Many small partners will mistakenly think that the more insurance they buy, the greater the loss. In fact, not all insurance is bought, and the more you pay, the more you lose, which has a lot to do with the types of insurance and the responsibility for protection. For example, payment insurance is paid according to the amount agreed in the insurance contract, so it can be superimposed. The more you buy, the more you lose. Reimbursement insurance means that the insurance company pays according to a certain proportion of our actual expenditure, and the insured amount is only the upper limit of the compensation amount, which does not represent the actual compensation amount. Little friends who don't know much about insurance-related knowledge points can take a look at this article first: Super Complete! Everything you want to know about insurance is here.

Generally speaking, critical illness insurance, accident insurance and life insurance can make you buy more and lose more.

First of all, life insurance takes human life as the subject matter of insurance. During the guarantee period, if the insured dies or is totally disabled, and meets the relevant claims conditions, the insurance company will pay the corresponding insurance amount. We can get as many copies as we buy. Senior sister has compiled a super cost-effective life insurance ranking. Friends who want to insure may wish to refer to it: Top Ten Life Insurance Rankings Worth Buying!

Secondly, critical illness insurance mainly covers major diseases, and some products also cover minor and moderate diseases. During the guarantee period, if the insured is unfortunately diagnosed with the contracted disease and meets the corresponding claim conditions, the insurance company will pay the corresponding claim amount. Critical illness insurance can also be paid repeatedly. For example, Xiao Wang also bought 300,000 critical illness insurance from two insurance companies. As long as the diseases agreed in these two contracts are diagnosed, they all have the opportunity to get corresponding claims.

Finally, accident insurance mainly covers death or disability caused by accidents, and some products also cover accidental medical treatment. Generally speaking, if the insured is disabled or dies due to an accident, he can get compensation repeatedly, but accidental medical treatment is usually reimbursed according to the actual medical expenses. If you want to know more about accident insurance, don't miss this article: Do you want to buy accident insurance, how to buy it, what kinds are there, comprehensive analysis and comparative evaluation.

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