The actual fact is that you will be able to find out more about the necessity of insurance in your daily life, or you are already preparing in advance to choose to buy commercial insurance, but you are just not sure where to start. The actual fact is that you can find a lot of people who are not sure where to start. It is a great way to get the most out of your business.

Today, the criminal defense attorney has sorted out the following four common types of insurance and their main uses for your friends.

I. Life Insurance

Life insurance, which only covers death and total disability, i.e. people who hang up, or are disabled and have achieved a certain level, lose money. There is no limit to the cause of death, whether it be death by disease, accident or death by stroke, as long as the exclusion is not violated, all can be compensated. Some even pay out if you die 2 years after you bought the insurance. Even if a person dies, the beneficiary must be a loved one or a trusted one. A sum of money is used to cover the internal trauma and property damage of a loved one.

The financial development support of the family is the most imperative to shop for life insurance.

As the family's financial resources are cut off if something happens to this person, what will happen to the mortgage and car loan? What will happen to the children's training costs? What will happen to the elderly person's maintenance?

If there is life insurance that pays out hundreds or millions of dollars, there is at least a political breather for this family.

保險公司

The most common things people touch on are term life insurance and whole life insurance.

Time-based life insurance is good value. You can choose to secure it for 20 years, 30 years, or until you are 60 or 70 years old.

Whole life insurance is expensive. But buying a whole life insurance policy will pay out, because people are bound to die once in a while.

Second, critical illness insurance

The car insurance company will pay out a sum of money if you are diagnosed with a disease that is covered by the terms of the contract. For example, cancer, heart attacks, more serious burns and other illnesses that can seriously endanger your life. Critical illness insurance is a pay-as-you-go type of insurance, meaning that if you report it to your car insurance company and meet the criteria for a claim, the money will be credited to you, without having to claim it on a tax receipt and regardless of what you use it for. The most crucial main use of money from critical illness insurance is either to cover lost wages damages and to pay for expensive recovery expenses. As a person with a major illness is likely to lose the ability to work, go to work and earn money, while at the same time having to undergo long-term medical treatment and repairs. Therefore, the essence of critical illness insurance is loss of earnings insurance.

III. Medical insurance

Medical insurance also covers illnesses, but it does not limit the type of illness, it only needs to be sick to be reimbursed. You have to see a doctor to get the raw material for a claim such as a sickness list, credit card bill, diagnosis slip, etc. to the car insurance company. It's the same as taking a tax receipt to your accountant to get reimbursed for your business trip. The maximum cost of reimbursement is no more than 100% of the treatment cost and the tax invoice is only used once, so it is not useful for you to buy several copies, just one. Medical insurance, also medical insurance, is a basically welfare guarantee given by our country, with low prices and wide coverage, but insufficient guarantee. For example, medical insurance has a starting line (to do is how much to report), a ceiling line (the number of up to only report is how much), but also limited to the individual social security type of reimbursement for taking drugs. But many life-saving imported and specialised medicines, which can cost up to 10,000 to 20,000 a box, are only taken for a few days and are not reimbursed by health insurance.

This is the reason why many people nowadays go to the WeChat circle of friends to crowdfund the cost of treatment for their projects. The commercial service medical insurance can fill the medical insurance catalogue is not enough, the previous article content small Thai criminal defense lawyer is also has expressed the difference between commercial medical insurance and social development medical insurance.

The first thing you need to do is to get a good idea of what you are getting into.

The insurance is to pay out a sum of money in case of disability or death caused by an accident. Some products also have accidental medical and death insurance. In the event of accidental death, disablement and critical illness insurance, the compensation method is the same. Accidental medical insurance, like medical insurance, is a reimbursement type, where medical treatment resulting from an accident is reimbursed.

Posted by: antonia at 06:42 AM | No Comments | Add Comment
Post contains 877 words, total size 5 kb.