As the "post-80s" and "post-90s" generation, how will young workers choose to buy insurance? What do they think of buying insurance online and offline? Zhongxin Jingwei interviewed five young workers of different ages and listened to them talk about their experience and views on buying insurance.
23 years old, just graduated, with an insured amount of more than ten million: "often go to the hospital"
"I actually buy insurance to alleviate my 'insurance anxiety'." Shortly after working, Tian Di, who is currently engaged in media work in Beijing, told Zhongxin Jingwei that he now has 20 insurance policies with a total insurance amount of more than 10 million. "A while ago, I often saw the news of sudden death of young employees. These days, I brushed the topic 'how many days can you stay in the intensive care unit (ICU) of the hospital with your current deposit?' on the Internet, which scared me to go online and add several kinds of insurance."
"I usually work under great pressure and have irregular work and rest. I often work overtime late and have no time to exercise. I go to the hospital more often. Sometimes I feel scared when I watch the news, so I start to buy insurance online." Tian Di said that he had employee social security in his unit, but he also purchased medical insurance with an insured amount of $56 million online. "It covers a variety of general and major diseases, and there are many kinds of diseases on it. In addition to these reimbursable disease insurance, I spent a lot of money to buy millions of serious disease compensation insurance, and even cancer insurance."P align = "center" currently, Tiandi is insured. Source: Internet insurance platform
In Tian Di's view, Internet insurance is very suitable for young people who have not graduated yet. "You can use low premium to buy products with high coverage. People like me who have little money also have a variety of insurance to choose from."
"My family has told me many times that online insurance is unreliable. I hope I can ask myself offline." When talking about why not buy offline insurance, Tian Di admitted that he has always believed that offline insurance is that salesmen pester you to buy it. "I'm afraid of being 'fooled' by the hype and the premium is very expensive. I'd better watch it online and place an order directly if I think it's appropriate. The cost is transparent and saves time and effort."
"Even so, about 10000 yuan was spent on insurance last year." It's painful to think of this payment, but it's also very painful for Di to buy it.
Tian Di said, "I think Internet insurance is the most suitable for people who buy insurance for themselves every three or five days. Maybe one is only thirty or fifty yuan, but after buying it, I feel that my safety factor has been increased by one point temporarily, but maybe I will buy other kinds of insurance in two days."
"Now many young people have irregular work and rest, sedentary and lack of exercise. For example, I buy all kinds of insurance. Sometimes I just want to be at ease." Tian Di admitted that he had never settled a claim at present, "I hope I can't use it all the time."
I've had a cat for five years, but I haven't bought one
"There are five cats in my family. They are English short, blue and white." Tang Zheng, who has worked in Xiamen for four years, showed Zhongxin Jingwei a picture of his cat. "They all have insurance."
Tang Zheng said that the main reason for insuring the cat at that time was the fear of cat ascites and cat plague. "My income is not high. I usually rent a house in other places and have to bear the daily expenses of five cats. To be honest, there is no extra money to buy insurance for each cat. Now their insurance is a gift insurance for several months, which I received directly after participating in the activities on the third-party platform."
But Tang Zheng admitted that he did not know whether this kind of pet insurance was effective when settling claims. "At that time, I participated in the activity on the network platform, and the pet insurance policy only filled in the cat's variety and name. I don't know whether I can settle the claim if the cat really gets seriously ill. Of course, if I can afford it in the future, I will consider buying a more comprehensive insurance for each cat."
"Insurance for pets is mainly a fresh idea." Tang Zheng told Zhongxin Jingwei that he has kept cats for three years. "We should take good care of them at ordinary times, try to avoid eating unclean things, expel insects and vaccinate them regularly, and strive to prevent them from getting sick at the source."
"To tell you the truth, even if the cat has any disease, I will go to the pet hospital for treatment at the first time, rather than considering whether the insurance claim can take effect. Usually, if the cat has a minor disease, I won't consider this kind of thing, but if I really get cat ascites, the treatment cost may be tens of thousands. Maybe I still need insurance at that time." Tang Zheng said. "Even so, I will choose to treat them."
"However, in addition to the employee insurance of the unit, I don't have any other insurance myself." Tang Zheng added, "I don't think it's necessary. Maybe I won't buy it for a while."
30 years old, working for six years, mother suffering from cancer: "almost sold a house"
"My mother's illness has cost more than 100000 (treatment fee)." Mengying, who works in a public institution in Changchun, sighed, "she has medical insurance, which has been reimbursed for most of it."
A year ago, Mengying's mother was diagnosed with cervical cancer, and Mengying's child was just three years old. "Since last year, I feel the economic pressure has increased sharply. I even have to weigh it before I want to buy myself cosmetics."
"My mother is old. She always thought that medical insurance was enough. She never thought of buying additional medical insurance. She didn't expect that the expenditure outside medical insurance would be more than 100000." Mengying said that she and her husband usually have a normal income. "Since we've added more than 10000 points a month, my husband's family doesn't have much money. At one time, I even wanted to sell my house to treat my mother."
"After my mother's condition was stable, I immediately went to the insurance company to supplement the medical insurance for the three of us." Meng Ying said, "I found a very famous insurance company offline, carefully compared different types of medical insurance with the insurer, and finally selected several suitable ones."
But Mengying said that she did not buy the serious illness insurance recommended by many people. "It costs tens of thousands of yuan per person per year. Our family's economic conditions can't afford this expenditure for the time being. Wait until the economic conditions improve. First make up for the important medical insurance."
"If you don't get sick, you don't know the importance of insurance." Mengying told Zhongxin Jingwei that she had always felt that she was still young and insurance was far from her, but after her mother fell ill, Mengying decided to buy insurance to increase her economic security.
When it comes to why she doesn't buy insurance online, Mengying bluntly says she's not at ease. "I haven't heard much about buying insurance online before. It seems that it's only in recent years." Mengying said that she would still choose a more traditional offline insurance method. "After all, the black and white contract looks very reassuring."
34 years old, working for nearly ten years, often flying: "on business for half a year"
"I've bought a ten million insurance cover.
”Li Tao, an Internet company employee who has worked in Nanjing for nearly ten years, said, "no one knows which will come first tomorrow or accident."
Seeing the news of the recent air crash, Li Tao, who often travels by plane, bought a one-year aviation accident insurance online last month. "The price of buying aviation insurance online is not expensive. I remember that when I bought it, it was less than 100 yuan and the insured amount was tens of millions."P align = "center" Image Source: aviation accident insurance provided on the network platform
When talking about why he chose to buy aviation insurance online, Li Tao said bluntly that it was for convenience. "I always think it's too troublesome to buy offline. I'm very busy at work and don't want to be often telemarketing by salesmen. The main reason is that I don't need other kinds of insurance. I just need insurance when I'm flying."
"In fact, our unit has complete security. We usually have 'seven insurances and two funds', and we are also in good health." Li Tao said that due to work reasons, he often flies to all parts of the country for business trips, about half a year in the field.
"I never thought about buying aviation insurance, but the recent air crash made me feel that I wanted to buy such insurance." Li Tao said that in his opinion, Internet insurance is more targeted, convenient to purchase and can meet the specific needs of people "there are separate aviation accident insurance, online car hailing and even extreme sports insurance online. You can buy what you need directly."
However, Li Tao also has his own worries. The main reason why he didn't buy other types of insurance online was that he was worried about the compliance of some types of insurance of online insurance and whether he could really provide due protection in case of problems. He was afraid that some protection clauses were just playing "word games" with outsiders.
"The serious illness insurance of our family of three is purchased offline from friends we know. I feel relieved when introduced by acquaintances." Li Tao said, "at that time, in the health notification link, the salesman also made a door-to-door recording and gave us a detailed introduction to the coverage of insurance. I think this is a lot more formal than Internet insurance, which is just a simple point of 'read'. I still need to wait a long time for every time I contact customer service online, and even the dialogue is mostly Siasun Robot&Automation Co.Ltd(300024) reply."
37 years old, working for more than 15 years, senior "young man": "more than one million yuan was spent on insurance"
" I have invested more than one million in insurance , and I have insured for pension, financial management, serious illness, accident and medical insurance." Xinwei, who has worked in a public institution in Dalian for more than 15 years, claims to have a relatively good understanding of the insurance industry. She told Zhongxin Jingwei that she and her husband pay special attention to endowment insurance. Because there are no children, such expenses will naturally be higher.
Xinwei said that the threshold of pension insurance purchased by herself is high. "The threshold of starting payment is one million yuan. If you have paid it for ten consecutive years, you are qualified to stay in the pension community of the future insurance company. However, there is an age limit for admission, and you can't live until you are 50 or 60."
"In addition, paying one million insurance premium does not mean you can stay free of charge. You still have to pay for the normal rent and various facilities used in the park." In Xinwei's view, buying endowment insurance is to protect the future of a family.
"I started to buy insurance in the first year after I worked. At first, my income was not high and my options were limited. Later, it was gradually improved." Xinwei said that she has mostly purchased financial insurance in recent years. "It's not very reassuring to put money into the stock market recently. It's better to put it into financial insurance. At least the income is relatively stable."
"I will choose to buy endowment and financial insurance offline, because online businesses rarely cover this aspect, but small insurance like accident insurance will be selected online." Xinwei said she bought insurance online and offline. "In terms of claims settlement, there is little difference between the two. For online insurance small claims settlement, just take photos and send them directly. If the amount is slightly larger, you need to send emails of various bills."
"On the premise of consistent basic content, online insurance will be slightly more cost-effective than offline insurance in most cases." Xinwei pointed out, "another problem of offline insurance is that the threshold of insurers is uneven. Sometimes insurers may not fully understand your insurance needs. It may cause their own misunderstanding because of the professional level of insurers. But if you apply online, you will be forced to read the detailed insurance rules in detail, which is also responsible for yourself."
Xinwei said that next year will be the tenth year for her to pay for her endowment insurance. "After that, I feel at ease and wait for the return of the income. It is impossible to go back on this kind of insurance. No matter whether I regret it or not, a refund is impossible."
