"Hello, I have bought a million medical insurance, may I ask when you will compensate me for 6 million?"

"Yesterday broke up with my treasure, my heart is dead, I would like to ask 'dead on the loss of money' life insurance, really can pay?"

"I fell in love with a girl by accident, and her boyfriend hurt me when I declared my love. Can accident insurance cover it?"

Although the above is a rich imagination of the netizens made up of jokes, but it is undeniable that for the market insurance of all kinds of hype, say what up to death, serious illness, down to minor illness, accident, in addition to nails, teeth, hair insurance, other can be reimbursed, consumers can not help but have high expectations of insurance, think that anything insurance can compensate. But in fact, the final product to buy, with the sales staff mouth serious "goods are not on the board", just like you go on a blind date, the photo looks like the "goddess white Fumei", to the "devil black whirlwind", this acid cool ~

Today, and we simply talk about the basic knowledge of insurance

First of all, is the classification of insurance. In short, commercial insurance is divided into two categories, personal insurance, the protection object is people, common life insurance, serious illness insurance, medical insurance and accident insurance, the other is property insurance, the protection object is property (things, money), such as family property insurance, fire, theft can be paid, car insurance and so on.

Starting from the simplest accident insurance,

The so-called accident insurance, the full name is personal accident injury insurance, simply put, is that after we have insured the accident insurance, if the death or disability caused by accidental injury during the insurance period, it can be paid by the insurance company in accordance with the contract.

Now most accident insurance products are comprehensive accident insurance, increasing the scope and amount of protection.

The second category is the most involved in life, but also the most cumbersome terms, health insurance.

Health insurance is an insurance that protects people's health. It is closely related to our lives and is divided into two categories: medical insurance and serious illness insurance.

Serious illness insurance, fixed compensation, if the insured has a serious illness, once the claim is settled, the insurance company will pay insurance in accordance with the contract. Medical insurance, much like Social Security, is a reimbursement scheme that reimburses expenses in terms of deductibles and payouts. Is a supplement to social security, many medical insurance can reimburse drugs outside the social security directory, can make up for the lack of social security, and the amount of protection is also very high. Some medical insurance can not only reimburse the actual expenses incurred, but also provide the insured with certain financial compensation in the form of an allowance.

The third category is life insurance, which is rarely involved in life, but which is inevitable for everyone.

Life insurance is a personal insurance that takes the life of the insured as the subject matter of the insurance and takes the life or death of the insured as the payment condition, transferring the risk of the life or death of the insured.

Risk protection life insurance is divided into term life insurance, whole life insurance and dual insurance.

Term life insurance refers to the insurance company paying benefits in accordance with the provisions of the insurance contract in the event of death or total disability of the insured within the term agreed upon in the contract.

Whole life insurance, the contract period is whole life, providing life protection. Both insurance, also known as life-and-death insurance, refers to whether the insured dies during the insurance period or still survives at the expiration of the insurance term, he can obtain the insurance benefits paid by the insurance company according to the contract.

Example:

1.Jack has taken out a term life insurance with a guaranteed period of 30 years. If Jack dies due to illness, accident or other reasons within 30 years, he can get compensation from the insurance company; If you are still alive after 30 years, the contract is terminated, no claims can be made, and the premium paid will not be returned; If you die after 30 years, you can't settle the claim. Jack has taken out a two-life insurance with a guaranteed period of 30 years. If Jack dies within 30 years, he can get compensation from the insurance company. If he is still alive after 30 years, he can also get an insurance sum and the contract is terminated.

What is Investment and financial life insurance?

Including annuity insurance, refers to the life insurance that the insurance company will pay the insurance money regularly and at a fixed rate according to the time agreed in the contract when the insured is alive. Annuity insurance can be divided into fixed-term annuity insurance and life annuity insurance.

Dividend insurance, is able to enable customers in the investment, every year can collect the profit of the insurance company dividends, the benefits of dividend insurance mainly depends on the insurance company's dividend insurance business investment results.

Universal insurance divides the customer's premium into two parts: "protection" and "investment", which also has two attributes: insurance and investment. The biggest feature is that the payment is flexible, and the insurance amount, premium and payment period can be adjusted appropriately according to the protection needs and financial status of different stages after insurance.

Finally, let's summarize:

1. Classification of insurance

One is life insurance, the other is property insurance.

2. The classification of personal insurance

are accident insurance, health insurance and life insurance.

Accident insurance is used to protect against accidental injury resulting in death or disability. Health insurance is to protect our health, divided into serious illness insurance and medical insurance, of which serious illness insurance is a one-time fixed compensation, medical insurance is reimbursement type, how much to report. Life insurance is a kind of insurance that provides protection against life and death.