First, I want to tell you that insurance companies will not deceive people, because insurance is a legal document and a commodity that can only be sold after being filed by the China Insurance Regulatory Commission, so insurance companies will not deceive people;
Secondly, you said you were going to buy insurance. No matter which one you buy, you should ask yourself before buying: Why should I buy insurance? Because insurance is a commodity, it provides a kind of insurance. You should buy insurance only when you need insurance protection. Different types of insurance have different protection needs, so you should first understand your own needs and then decide what insurance to buy, so that you won't feel that the insurance company is cheating. (For example, you clearly want to ensure that the medical expenses caused by accidents can be compensated by the insurance company, but you have established old-age security for yourself. When you have medical expenses due to an accident, it is of course impossible to get compensation. Can you say that the insurance company is lying to you? )
Third, you should also clearly realize that commercial insurance companies are not welfare organizations, and they will take the interests of shareholders as the starting point. Although they can provide you with protection, this is by no means a love for your freedom and an obligation to you! The reason why you can get love (if any) is that the insurance company is willing to take responsibility for you, because you have paid the premium, and every insurance policy is decided by the actuary of the insurance company under the condition of ensuring the interests of shareholders! So don't fantasize about which company's insurance is good and which company's insurance is not good, let alone listen to which company is good and which company is not good! On the contrary, the person who tells you these words is the person you can't trust and trust the most (as the saying goes, the person who is right and wrong is the person who is right and wrong! )。 Therefore, only when you have determined your own security needs can you establish your own security, so that you won't feel cheated.
Fourth, you must buy insurance, even if you are afraid of being cheated! Because in real life, the protection of insurance is indispensable to everyone. Just think about it this way: Why don't many civil servants buy medical insurance with commercial insurance? That's because they have a country to pay all their medical expenses, and they don't buy it because they don't need it! But the state has provided them with a guarantee! And it's comprehensive protection. What about you? Who can provide you with relevant protection? If not, then you must buy one or more different insurances suitable for your own protection needs!
The last thing to say is:
Commodity insurance is a product under the capitalist system and a tool for capitalists to seek benefits. If he has no benefits, you can't get benefits from it! Just like a wage earner who works for a capitalist, he will pay you a little salary and reward only if he has money to earn. If he loses money, will he compensate you? Many bosses in Vanishing are the best examples, so the current insurance companies will always be under the strict supervision of the relevant departments in China, otherwise it is difficult to guarantee that they will not vanish).