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Let me sort out what I have been doing those days.
Several days ago, I did research into the commercial insurance. Actually, I once wanted to learn about and order some health insurance, but I failed to do that. This thing was put off until now. Because of my aunt’s death, I made a decision to buy the health insurance to cover some of the medical expense if I were ill some day. However, I hope I never use such medical expense.
According to others’ recommendation, I spent a lot of time looking up some related information. On the one hand, I surfed several important insurance to find the insurance products. I realized that it was not easy to find the perfect insurance. For example, if I think this product is pretty good, but I can’t pay over 7000 Yuan every year. And it takes me 20 years to pay for that. Looking at the income figure, I am not able to bear such a big bill at present. My budget is not at all beyond 5000 every year. With such a limited budget, it’s hard to find the health insurance with high penalty. Another is that the amount of the payment is not high every year. But it will not protect all your life.
Apart from this part, I need to understand every clause in the contract and be careful of some jargon. The problem is that I’m not sure if I should believe in what the salesperson says. I once phoned them to ask what the jargon is and what the names of diseases are, but their answers were not convincing. I believe you can feel how I felt after the call.
After all, the amount of payment takes up a big part of my income. I must deal with it with caution. So I’m going to spend more time on such a thing to find a product that meets my request.
If you know something about that, I hope you can share it with me. Thanks a lot.
Post comment Comment (10 replies)
- Reply sunnyv
- Insurance is always complicated. According what my friends say, most of us don't need those insurance. It is better to save up our money for use when we need it.
Insurance companies are created for profit and the insurance sales people earn huge commission, so there is very little left for the buyer.
they make it sound so nice saying it is savings and after some years you don't need to pay but can continue the insurance or you can take back some money. The whole plan is designed to keep you in but you won't get much if you get out. The insurance terms are not for ordinary people to understand and nobody would read those small words on the insurance policy. We have to believe what the salesman says. When we become sick, we will discover that it don't cover this or that.
May be there are some good insurance service, but I have not seen any real good ones yet.
It is better to save some money in the bank for use when you need it.
- Reply teadrinking
- As ordinary people, it is hard to read the clause and information from insurance polices. Because they are very complicated to understand.
Buy some right polices would be right on the condition that you can afford. According to your situation, I suggest that you can just buy some related to prevention on major diseases. Since those policies are more focused on diseases. While the coverage of diseases protection among insurance companies differs from each other. Different coverage results in different payment. The large coverage of diseases means you have to pay a larger amount of money. So you can make a list of comparison from those companies. Since it really costs much time and energy by doing that, you might consult to some agents or just go for inquiry from those companies' official websites. Usually, those large companies are more reliable.
But do not be fooled by those sales persons who might have some potential purpose by mislead you. Once you deal with it, they just make a big profit and leave you away. By calling or going to those larger companies relatively would be more safer.
And as the price of an insurance policy lies in its span of years you want to insure, and the coverage of diseases you want to prevent. Those policies only with diseases protection would be cheaper than those with additional clauses of other protection or so called treasure management.
So, choose those larger companies, and pick up some of pure protection of certain diseases you want, then you might pay little money, probably estimated 30,000 to 40,000 yuan per year would be just fine (since capacity of afford is within 50,000 yuan as you said, so do not pay beyond your maximum of expenditure ).
Anyway we have to realize that there is no absolute safety. What can we do is to protect ourselves. We should keep good diet and proper physical exercises with a nice mood. An policy is to activate and effect when we are seriously sick or injured as the compensation to make up some loss.
Just for your information. Hope you are well in everything.
- Reply sunnyv
- This is better advice than mine.
teadrinking: As ordinary people, it is hard to read the clause and information from insurance polices. Because they are very complicated to understand.
Buy some ...
- Reply Rosanna
- one of my friend who is saleman for commercial insurance, I am really afraid to talk with him, whenever the meeting among of my friends, he is the talktive guy speaking loudly to tell how good of clause of the new insurance for us. and it is the right time to buy. what's the hell.
- Reply 2010jj
- oh, dear, thanks for your advice. What you said helps me a lot.
teadrinking: As ordinary people, it is hard to read the clause and information from insurance polices. Because they are very complicated to understand.
Buy some ...
- Reply 2010jj
- I have an old classmate like your friend. Every time I come across her, I really avoid meeting her because she always expects me to buy her direct-products.
Rosanna: one of my friend who is saleman for commercial insurance, I am really afraid to talk with him, whenever the meeting among of my friends, he is the tal ...
- Reply 2010jj
- After learning some kinds of insurances, I have decided to consider the pure protection. However, I'm not sure if I choose the span of 70 years or all life.
teadrinking: As ordinary people, it is hard to read the clause and information from insurance polices. Because they are very complicated to understand.
Buy some ...
Except the insurance, we should love ourselves by doing more exercise and keeping good diets.
Besides, we should develop our skills of earning money.
- Reply 2010jj
- Except buying the insurance, we should develop our ability to learn money. After work, we can try to find a proper to make money if that can not influence our daily life and full-time job.
sunnyv: Insurance is always complicated. According what my friends say, most of us don't need those insurance. It is better to save up our money for use when ...
- Reply sunnyv
- Yes, a single salary is not enough. We have to find ways to make extra money and increase our savings for future use. I also used to do part-time work improving old family photos online. I learnt photo software and did the work quite well giving me good extra income.
2010jj: Except buying the insurance, we should develop our ability to learn money. After work, we can try to find a proper to make money if that can not influ ...
- Reply teadrinking
- You are welcome. Hope you are well.
2010jj: oh, dear, thanks for your advice. What you said helps me a lot.
