Life is always full of accidents. In order to keep calm when all kinds of accidents come, life has a lot of insurance to buy. So what kinds of insurance do you have and what kinds of insurance do you have to buy?
1、 What are the types of insurance
1. According to the subject matter of insurance, it can be divided into life insurance and damage insurance.
2. According to whether the insurer bears all liabilities, it can be divided into original insurance and reinsurance;
3. According to the nature of insurance operation, it can be divided into policy insurance and commercial insurance;
4. According to the implementation mode of insurance, it can be divided into voluntary insurance and compulsory insurance;
5. According to the insurance subject, it can be divided into individual insurance and group insurance;
6. According to the business guarantee object, it can be divided into property insurance, life insurance, liability insurance and credit insurance;
2、 Three types of insurance that must be bought
1. Social insurance
Although social insurance is a kind of insurance that must be purchased by the state, it is still necessary to put aside the compulsion. Social insurance includes basic old-age insurance, basic medical insurance, work-related injury insurance, unemployment insurance and maternity insurance, with complete sub categories. As a social person, social security has touched all aspects of your life. You don't want such a good 'welfare'. What do you want the anchor to say about you?
2. Accident insurance
'accident' is the last thing we want to happen. In case of an accident, buying an accident insurance is the protection of life. Accident insurance covers high compensation payments such as death payment and disability payment. As the saying goes, "life is greater than heaven". If accident insurance can add a protective layer to your life, what are you waiting for?
3. Auto insurance
When you go to the streets, the most things you see are not only high-rise buildings, hurried passers-by, but also thousands of cars! By the way, in today's society, almost every family has bought or plans to buy a car. What if they have a car but don't buy auto insurance? You may not be able to take full responsibility for the losses caused by traffic accidents, but auto insurance can help you transfer most of the risks to the insurance company.