What are the precautions for buying insurance?

There are mainly the following points:

1, the first consideration is age.

2. The premium expenditure should be 10%- 15% of the annual income, and the insured amount should be set at 6- 10 times of the annual income. But it needs to be analyzed in detail.

3. Whether there is social security, please pay attention to obtaining medical insurance and providing for the aged.

4, under the premise of social security, planning commercial insurance, focusing on the protection of accidents and serious illness. Social security and commercial medical insurance cannot be reimbursed repeatedly, please remember.

5. At the same time, pay attention to the protection of family members, protect the people around you as much as possible, and achieve comprehensive family protection. Otherwise, the protection will be unbalanced and the meaning of protection will be lost.

6. It is very important to give priority to ensuring the main source of family income as much as possible.

: insurance means safe and reliable guarantee; Later, it was extended to a guarantee mechanism, a tool for planning life finance, a basic means of risk management under the condition of market economy, and an important pillar of financial system and social security system.

Insurance refers to the commercial insurance behavior in which the applicant pays the insurance premium to the insurer according to the contract, and the insurer bears the responsibility of paying the insurance premium for the property losses caused by the possible accidents agreed in the contract, or when the insured dies, suffers from disability, illness or reaches the age and time limit agreed in the contract.