Taikang Universal Insurance (20 15) Protection Plan How about this insurance?

Without demand analysis, talking about products only hurts each other. So, no problem. Because people have different modes of thinking.

I suggest you study more demand and less product. Because everyone's needs are different, and the differences in products are even more varied. Is it meaningful to study products?

Many friends ask questions when they come up, and the format is like a question.

I read @ Li Yuanba's article about insurance, and also read the critical illness insurance recommended by Sunshine. If a 27-year-old woman buys an insurance policy of 1.5 million yuan, it is 1.4 1 yuan every year. Taikang's universal insurance is 65,438+10,000 for serious illness, which pays more attention to accident protection. There are also 10 to 200,000 traffic accidents, and the annual premium is 2,300, which will be returned at the age of 80. Sunshine is guaranteed until the age of 70. However, seeing so many people say that they want to buy consumer insurance, I would like to ask experts what they think of Taikang universal insurance. With all due respect, after reading @ Li Yuanba's article, many people still don't understand insurance and insurance planning, including brokers, agents and countless people who eat melons. How about sunshine insurance? I just sorted out the relevant content, hoping to help you: how about sunny life? Top ten sunshine insurance products list!

It's like a patient catching a cold and going to see a doctor. The doctor asked: What's the matter with you? The patient said, Doctor, what's the difference between Contac and Tylenol? Ask the doctor's psychological shadow area.

~ ~ & gt_~~

So the insurance industry in China is like this year after year, neither good nor bad. A lot of premiums, all paid tuition. The road to brokers is difficult. Yuan Ba, what do you think? @ Li Yuanba

Let's find as many brokers as possible and give China an opportunity to insure, shall we? Please, everyone! I think there are several brokers in Zhihu worth entrusting. Others find it themselves.

Let's get down to business.

What is the demand? What can I buy? This is qualitative.

I want to buy a serious illness. Is that a requirement? Not exactly. This is the expectation.

After calculation, customers should consider the 20-year term life insurance of 6,543.8+0,000, the 20-year term critical illness insurance of 500,000, the lifelong critical illness insurance of 200,000, the medical insurance of 6,543.8+0,000 and the accident insurance of 6,543.8+0,000. This is the demand. The difference between needs and expectations is rational analysis and perceptual epiphany. It is generally recommended to take the path of rational analysis, which is more reliable.

Buy it if you want, right? If you don't buy it, you still feel a little confused. Let's make a comparison.

Don't worry about accident insurance. 60 yuan, an intermediary channel, can guarantee 654.38+ million.

The so-called high accident insurance is actually a breakdown accident insurance such as traffic accident insurance, which is cheaper.

Look at the comparison chart.

Isn't it obvious? 1. The combination scheme uses three products, and universal insurance is one product. This omnipotence ensures a simple victory. 2. There are 6 1 serious diseases and 42 universal insurances in the combined scheme. 3. The mild symptoms of the combined scheme 15, and the compensation is 3 times. Universal insurance has no minor illness protection. 4. The portfolio plan has a moderate premium exemption, but universal insurance does not. 5. The waiting period of the combined plan is 90 days, and the universal guarantee is 180 days. So, where is omnipotent? Where can it be?

And then spit out your ridiculous opinions before. At one time, I was optimistic that with the development of intermediary industries such as insurance brokers and the outbreak of internet insurance, the insurance industry had an obvious improvement trend. Now it seems that my view is indeed a bit too optimistic. In Zhihu, many brokers constantly instill demand orientation, or many friends come up and ask how XX products are. Is the XX product good? This is not product-oriented. What is this? Some products, both in coverage and cost performance, have been abused as dogs in Zhihu. However, people live well offline, relying on China's national conditions, crowd tactics, gift marketing and information asymmetry.

Please have a look at the comparison table above. I just want to ask, do you know that Tang of Taiping Life Insurance is so expensive? Why don't you go to heaven? Treat consumers as fools?

Reference: How do insurance brokers plan insurance for themselves?