Insurance companies are working so hard, why do people still insist on it?

Hello, the back office work of the insurance company is hard, but the benefits are good and the work is stable, so some people will be willing to stick to this position all the time. In fact, every job is not so easy, and the back office work of the insurance company is still very good.

I. Insurance

Insurance is a Chinese word, pinyin is b m 4 o xi m 4 n, and English is insurance or insurance, which 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.

From the perspective of economics, insurance is a financial arrangement to share the loss of accidents; From the legal point of view, insurance is a contractual act, a contractual arrangement in which one party agrees to compensate the other party for losses; From a social point of view, insurance is an important part of the social and economic security system and a "subtle stabilizer" for social production and social life; From the perspective of risk management, insurance is a method of risk management.

Second, the main types of insurance

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.

4. 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.