If you get sick in the future, do you want to buy insurance in advance or apply for Didi Finance?

That must be buying a serious illness in advance. After all, water drop financing is just crowdfunding, and how much it can be planned is undecided.

The insurance coverage for serious illness is your own choice, and how much you can have is a definite number. It is also more convenient to plan.

Many people may think that a serious illness is far away from me and belongs to a "small probability event". From a statistical point of view,

Suffering from serious illness is really a high probability event! According to the statistics of the Ministry of Health, the probability of a person suffering from a serious illness in his life is about 72%. The incidence of six common serious diseases, such as malignant tumor and acute myocardial infarction, remains high among all 25 serious diseases. People of different ages have different risk probabilities of suffering from 25 serious diseases in the future. After the age of 40, the incidence rate rises rapidly, reaching its peak at the age of 70. Today, about 10000 people are diagnosed with cancer every day in China, which is equivalent to one person getting cancer every 7 minutes on average!

Everyone wants to continue their life and live well, but even if they are rich, a serious illness will make family assets shrink rapidly and even become heavily in debt. Therefore, in addition to developing good living habits, they will gradually accumulate wealth through work and financial management, enhance their economic ability to resist risks, and be more confident to face diseases.

If I get sick in the future, I am willing to buy insurance in advance.

Guaranteed insurance can be roughly divided into life insurance, critical illness insurance, medical insurance and accident insurance, which is also the most commonly purchased insurance.

Life insurance: mainly covers death or total disability. Once the real risk comes, life insurance claims can pay off the remaining mortgage and car loan for us, and can provide us with the cost of supporting our parents and raising children. It is especially recommended that you have a full life insurance policy with various loans such as mortgage, car loan and householder.

Critical illness insurance: Critical illness insurance mainly covers major diseases. In recent years, with air pollution, water pollution and irregular diet, various diseases have become more and more common. Critical illness insurance is paid according to the insured amount. Once the agreed sickness insurance occurs, the insurance company will pay a critical illness insurance premium. This kind of claim can be used to make up for the loss of income caused by the inability to work during the period of serious illness, as well as the later recuperation expenses.

Medical insurance: mainly hospitalization reimbursement. Once you are hospitalized, it may cost a lot of money. Medical insurance can only reimburse a small part of the expenses during hospitalization, and the rest can be reimbursed by medical insurance.

Accident insurance: it mainly covers accidental death, accidental disability and accidental medical treatment. We go out every day, and no one knows what will happen next second. Sometimes we sprain our feet when we walk. The characteristic of accident insurance is that the premium is very cheap, so it is recommended to have one.

Insurance is purchased when it is not needed and used when it is needed. When we have the ability to make money, we should provide ourselves with an adequate insurance. When the real risk comes one day, at least we will have insurance to cover it.

When you open WeChat, you can often see all kinds of water droplets in your circle of friends.

1. Open the link between Didi Chuxing and Easy Chuxing, and you will see the patient's photo, ID card information and so on. If there is really another way, no one should want to send photos and information of their families online.

2. When drip financing and easy financing appeared, most people would open a link and donate their love. In recent years, with the emergence of various kinds of easy financing, some people take advantage of people's love to exploit loopholes and create some false events to gain sympathy. With the exposure of the incident, some people gradually stopped giving love at will.

In April, the father of one of my clients also launched a water drop fundraising for liver cancer, which only raised about 30,000 yuan in more than one month, while the treatment cost needed about 1.5 million yuan.

Young people who work hard in big cities are faced with heavy work pressure and life pressure every day, eating all kinds of junk food and staying up the most expensive night, and various sub-health problems abound.

In the past, people in their seventies and eighties had more relapses. At present, serious diseases are characterized by younger age, high incidence, high cure rate and high treatment cost. Therefore, when we are healthy and have the ability to make money, we can buy an insurance for ourselves, so that we can provide ourselves with the best treatment when risks come.

An insurance policy, a hope, a dream …

Please pay attention to Qiuchao Investment Channel for investment, wealth management, insurance and asset allocation.

There seem to be two choices, but there is actually only one choice, and that is to buy insurance yourself. Serious illness, cancer prevention, life insurance, configuration.

It is unrealistic to rely on crowdfunding platform. Don't give your life to others. Unless you can't afford the insurance yourself, you have to rely on others' help.

Please pay attention to Qiuchao Investment Channel for investment, wealth management, insurance and asset allocation.

Buying insurance by yourself and applying for drip financing are two different ways for people to cope with the risk of disease at present. The purpose is to prevent excessive medical expenses from bringing greater financial risks to themselves. In essence, it is a means of hedging economic risks.

After more than 20 years of development, commercial medical insurance has developed products with different functions, including outpatient service, hospitalization expenses, major diseases and nursing insurance. In the past two years, the "Million Medical Insurance" developed by various companies has become an insurance for online celebrities, earning enough eyeballs and gimmicks. For individuals, individuals and families can buy a variety of products according to their own financial situation, or they can buy a higher amount, so they have greater freedom in choice. It can be said that under the premise of participating in social medical insurance, it is the most effective means for individuals and families to purchase commercial medical insurance to deal with medical risks at present. This is to solve the compensation problem of medical risks faced by individuals and families through commercial contracts, and insurance companies are equal commercial civil rights holders. Comparatively speaking, the result is affirmative. Although there are still some shortcomings in the industry, the achievements far outweigh the shortcomings.

Didi Chuxing is a social fund-raising platform established with the development of mobile Internet in recent two years. Although it is often exposed that the audit is not strict and there are such fakes to defraud fund-raisers, it does provide practical help to an individual and family with poor economic resources. However, this kind of help belongs to the nature of social relief and has great randomness and uncertainty. First of all, I am not sure whether your information can pass the audit, how much money can be raised, and whether it can effectively solve the problem. And there is generally a limit (the current maximum is 300,000? In other words, this is social relief, not the reciprocal relationship of rights and obligations. In addition, those who apply for assistance also face the loss of personal dignity and privacy. After all, when applying for fund-raising, they need to disclose their illness and financial situation. Therefore, for most people, they may not apply for Didi financing unless they have to.

In short, commercial medical insurance and Didi Finance are different in operation mode, nature and effect. Of course, the two are not opposed. Under the premise of commercial medical insurance, you can still apply for Didi financing. But the reverse is almost impossible. Therefore, purchasing commercial medical insurance is a more reasonable and effective way of risk management.

Insurance, of course.

Who wants to lie in the hospital bed and shoot left and right, and upload all kinds of reports?

It doesn't matter if you take some photos, just bear it. Maybe raise 500 thousand, and finally get three or five thousand, that's terrible.

All kinds of fund-raising wishes are wonderful, but what about reality? Not everyone is so lucky, fundraising can be implemented.

Buy insurance and leave some dignity at the end of your life.

Recently, you can see a paragraph that has been madly transmitted in a circle of friends. A friend did a seemingly boring but meaningful thing. He easily collected nearly 50 water drops from his circle of friends in the past six months, made a data analysis and summarized something that can help us see the reality clearly. 1 Half of the patients are under 40 years old, and 20% are under 10 years old, which is not the 70-80 years old as expected. 2, 70% people have social security, but in the face of huge expenses, it is still a drop in the bucket. 3, cancer, cardiovascular and cerebrovascular diseases, leukemia, end-stage renal disease (critical illness insurance payment) accounted for more than half. 4, major diseases are not so far away from themselves, they are all people around them. 5, the fund-raising gap is still very large, whether you can get it depends on your contacts and personality and the economic level of people around you. 6. The average donation is below 200. 7. The average age is about 35 years old. They are all old and young. At least they have a suite, but they are unwilling to sell it. They pinned their hopes on social sympathy and the power of the Internet. Therefore, comprehensive analysis, don't pin the treatment of illness on water droplets.

A surgeon once said that 72. 18% of human doctors will get sick, and the rest will either not arrive or have no chance. What seems to be alarmist is not just an expression.

Suffering from a serious illness, neighbors can pay 200, friends can pay 500, confidants can pay 5,000, relatives can pay 10000, parents can pay 50,000, and insurance companies can only pay hundreds or even hundreds of thousands.

Critical illness insurance is a local tyrant. After diagnosis, you can give an account and make money, but you can see a doctor without seeing a doctor. Medical insurance is accounting. Give me the receipt and I'll reimburse you.

I hope the unwritten discussion above will change your mind. thank you

People are doomed to misfortune. You never know what will happen when people reach a certain age. Better plan ahead.

Take myself as an example. I bought myself a safe universal insurance eight years ago, including sickness pension. However, from the current situation, the insurance coverage is too low, not that the insurance I bought at that time was not good, but that the explosion insurance in previous years is not suitable for the present era and for me who will retire in 25 years. The times are developing and the society is progressing, which is suitable for the present and may not completely protect your future. So I bought a consumer critical illness insurance three years ago, which costs more than 300 a year and can be extended to 45 years old. After the age of 45, I feel that there will be new sickness insurance, which must conform to that era.

Whether you can predict what will happen in the future or not, it is better to buy insurance in advance than to go to crowdfunding at that time. Insurance can cover basic expenses. Crowdfunding is a trick to ask for help after cornering. Whether others can help is another matter.

I bought insurance and joined Alipay's mutual insurance. I was the first to join, not for my own use, but to help some people. Less than one yuan a month, nothing is delayed.

The above is my real case, I hope I can help you.

It is a lie for insurance companies to buy insurance! What's the matter? Insurance companies don't lose money! The insurance clause is very small, and the key is the small print. In the end, you can't pay for it, just the small print that you can't see clearly!

No one can say that he will not leave this world! This is an indisputable fact ~ and there are only two reasons for leaving this world: illness and accidents ~ but most people are lucky and think that these two will not happen to themselves ... insurance is to plan ahead and prevent problems before they happen! When unknown risks come, you can transfer risks and graft them to insurance companies; Better late than never, you can't raise a lot of money for treatment. In other words, even if you do, you may miss the best treatment period ~ if tomorrow and accident can really predict which one will come first, I believe no one will not buy insurance! No one wants to kneel and beg others to raise money for treatment!

When you ask this question, you know that when you are sick, 99% believe that you will choose insurance. Raising enough money is a joke. Only a few dozen or hundreds can solve millions of medical problems. Which one would you choose?