: super full! Everything you want to know about insurance is here.