The biggest misunderstanding among Chinese insurance companies is that they always treat insurance as a revenue-generating financial product. I like to think about the cost-effectiveness before buying insurance. If nothing happens to you and you don't receive compensation, you will think that you have compensated and it is not worthwhile to buy insurance.
In fact, the true meaning of insurance is protection. It is an umbrella that shields us from the wind and rain when the storm comes, and it is a protective door that protects the safety of life and wealth. Without an umbrella, you can only let the wind and rain blow; if the door is gone, what else is left? In fact, from the moment the insurance takes effect to the end of the insurance liability, the insured has been using the insurance, but because insurance is an intangible commodity, the insured does not feel it.
Why is there such a misunderstanding? In essence, it is because people have not really established a correct concept of risk, or their understanding of risk is not enough. Because there is uncertainty about risks, some people have a fluke mentality and think that they will not be so unlucky.
Is this really the case? Statistics show that the population of a city will be hospitalized once every 10 years on average. Deaths from accidents account for 10.37% of all deaths. The chance of suffering from a major disease in a person's lifetime is as high as 72.8%. Many uninsured people suffer from There are countless examples of people who become rich through hard work and become poor because of illness. According to estimates by a well-known American research organization, the chances of a normal person encountering dangers in their lifetime are: car accident: risk probability 1/12; death in a car accident: risk probability 1/5000; dystocia: risk probability 1/6; breast cancer: risk Probability 1/10; Death from heart disease: Danger probability 1/340. Generally speaking, if the probability of encountering a certain danger is less than one in 100,000, we can deal with it calmly, but if the probability of danger increases to one in 10,000, we have to be extremely careful. It is emphasized again that the primary function of insurance is to protect and minimize losses caused by risks.
Eliminating misunderstandings about insurance cannot be accomplished overnight. Various insurance companies are working hard to promote the significance and functions of insurance. Some TV stations and other media have also created insurance-related columns to increase the channels for the public to correctly understand insurance. The State Council's "Ten National Guidelines" for the insurance industry pointed out that risk awareness among the people should be improved and insurance knowledge will be included in the textbooks of primary and secondary school students. To truly change a person's understanding, he must realize that insurance is a necessity for him. To achieve this result, we must first find and meet customer needs. This also requires insurance marketing personnel to reach a certain level of professionalism, rather than staying at the level of relationship sales or product sales. The first factor to consider in financial planning is risk rather than return. In a turbulent society, risks are everywhere. Although individuals have no ability to predict or prevent risks from occurring, they can choose insurance to transfer and disperse risks so that they can receive maximum compensation in the event of losses