Why is insurance said to be an invention against humanity?

Everything in society satisfies the principle of demand and supply.

The same is true for people's original conventional thinking. When buying something, you hope to use it, or you need to use it, and you will only buy it if it has a certain effect.

Except for things like insurance, people buy it hoping they will never need it. This kind of thing goes against conventional thinking and the orientation of people's thinking, so it is difficult for insurance to be recognized by people.

As time goes by, society progresses, people’s thinking changes, and insurance is recognized by more and more people. However, because the original thinking has been deeply ingrained in the consciousness of many people, it will not be the same in a short period of time. Cannot be changed.

Contrary to conventional thinking and conventional laws, insurance is certainly something that violates human nature.

But it is this kind of violation that reduces the burden on ordinary people and reduces the pressure on society.

I used to think that insurance is a scam, and insurance companies are scam companies. It wasn’t until two relatives around me were diagnosed with cancer that I had a deeper understanding of insurance.

My aunt’s family has always been the richest among all my relatives. My uncle works as an engineering contractor with an annual income of millions. The family’s life is also very good, and many relatives are very envious.

Until 2015, my uncle fell ill and was diagnosed with liver cancer in the hospital. My aunt's family fell into a huge panic, and panic spread throughout my aunt's family like the sky was collapsing.

Later, my uncle chose to receive treatment. He went to many hospitals and received various treatments, but his condition still did not improve and was still spreading. Following the death of his uncle, his project that year did not go as planned. Various compensations and liquidated damages came one after another, and the family's income was also disrupted.

Without a stable and sustained income, coupled with various expenses such as treatment fees and nutrition fees, family savings are also decreasing sharply. As we all know, if cancer cells are not effectively controlled, no matter how much treatment is given, it will only It will get worse and worse. After two years of fighting the disease, my uncle still failed. He spent decades of savings and failed to save himself in the end. After my uncle left, I left a lot of mess for my aunt. My aunt, who was over forty years old, had no choice but to leave her pampered life and go out to work, and her quality of life was not as good as before.

The other thing happened to a neighbor's family. They are all farmers. They have no other income and their only source of income is farming. In fact, ordinary people with low income and single income are the least able to resist risks. A serious illness or accident is enough to bankrupt them.

The neighbor’s surname is Li, and he is usually called Uncle Li. Uncle Li had been approached by others to sell critical illness insurance to his door before. Unable to withstand the salesman's sales pitch, he bought a critical illness insurance for his wife with an insured amount of RMB 200,000.

In 2016, Aunt Li felt an abnormal lump in her body. She went to the county hospital for a test and the result was suspected breast cancer. She went to the city hospital and was finally diagnosed with early stage breast cancer. Uncle Li and Aunt Li were frightened when they heard it was cancer. Cancer is a very scary thing for rural people.

Later, the doctor said that fortunately it was discovered early and could be cured, but it would require an operation. The cost of the operation plus various post-recovery expenses would cost more than 100,000. More than 100,000 yuan is undoubtedly a huge sum of money for Uncle Li's family, and they may not be able to earn it even if they don't eat or drink for ten years.

Uncle Li, who was eager to save his wife, raised money everywhere, but he only managed to raise 20,000 to 30,000 yuan. When Uncle Li was extremely anxious, Aunt Li remembered: "Didn't our family have insurance the year before last? Will we pay for it?"

This sentence reminded Uncle Li, and he quickly called the customer service phone, and the customer service said Claims can be made.

After hearing that the claim could be settled, Uncle Li's face, which had been worried for a long time, finally had a smile.

With the help of the insurance claims adjuster, Uncle Li successfully received the 200,000 yuan in compensation. The moment he got it, Uncle Li said with sincerity: "It's a good thing I bought it in the first place, otherwise these hundreds of thousands would not be worth it." How did I manage to get it all together? It’s a human life.”

Later, after resection surgery and later rehabilitation treatment, Aunt Li’s illness seemed to have fully recovered. The total cost was 150,000, and there was still 50,000 yuan left to settle the claim. Ten thousand, which is equivalent to lost wages.

After experiencing these two things, I feel more and more that insurance, which I didn’t understand before, can really affect some things. Although it can't change your life, it can really prevent your life from being changed. If my aunt's family were not so rich, they might really go bankrupt. If Uncle Li's family didn't have insurance, Aunt Li might not have a tomorrow.

Many people in the world actually have this kind of thinking.

When buying lottery tickets and drawing draws, I always imagine that I will win, and I must be the lucky one.

But I naively think that risks, accidents, diseases and other bad things will never happen. Happened to oneself.

It is only when these bad things really happen that I regret why I was not prepared in the first place.

God will not give you another chance

When accidents, diseases, or cancer happen, you are not prepared for anything and can only rely on easy money and dripping water. Borrowing money and begging everywhere without any dignity, and even the family was ruined.

Only at the last moment will you remember that someone asked me to prepare in advance, but I was ruthlessly rejected.

The so-called cause and effect in the world is nothing but right and wrong. You rejected the cause. , there will be no result.

Therefore, insurance is not anti-human, but anti-thinking, and even breaks the rules of human nature.