What do you mean by the premium and amount of insurance?

Premium and insurance amount are the decisive parts of insurance clauses, and they are also the key factors for us to measure the cost performance of products.

So everyone must pay special attention to the products. Then, let's look at the insurance premium and the insured amount and let us know what they are.

Before buying insurance, it is actually very necessary to know the basic knowledge of insurance to ensure that you will not buy the wrong insurance:

"Super complete! Everything you want to know about insurance is here.

1. What's the premium and coverage?

1, advanced

The premium can be said to be the fee paid by the insured to the insurance company according to the contract requirements in order to obtain insurance protection. In other words, the premium is the fee that consumers pay to the insurance company according to the contract in the process of purchasing insurance.

Premium is also equivalent to the price of insurance, which can reflect the cost performance of insurance. In fact, it is not that the lower the premium, the more commendable the cost performance, and the higher the premium price, the lower the cost performance. In fact, the high cost performance of insurance is also affected by some specific factors.

2. Insurance amount

The insured amount is actually the insured amount. When an insurance accident occurs in the insurance contract signed between the insurance company and the insured, the insurance company must pay the maximum amount of compensation.

Anyone who knows about insurance products should have heard of the basic coverage. From the basic insurance amount, we can see that the compensation amount provided by different insurance items is calculated under the insurance contract. The coverage of some products is similar to the basic coverage, while others are different. You need to know the product terminology. Usually, when we talk about choosing the insurance amount, we usually mean the basic insurance amount.

For example, Xiao Wang has purchased 200,000 yuan of basic insurance. When Xiao Wang is unfortunately diagnosed as a serious illness and meets the claim conditions, the compensation paid according to the contract can reach 65,438+0.20% of the basic insurance coverage, which means that Xiao Wang Can gets 240,000 yuan in compensation.

What is the appropriate amount of insurance? If you want to know more, you can read this article:

How much insurance is appropriate? Talk about the doorway inside.

Second, what should I pay attention to in terms of premiums and insurance coverage?

When consumers buy insurance, premiums and insurance coverage will generally become their most concerned points. But many people don't understand what factors affect the premium. To put it bluntly, the premium level is also affected by factors such as payment period, guarantee period, operating cost and insurance amount. Then let's discuss the most common influencing factor, insurance coverage.

The amount of insurance has a certain influence on the insurance premium. The higher the insurance coverage, the stronger the ability to resist risks. Then, other things being equal, the premium of high insurance and low insurance will be more expensive.

If the allocation is high, you have to pay a lot of money and face greater economic pressure. Even affect the current economic life; Consumers with low premiums will not have great economic pressure, but the corresponding insurance protection is not much, and the role of resisting risks is not obvious.

Therefore, it is necessary to determine the insurance rate within the actual situation and control the premium according to your actual needs and economic situation.

Third, how to buy critical illness insurance?

After a general understanding of the premium and the insured amount, a large number of small partners are also worried about how to start insurance. Then the senior took the critical illness insurance as an example.

Critical illness insurance is "income disability insurance", and its insurance money is mainly used to support the later rehabilitation expenses and family living expenses.

First of all, how much should I buy for critical illness insurance? As we all know, the cost of treatment for serious illness is quite huge, and the cost of subsequent rehabilitation and recuperation is also not small, so the coverage of serious illness insurance should not be set too low. If the coverage is too small, there is no way to transfer the economic risks brought by serious diseases.

If you want to buy critical illness insurance, Senior Sister suggests that you insure at least 300,000 yuan, preferably 500,000 yuan.

Moreover, the characteristic critical illness insurance lies in adequate protection. Because there are still some serious illness insurance products on the market that do not contain moderate or mild illness protection, only serious illness protection, so there is no way to provide comprehensive protection for the insured. Senior sister thinks it is better to choose critical illness insurance products covering serious illness, moderate illness and minor illness protection. If you can freely choose products with additional protection such as secondary compensation for cancer, secondary compensation for cardiovascular and cerebrovascular diseases, and death, it is even more recommended to start.

If you don't know how to choose critical illness insurance products, you can also refer to the critical illness insurance insurance strategy compiled by this senior:

"Which is better for critical illness insurance? How to buy it is cost-effective, and teach you to avoid these pits of insurance."

4. What are the precautions for purchasing critical illness insurance?

Not only the contents mentioned above, but also consumers need to fill in the health declaration, that is, health notification, according to the requirements of insurance companies when purchasing critical illness insurance. Health information can not be ignored by consumers, which will directly affect the success of our choice of our favorite insurance products.

But there is no need to worry too much. We just need to follow the principle of "tell the truth, don't ask, don't answer".

5. Where can I buy critical illness insurance?

Assuming that insurance has been selected, both online and offline insurance can be used.

App, applet, official WeChat account, official website, etc. Insurance companies can be used for online purchases or through third-party platforms. If you don't know how to insure, you can also call the insurance company to buy it.

If a friend chooses to buy offline, it is usually the business outlet of an insurance company, and you can also consult the salesman of the insurance company around you. For example, Ping An Insurance has service outlets all over the country, and there are many offline insurance agents, millions of whom are very flexible.

Write it at the end

I am an expert in insurance, focusing on objective, professional and neutral insurance evaluation;

If the above content has not solved your problem, you can also come to the official account of WeChat to learn to bully and say that insurance consulting me;

I give you the most professional advice based on many years of experience in configuring insurance for 10W+ families.

WeChat official account: Xueba said that insurance costs less, buy the right insurance!