Insurance is a good thing, but I suggest you get social security first. If your hometown is rural, you must go to the new rural cooperative medical system in your hometown. It is much cheaper than medical insurance and commercial insurance in cities and towns.

2. As the main insurance, Corning Insurance can be attached with hospitalization insurance. However, in China Life Insurance, you can only buy card accident insurance once a year. Generally, it is about 70- 100 yuan per year, and the amount and content of protection are different. China Life sells the most auspicious C card with an annual price of 100 yuan, which is suitable for the needs of most ordinary people.

3. The major diseases listed by China Life Kangning Insurance are the least among the major insurance companies, but they cover all common major diseases. Some products of other companies have advantages over them because the incidence of some diseases is very low and the claims stipulated in the insurance contract are very detailed.

If you are going to buy commercial insurance, you'd better not be confused by some professional rhetoric.

Take the citrus currently on the market as an example. Suppose you want to buy citrus now, and there are three fruit shops at the intersection:

Be the first to tell you that we are the cheapest, with 3 kg of citrus 10 yuan;

The second one also shouted, we are very affordable, citrus 3.5 yuan/kg;

The third company tells you that apples are the king of fruits, and their home is a famous brand. Buying "4 bags of apples" can give you "1 kg of citrus".

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Smart, please tell me which one are you going to buy?

The first fruit shop was similar to Corning Insurance of China Life Insurance. The so-called triple compensation, in fact, the wool is still on the sheep. Take citrus as an example, it's definitely not that other families sell 3.5 yuan/Jin. His family bought 1- 1.2 yuan/kg.

But it is indeed the star product of China Life Insurance, one of the earliest commercial insurance products for major diseases sold to the public in China ... and one of the few critical illness insurance products that can be purchased separately on the market at present. Because there was only one insurance company in China before, its premium was relatively expensive at that time (similar to the fruit price tag 10 yuan /2 kg). Later, the insurance industry gradually opened up. There are more and more competitors and inflation. If the original insurance/premium ratio is maintained, it will definitely not be sold. However, as an obvious product, China Life can't easily give up this brand that has been in business for more than ten years. The product terms have been revised several times and re-listed. That's why the so-called "triple compensation" appears (similar to the fruit price 10 yuan /3 kg).

The second fruit shop is similar to those insurance companies that directly mark premium expenses and insurance amount. They don't play numbers games, so it's easy to understand. However, some people just read the brochures of color printing products of insurance companies and think that China Life is more cost-effective. This is like 10 yuan/Jin fruit shop is generally more popular than 3.5 yuan/Jin fruit shop. Numbers can be confusing, especially when it comes to money.

The third fruit shop can also be called mixed sale. It's just that sometimes there is a feeling of giving up everything. Just like the landlord said that he just wanted to buy a health insurance, but found that there were no suitable products on the market, especially the health insurance sold separately, and there was almost no choice. This is because under the real market demand that inflation and users should be able to preserve and increase their value when pursuing insurance, dividend insurance, universal insurance and investment-linked insurance with financial management functions are popular among major insurance companies. Health insurance is sold as an additional insurance for these types of financial insurance.

When you go back to the fruit shop, it's like you just want to buy two or three oranges to taste, and finally you find that you can only buy four bags of apples, and people will give you "1 kg oranges"-sorry, oranges are not only for sale!

Considering the uneven service level of each company, just as it is possible that the citrus in one fruit shop is indeed sweeter than others, it is not easy to compare the prices directly. And if someone has a lot of money and needs to diversify his investment, then the combination with financial management function and health insurance function is more suitable for him. Just as he really wants to buy high-end apples, citrus is the icing on the cake, so it doesn't matter if it isn't. Mixed sales may be more suitable for him.

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