In 2007, my mother was a neighbor in the village who ran insurance, and bought an insurance policy, paid a thousand yuan a year, paid enough for twenty years, and then you could get your principal back, and the rest of the money continued to be used as an insurance premium, as long as the body was itchy, hospitalized in their designated hospital, within the scope of reimbursement, you can be reimbursed. From the day you pay the bill, start to cover your health. To put it nicely, when I actually operated it, I found that there were still many rules and regulations and various conditions in it. When applying for this insurance, because it is a neighbor in the village, plus at that time, there is no rural joint treatment, many people feel that they have bought an insurance for their health, and as they grow older, in the future, in case they are uncomfortable and need to spend a large amount of medical expenses, there is insurance that can afford a part, not because of a serious illness, and the mountains and rivers are exhausted, and they return to poverty. So many people in the village have this insurance. A few years later, someone in the village hit a motorcycle with a trolley, was hospitalized, and finally sought insurance reimbursement, saying that it was because the insured was riding a motorcycle without a license plate and did not meet the standards and conditions for insurance reimbursement. There was another person in the village who had a heart bridge, and in the end he did not report it. Everyone reacted to this, because of illness and accidents need insurance reimbursement conditions so many, so harsh. Many people have been extremely disappointed in the insurance they bought since then, and shunned the entire insurance industry with disgust, thinking that this is a group of scammers, and everyone says that the neighbor in the village who ran to sell insurance at that time immediately became the target of everyone. Everyone saw him and hated not being able to tear him apart. Many people finally stopped paying directly, and the fees paid earlier should be adrift. I have always felt that insurance is a good thing, there is a kind of precautionary benefits, and then look at the company, the national insurance amateur leading big brother, how can not cherish their integrity and reputation. Until my mother was also hospitalized because of physical discomfort, spent a lot of money, looking for insurance reimbursement, was told, did not meet the conditions, not accepted, the conditions that were not met were that people could still move, did not cause disability, or could not take care of themselves, bedridden. My dad exploded in an instant, scolded the insurance company, and decided to terminate the insurance. But when my mother took out those forms and counted, it has been paid for twelve or three years, there are seven or eight years left to pay, and now it is terminated and not paid, and the fee paid before is not adrift, so she consulted with me and asked me if I still want to pay. I thought about it, too, there are seven or eight years left, pay a thousand yuan a year, it is seven or eight thousand yuan, or continue to pay it. Wait for the number of years to be paid, get the principal back, and never be fooled again. Once, I carefully thought about this insurance, a thousand yuan in 2007, and the current one thousand yuan, there is no comparison, the money has been depreciating, the promised interest, that is, the extra ten thousand yuan, when the number of years can not be taken out, how to calculate, how to suffer losses. It is equivalent to the insurance company doing a fundraising, the insured's money is all concentrated together, whether it is deposited in the bank, or to invest in others, is a huge amount of money, and the money earned back is more than many times larger than the cake promised to the insured. They are taking advantage of the thick terms and conditions of the insurance contract of ordinary people, they do not look at it at all, they look at it in vain, few people can fully understand the meaning of those rules, not to mention, there are many professional terms mixed in, can understand it is strange. There are still three or four people in the village who insist on continuing to pay the fee, and I have an idea, I don't expect to be reimbursed when I am sick and hospitalized or have surgery, that is, I want to pay enough years, just save a thousand yuan for myself a year, save enough for twenty years, and then return the goods to the original owner. My dad joked that it was stored in the bank, and there was interest to take, which was good, saved for twenty years, there was interest, but it couldn't be taken out, which was equal to nothing. The people in the village who ran insurance at the beginning also resigned and did not know what the reason was, so they directly moved out of the village and lived in the next town. Some people said that the family really couldn't go on in the village, and everyone saw that they didn't have a good face, and they didn't want to pay attention to it, and it was estimated that they couldn't hang on to their faces. Some people say that people have already earned enough and lived in the town to enjoy their blessings. As for the real reason, no one knows. Now the people in the village are not moved by the insurance matter, except for the car insurance category, no matter what you say about the insurance seller, the spit and the stars are splashed, they are not moved, just an embarrassed smile. Some people have a more explosive temper, and when they hear that you are selling insurance, they are sarcastic and even a stinky scolding. Some jokes say that if you can get back the money I paid for the insurance that I lost before, I will do what you sell. The person selling the insurance can only smile awkwardly and turn away. Now even I don't know if insurance is reliable or not. I don't know if you have this experience, show up and say it!
