Guide to buying insurance should be the principle of insurance Insurance Tips Tips Bar

Category: Insurance tips Release Date: 2006-08-01

With the growing awareness of people's insurance, insurance of people around us gradually over again. To buy insurance in a sense, that is buying the protection of future life depends on careful decision, we must uphold the "five by five instead of" principle.

To compare insurance, do not blindly buy.
Each person to buy precious commodities, due to expensive, usually shop around, buy insurance, so should we. Although each insurance company to the terms and rates are through the insurance regulatory approval, but the comparison would still be different. Such as those on pensions to survive, some monthly collection, some are fixed to receive; equally ill health insurance, and some, including 10 kinds of major illness, and some are only seven kinds of insurance. These must be careful to find out, for personal circumstances, make your own decision.

To study the terms, do not just listen introduced.
Insurance is not nothing can not be maintained. For the insured, they should first study the provisions of the insurance liability and exclusion of liability in these two parts in order to identify these policies can provide you with what kind of protection; again contrasted with your insurance needs. To guard against the individual members of misleading marketing, because no root no explanation, according to a promise or not any legal effect. Of course, some insurance policy is too professional, policyholders do not understand get a moment, you can consult to a number of knowledgeable people in order to guide.

To determine the need, do not impulse buy insurance.
First consider the needs of families own or what is, for example medical expenses for illness worry too much and unbearable burden on those who might consider purchasing medical insurance; for the elderly who worries about life after retirement can choose to old-age pension insurance; want to prepare their children education, gold, gold marriage of parents, children's care or education, may be insurance payment insurance. Understand the insurance needs Zaiqu insured, for the lack of insurance policyholders in terms of knowledge is very important.

To consider how to protect, not to consider human.
Insurance is a special commodity. A piece of clothing or a set of furniture purchased, and if not do not like you can not wear, you can give as gifts, while insurance can not be transferred. Some people buy insurance, just because marketers are acquaintances, relatives or friends, this does not want to buy, but for sensibilities, yet find out the terms of the bite the bullet and bought later discovered to be bought is not entirely suited to their needs insurance insurance, the result is reclaim hard for me to back the economic losses are also uncomfortable.

The responsibility to consider not only the cheaper plans.
As the saying goes, "a price of a sub-sub-goods", the insurance, too, can not only how much money to buy an insurance policy, but to find out that an insurance premium how much, how much coverage is necessary to consider the full range of liability insurance. (Ji Yunfei)