I'll give you an example, for example, thyroid tumors, which used to be a serious illness, but with the advancement of medical technology, the chance of curing thyroid tumors is more than 50%.

As soon as the commercial insurance saw that the cure rate of this disease was very high, it was directly excluded from the critical illness insurance because they needed to make money, but the social security still included thyroid tumors in the scope of protection. ”

Wang Jing suddenly realized: "It turns out that this commercial insurance is floating?" I thought it was like social security. ”

Li Yi shook his head with a smile and said: "There are many advantages of paying social insurance than commercial insurance, one is the cost, the cost of social security is borne by the individual, and the company and the state bear most of it." Commercial insurance can only be paid in full by yourself.

Second, in the field of protection, the coverage of social insurance is much more than that of commercial insurance, and the proportion of protection is high.

Commercial insurance seems to cover hundreds of diseases, but basically they are covered by incurable diseases.

Some people say that social security is a "nanny-type security, although it can't make you recover quickly, but at least it gives you hope to live." ”

Commercial insurance is "neither dead nor disabled, no reimbursement." ”

Because the primary task of commercial insurance is not to seek benefits for the masses, but to make money for insurance companies! ”

Everyone nodded, and someone raised their hands: "Brother Feng, but seeing that the current disease has a tendency to be younger, do we have to buy a lot of insurance?" ”

Li Yi smiled and shook his head: "You fell into the pit!" ”

"Huh?" This time, even Dong Xiaonan was blindfolded, how could he say that he fell into the pit?

Isn't it scary to have all kinds of food safety and many diseases now? Is this a lie?

"Brother Feng, what do you mean by this? We don't understand it. ”

"Yes, don't they all say that the more insurance you buy, the better, and that insurance is a necessity of life? How do you say it's a pit? ”

"That's right, Li Yi, the environment is not good now, and the probability of various diseases is very high, such as those cancers, tumors, and some major lesions, which are scary to hear. Why do you say that everyone fell into the pit? ”

Everyone, including Dong Xiaonan, looked at Li Yi very suspiciously and asked.

Li Yi smiled, thought for a while, and said: "The reason why I said that you fell into the pit is not that it is wrong to buy commercial insurance, but that many things have been exaggerated by insurance salesmen, causing people to panic, and then follow the trend to buy insurance." ”

He continued: "Why is it a big pit of bravado? There are two main reasons.

First, as soon as the insurance salesman meets, he will use the tragic situation of various cases to stimulate people's perception, creating an atmosphere of panic.

In the panic atmosphere, the first thing that comes to mind is to find someone to rely on, and it is logical to launch insurance for people to buy at this time, which is also the sales routine of insurance salesmen.

Many people will say that there are indeed many tragic diseases and tragedies around or in society, but do these have anything to do with insurance?

Most of the tragedies of those people are caused by their own bad habits such as not paying attention to diet or staying up late for a long time and drinking too much. That's ridiculous!

The current disease is generally caused by three reasons, one is that the nightlife is rich, and the body is exhausted by staying up late.

The second is irregular diet, resulting in damage to the five organs, which will become serious lesions over time.

The third is heart disease, which can also be said to be a variety of physical discomfort caused by anxiety, which eventually leads to lesions.

The root cause and prevention of these lesions are not told by insurance salesmen, they will only create a panic that you have to buy commercial insurance, and help them complete the corresponding sales performance.

As for whether they will give you a detailed explanation of the insurance regulations afterwards, it also depends on their mood. ”

Someone raised his hand and asked: "Now many insurance companies are emphasizing a double ten concept, that is, to use 10% of the annual income to insure, in exchange for 10 times the annual income of the protection, this sounds very good!" ”

Li Yi snorted lightly: "It's very good, otherwise, how could you be fooled?" ”

"Hahaha......" Everyone burst into laughter, and the man looked at Li Yi with some unconvinced.

Li Yi stretched out his hand to him, asked him to sit down, and slowly explained: "This guarantee of using one-tenth of one-tenth of annual income to leverage ten times the annual income is a routine in itself.

It's like gambling a hundred dollars with a dollar, do you think the insurance company will make a loss-making transaction?

The moisture of this hundred yuan is very large, so big that it is amazing, because this hundred yuan is a hundred yuan at the cost of life, that is, commercial insurance: no death, no disability, no compensation!

For example, insurance companies have always said that commercial insurance is fully covered, but what exactly does this protection look like?

Diabetes, everybody knows it, right? But most people's diabetes is the No. 1 diabetes, which is the kind that requires non-stop medicine, and this kind of diabetes is not covered by commercial insurance, but social security will take care of it.

Commercial insurance companies will only pay for type 2 diabetes, that is, when it is so serious that you can't take care of yourself, the insurance company will pay! However, the probability of such a payout is extremely small.

And, most importantly, many people think that the more insurance you buy, the more you pay, which is an extremely wrong idea.

Because in the regulations of commercial insurance, if a person buys a lot of commercial insurance, they will only pay proportionally according to the commercial insurance with the highest amount, not all insurance! ”

"Huh? In this way, it is better to buy a lot of commercial insurance than to sell only one insurance with greater protection. Wang Jing asked in surprise, she always thought that there was a lot of insurance to buy, and once there was a lesion, all the insurance would pay for it.

Li Yi nodded: "Yes, this is a loophole, a loophole that an insurance salesman won't tell you." Because I told you, how can he improve his performance!?

Everyone will feel the same way, if you buy an insurance, then you don't want to live in peace.

That insurance salesman will keep selling you insurance under the guise of thinking about you.

He doesn't care if you need these insurances or what they cover, he may not know. His main concern is whether he can achieve sales results! ”

Dong Xiaonan nodded, raised his head and asked, "What is the second point you just said about the bluffing pit?" ”

Li Yi: "The second point is that with the increase in population, the number of old, weak, sick and injured people is also increasing, but compared with the total population, this proportion is very limited, and it is much lower than in the past.

However, the insurance salesman is very deliberate in exaggerating these cases, creating a terrifying atmosphere of cases everywhere.

But think about it, are we so fragile in the human body?

Think about it, what percentage of people in your age group have a disease? Very little, very little! And most of those people are caused by various genetic diseases or accidents.

So, don't panic, don't be fooled, as if it's the end of the world, the sun rises every day, you smile every day, and your body will naturally be fine. ”

Wang Jing thought of something, raised her hand and said, "Why do you have a sense of déjà vu?" Where have you seen this routine? ”

Li Yi nodded, clapped his hands and said, "That's true, we have indeed seen this kind of routine, such as health care products or health care products!"

Those people just say that the human body is fragile and must eat their health products or health care products to resist the disease, which is the sales routine of health care products.

But you know what? The sales routines of the first batch of insurance salesmen who went to sea and the current insurance salespeople all learned from those unscrupulous people who fooled everyone into buying health products!

At that time, the batch of people who bought health care products were strictly investigated, and most of them changed careers to do insurance sales.

Therefore, if you look closely, you will find that almost all insurance salesmen will only emphasize one-sidedly how cost-effective it is for you to buy commercial insurance, and will not talk about the taboo points of insurance, nor will they tell you the common sense of preventing various diseases or healthy life.

Do you have some feelings, such as those loudspeakers on the street: nine yuan nine, you can't buy a loss, you can't buy a fool......"

"Hahaha......" Everyone was amused by Li Yi's words, and they really knew what a bluff pit.

In the end, Li Yi's advice to everyone is not to have too much insurance, but to be fine.

One critical illness insurance and one accident insurance are enough for one person, and other small insurance types seem to be fully covered, but they are all accident insurance in disguise.

"What about at home? Adults or children? Someone looked up and asked.