"The meaning of insurance is only to prepare for tomorrow today, to prepare for death when born, and to prepare parents for their children."
This sentence clarifies the most basic meaning of insurance: to prepare for everything that is unknown.
In fact, insurance has a long history, insurance is just a general term, its variety, different insurance for different groups of people to use. It certainly has its own superiority in being able to preserve it to this day, but over time, many different voices have emerged in society for insurance.
Some people are in favor of buying insurance, thinking that this is a protection. However, some people have raised objections, especially the view put forward by the famous scholar Lang Xianping, who believes that China's insurance is all deceptive and no different from pyramid schemes.
After this view came out, it triggered a heated discussion among everyone, and the topic of insurance appeared on the cusp of the storm again, so what is the real meaning of the existence of insurance?
What is said below is a bad point of view, a good point of view, you think it yourself, I will only discuss the bad
Insurance is no problem, the key is to score clear which insurance is reliable, the basic social security can not be all-inclusive, encounter unexpected events or insurance works, but some companies are not reliable, salesmen also made insurance into fraud, the reputation is getting worse and worse, but the insurance this kind of thing is still saving people at a critical moment, this can not be denied.
Before I did not have any negative thoughts about insurance, until once I went to PICC to interview for the position of legal counsel, the interviewer clicked and said how promising the insurance industry is for an hour and a half, how tall they are in this position, easy and easy to earn, before the person did three months he was not satisfied with me, I began to feel that something was wrong, and then let us submit a degree certificate and other things to register an exam that seems to be an insurance industry qualification, because the degree certificate and the like are very important I only take a copy with a watermark, After taking the opportunity to slip away, I began to check this so-called qualification, and found that this qualification certificate is really the same as the pyramid scheme to develop offline, the new person has a so-called three-month protection period, after which I want to pull people to examine me, no wonder three months to change an assistant, not to mention a legal post you do not look at the division has not been examined but let people examine? Later, I really felt that insurance and pyramid schemes were almost the same.
When I bought an insurance for the face of my classmates, I paid three years to return one year's fee, a total of 20 years, three years to return once is to life, and then give you 20,000 when you die. Later, I handed it over for 3 years, thinking it was not right. Regardless of the devaluation of the currency, the money I handed in when I was 20 years old always got my 80-year-old principal to get it back. It is difficult to say whether the 20,000 yuan when I die can afford my burial. Cut the flesh decisively and escape. When the insurance company person asked me the reason when I surrendered, I told him the first paragraph, he was speechless, and finally he could only say "insurance is not a business, you can't think about it like this." I dizzy, I just sent you money to calculate.
It is true that the insurance is deceived, let others buy insurance, many people buy insurance out of trust and for the future protection, but there is no relevant monitoring mechanism.
When the salesman asks you to buy insurance, he says that the bigger you are, the higher the income, this also protects, that also protects. Wait for the full fifty thousand, after a few years, see the surrender of many people, and then ask the insurance personnel, they said: the older the age, the more money deducted each year, the interest rate of money in the insurance company is very low, the annual management fee is deducted, the principal is reduced year by year, the principal is zero, and the insurance contract terminates on its own! Isn't that pure pit? We paid fifty thousand, and after more than ten years, we only returned forty-two thousand, and we were no longer deceived.
In the past, my parents helped buy it, and if I paid it for 20 years and returned it every 3 years for life, I would be able to live to the age of 80 before I just returned to my capital. If you count the interest, you will also lose about 5.7w to the insurance company. After that, I was also recommended to buy a serious illness. A look at the various exemptions from liability in the articles stipulates what illness you are, how long you must die according to the prescribed time, and you have not been compensated within the time. Pit the dead anyway.
First of all, to solve the problem of the time consumption times system, foreign accidents are generally caused by insurance companies to set responsibility on the spot. After that, directly leave the contact number, go to a hospital for examination, directly report the contact number to the hospital, and the cost directly goes to the responsible party's insurance special fund account There is no phenomenon of personal advance payment in the claim. Other supporting services such as the amount of vehicles can not be used normally, need to be repaired, and will also arrange the same model or equivalent driving temporary use Fees are paid by the responsible party insurance company until the vehicle is repaired and handed over.
Say a good word
Insurance itself is for mutual help. But because when we were developing, the development was off track, resulting in many people being biased against the insurance industry.
The second is to buy insurance to be optimistic, what is insured, what is not insured. Some people don't know anything to sign the insurance, look for insurance when the accident occurs, did not expect the insurance company not to pay this, the goods are not right. Those who feel like they have been cheated further spread say insurance cheats, a vicious circle.
Our teacher shared with us that one of her friends seemed to have no problems on the surface, and then found out what cancer, needed chemotherapy or something, but before buying serious illness insurance, I lost a million, in order to be at ease at home. In life, accidents and even serious illnesses will inevitably occur, and some can even crush a family. Buy one insurance, one more coverage.