Serious illness rescue photography

You think this critical illness insurance is so easy to claim, and this major illness is a trap!

1, this insurance contains more deception and deception, which makes people more sad and unreliable! How many people can understand an insurance contract like a book? Some people have bought insurance for several years without even reading the contract, just listen to them! When the accident happened, the insurance company ignored the loss and realized that this insurance was a bluff! In the salesman's dictionary, there is no "fraud", only "misleading". At present, there are more than two million insurance employees in China, and more than ten million of them used to be salesmen of insurance companies. They all flout national laws and fool and deceive customers. Isn't this a national disaster? I'd like to remind you that you'd better prepare a camera when you buy insurance, so that you can obtain evidence in future lawsuits. )

2. The critical illness insurance of commercial insurance guarantees death, that is to say, if a person's disease matches a certain disease in critical illness insurance, that person is "dead". If you want to buy this kind of critical illness insurance, it is better to buy life insurance accident insurance (life value insurance, which also protects your life), because the effect is the same, but the premium paid is much less. For example, for a 30-year-old PICC, the critical illness insurance insurance coverage of 300,000 yuan is more than 9,000 yuan a year (you can get a little money when you surrender), and the personal accident insurance coverage of 300,000 yuan is more than 0,000 yuan a year/kloc-0. If you are responsible for your family, you can take out personal accident insurance and have the least disputes with insurance companies. In critical illness insurance, for example, insurance companies earned a considerable sum of money from currency depreciation and the amount deducted when they surrendered their insurance. Therefore, the more money you pay, the more the insurance company earns. What is the conceptual difference between paying more than 9000 a year in 20 years and paying more than 1000 a year?

3, because insurance is a big bluff, many people buy insurance without leaving any evidence, and the dumb can't say how difficult it is to eat coptis! Most people who buy dividend insurance will feel cheated and surrender their insurance within two years. During the contract period, when the customer wants to terminate the contract, the insurance company will deduct a considerable amount. Banks only calculate regular interest. So this insurance is the most profitable insurance for insurance companies. Unless you need this insurance because you have too much money to spend or money laundering, most people don't need this insurance. Its best function should probably be money laundering. Naturally, it has become the favorite of corrupt officials, washing those "black money" of unknown origin into "legal" income in the name of their children. Insurance companies also provide them with the best places. Remember! The so-called "insurance" is used to resist risks, not to manage money, and it is more difficult to make money with insurance. If you want to manage money to make money or resist currency depreciation, you can do funds and government bonds. So dividend insurance is to cheat customers' money in the name of insurance.

Why do insurance companies hire a large number of actuaries? Is to calculate the customer's money, these people just figured out that except for the money earned by the insurance company, the rest of the money (the so-called cash value) is yours!

Any salesman tells you about insurance and financial dividends, and you can immediately pick up the teacup and bid farewell to Fujian! Buying insurance is to spend money for unpredictable risks in the future, not to make money, remember! Remember!

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.