Why do some people still reject insurance? Is it really impossible to pay for a meal with an insurance?

Or rejection? I have always been repelled! No exceptions! I will break up with the friend who takes insurance! No exceptions!

Exclusion from insurance has nothing to do with money, but everything to do with the pitfalls of insurance! Those who work in insurance should reflect on it themselves.

First, the current good image of the insurance industry in the public mind has not yet been established. Many scandals in the insurance industry in the past two years have caused the influence of the insurance industry to plummet. Insurance is not safe, so people don’t believe in insurance.

Second, insurance claims are difficult to settle! Buying insurance is a kind of blind promise made by business people. When it comes to actually settling the claim, you will find that it will not compensate you, and it will not compensate you anywhere. Anyway, you will not compensate if you can. The difficulty of settling claims makes people stop believing in insurance.

Third, there are currently fraudulent clauses in insurance claims in our country, and many format clauses are problematic. However, due to the lag in the current insurance law, many life insurance and critical illness insurance cannot play their insurance functions at all. . For example, under the terms of critical illness insurance, there is no compensation for minor illness, but compensation for severe illness. No compensation for illness, but compensation for death! This kind of clause that is seriously against human nature appears in one critical illness insurance contract after another! No one who is sick does not want to get worse and wants to be cured as soon as possible. But you spent a lot of money on the treatment and the insurance company refused to pay in the end. All the insurance premiums you paid were in vain! Such reports abound. So people don’t have a good impression of insurance, and I mean they don’t have a favorable impression of life insurance.

Fourth, compared with life insurance, property insurance is much better. With the increase in property insurance lawsuits in recent years, many unreasonable things have been corrected by law after litigation. Property insurance Gradually get back on track. Therefore, if life insurance wants to return, it must go through a lot of litigation and let the law regulate the insurance company's claims, so that the claims will become more and more standardized in the future!

Fifth, currently, the credit of property insurance companies is better than that of life insurance companies, but the profits of life insurance companies are much better than those of property insurance companies! As for the reason, everyone will know it by thinking about it!

Sixth, there are many reasons why people are reluctant to buy insurance. Let’s talk about why we don’t want to buy insurance.

You can never wake someone who is pretending to sleep.

How should I put it? China’s insurance charges are in line with Europe and the United States, but when it comes to making claims, customers are treated as illiterate. Moreover, most insurance salespeople are unprofessional and unethical and will say anything to get you to buy insurance. A few years ago, a brother arranged a Jinnuo critical illness insurance for me for the sake of his wife’s performance. I still don’t know the details of that insurance [I want to be quiet][I want to be quiet][I want to be quiet]

I don’t care about the money for insurance, but I can’t afford to be angry about it.

It is easy to buy insurance but difficult to claim compensation. This is the confusion when buying insurance for individuals.

It’s really deceiving. When I ask you to buy, I treat you as your grandparents, and when you settle the claim, you are my grandson’s neighbor’s grandson.

Let me answer: The concept has not changed. . When I worked in a private enterprise a few years ago, the vice president in charge of labor and management complained that new workers often asked: Is there labor insurance? The Labor and Employment Department said that I need to pay insurance. Some people heard this and stayed. It is said that it is impossible without insurance. Some people turn around and leave as soon as they hear that insurance is required. I still have to pay for insurance at work, which is puzzling. These people never thought about what they would do when they get old and can no longer work. Who do you rely on for your retirement?

It is easy to buy insurance, but difficult to settle claims. Once something goes wrong, you won't be compensated for this or that. Even if you are compensated, you will be asked for a lot of supporting documents. Running around to issue certificates and submit documents is enough for you.

I saw a very cheap insurance online a few days ago. Before I bought it, I looked at the different types of insurance policies. My phone showed 4 and a half pages. This one didn’t cover that one, and that one didn’t cover it. After researching for a long time, I couldn’t figure out what it was. I could afford compensation, but I didn’t buy it...