Why do many people say that in Chinese mainland, only social security and auto insurance are worth buying?

Many people think that the current insurance company is a group of "swindlers", with so many employees, so high wages and so luxurious office space ... where the money comes from is self-evident. Can't pay, definitely not. If you can compensate, try to lose as little as possible. It is normal to push three obstacles and four obstacles. Ordinary people who play word games cannot compete with these social elites.

From the current insurance industry (no matter which insurance company), you really can't buy anything except auto insurance. Social security and medical insurance are both issued by the government, and their credibility is beyond doubt. For example, as long as you are insured, you can basically reimburse a large part of medical insurance, regardless of medical history, which has a certain welfare nature. What about the insurance company? Is to make money for the purpose, the more the better. It is almost hopeless to get its claim, and it is always easy to find a bunch of reasons.

Many people think that Chinese mainland has a poor insurance reputation. Why don't people trust it and don't want to buy it? I think I will only be disappointed if I have experienced all kinds of things. Here are some reasons.

First, the practice of network service is not feasible. Many insurance companies advertise that we are a national company with networks all over the country. No matter where you buy insurance, you will get quality service. In reality, this is completely impossible. Because, you bought insurance in other places, I came to the scene to investigate and settle claims. How is my income reflected? I'm not Lei Feng. ! Although institutions in different places will not say so, the quality of service is greatly reduced. They either don't answer the phone, don't accept the report, or act slowly and deliberately make things difficult for you, so that your payment can't be implemented and you are exhausted.

Second, the power of interpretation is entirely in the hands of insurance companies. There are many products of insurance companies, and they are constantly being revised and upgraded. Most people simply can't figure it out. What's more, insurance companies generally only have product manuals and do not provide detailed information at all. It is difficult to have a framework understanding of the product. Moreover, the terms of the contract text signed with the insurance company are extremely numerous, the content is very complicated, and the font is very small, which can hardly be seen clearly with a microscope. It is difficult for you to have a basic understanding of products through this text. Finally, I can only listen to the salesman's explanation and believe what he (she) said today. Who is not clear about the future, it is difficult for consumers to know.

Third, the marketing of insurance companies emphasizes emotional consumption. Insurance companies emphasize "marketing skills" and "speaking skills", such as what to say to what kind of people, what to say first, what not to say, what time to choose, what kind of occasion to create what kind of atmosphere, what kind of props to use, from what angle to measure, what kind of examples to give, how to avoid comparing with similar products of other institutions, how to guide customers to "calculate real accounts" and how to fight. In such a scenario, it is difficult for customers to make rational consumption.

Fourth, the marketing of insurance companies is like "MLM". How many days of attendance and morning meetings are required for salesmen every month, to publicize typical examples, to accept "brainwashing", to create momentum, to shout slogans and recite formulas, so that salesmen can forget themselves, lose social normality and plunge into a specific atmosphere. Publicize the salesman's income ranking every week, emphasizing how much to sell and how to get rich as soon as possible. Educate the salesman how to calculate, especially according to the high limit, to attract this customer to be fooled as soon as possible. Never give more information to customers, lest they can't justify themselves in the future and even lead to lawsuits. Never educate and treat customers honestly, discuss with customers sincerely and equally, and set the interests of insurance companies against those of customers, so it is difficult to achieve long-term benign interaction between insurance companies and consumers.

Doing insurance means doing credibility and protecting the credibility of both parties. Whether to make money or not is not just in the long list! Obviously, we lack such credibility!