Do I have to buy insurance if I have no money?

The poor need insurance more than the rich. There is no extra money. Do you want to buy insurance? Money is tight, it is even more important to buy insurance, at least to buy health insurance or medical insurance, so as to ensure that you are prepared for accidental injuries and know that illness is inevitable. But when you have insurance, you will face it calmly.

1. Many people define insurance as a "fraud project" and think that it is useless to pay insurance for a long time. In fact, this statement is not wrong. Take sickness insurance as an example. If we don't get sick for the rest of our lives, all the insurance premiums paid before will be paid to Shui Piao. But have you ever thought that if we get sick and are covered by sickness insurance, the premiums paid in the past are equivalent to giving us the right to a second life?

Simply put, it is to spend a small amount of money on insurance. It can make you face unknown risks or disasters in the future, and it will not let us get into hot water. It won't make us work hard. Hard-earned wealth. Insurance is born to cope with risks, especially in today's society, the incidence of major diseases is high, and the onset age is younger. Although the cure rate is relatively high, the expenses behind it also discourage many families.

If you want to buy insurance, you can buy accident insurance and medical insurance first. Compared with life insurance and critical illness insurance, accident insurance and medical insurance are relatively cheap. If you buy it at the age of 30, you can buy it at 500 or 600 a year. This is also a very basic guarantee. Insurance is to reduce the economic losses caused by unpredictable accidents. To put it bluntly, insurance is money.

Money is tight, solve the problem of food and clothing first and see how tight it is. After all, although the current insurance is good, it needs long-term purchase. Ten years or twenty years, after all, can't be solved in one year. Doing so for a long time is also a big expense. If it is commercial insurance, it depends on your income. It is generally believed that 7% of family net income after tax is the upper limit of commercial insurance premium, which can ensure the continuity of insurance. Otherwise, many insurances will be surrendered in the middle, resulting in great losses.