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標題: 你o地對保險有咩睇法？ [打印本頁]

作者: trista_cheong 時間: 2007-2-9 02:13 PM 標題: 你o地對保險有咩睇法？

我依家o係某間保險公司做partime 打雜﹐不過我老細都叫我上堂了解o下呢個行業﹐

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其實佢o地都係用"意外同命運係不可預計的"呢樣o野黎賺錢﹐

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聽落似乎的確係人人有需要﹐但係真正現實上其實有好多人都唔想買保險﹐覺得保險呢樣o野係呃錢。

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咁ef 你o地又覺得保險係一樣點ge 行業？依家保險又同投資及基金有極大掛鈎﹐好似唔似以前o個代咁啦~

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咁我想問你o地對保險有咩睇法？？　咁你o地又買o左保險呢樣o野未？. s. c; \! i4 B$ `! W9 U
純粹好奇﹐咪以為我sell 保險呀…………

講得好有point 我諗應該有分加ga~~~

作者: Triangel 時間: 2007-2-9 03:01 PM

Originally posted by trista_cheong at 2007-2-9 02:13 PM:7 w b- I8 S {' k8 s. Q
我依家o係某間保險公司做partime 打雜...

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Trista 姐姐， $ p9 [1 b5 d0 O+ X' \! ~
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      好奇一問：
   =========

當你既另一半去世，最失意時 " [) M7 R8 F& ~* P
某人deliver 張支票比你，
話呢張支票可以cover 到你將來生話費
你會唔會好感激某人？
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[ Last edited by Triangel on 2007-2-9 at 03:14 PM ]

作者: ryu020hk 時間: 2007-2-9 03:08 PM

我上星期一去左某間保險公司見工 , 佢請我 , 但我冇做 , 我覺得 li 份工真係多勞多得 , 佢話而家其實唔會只係叫人買保險 , 仲會幫人財務管理 , 唔係只係用把口哄人咁簡單 . . . . .亦都唔係呃人 $ , 因為佢之後真係可以攞番 d $ , 只係時間問題 ~!所以我覺得 li 份係一份好專業既工作 . . 唔知啱唔啱呢 ?% K# L6 g- X+ ]9 r% L2 s

[ Last edited by ryu020hk on 2007-2-9 at 03:10 PM ]

作者: sk 時間: 2007-2-9 03:38 PM

Someone told me once that the nature of life insurance is betting- you're betting that you'll die in the insured period and the insurance company is betting that you wouldn't. Of course, an insurance agent would say this is all about risk management.

作者: sakura310 時間: 2007-2-9 05:05 PM

由細到大,保險都唔係我要管ge事4 m& i* J. t7 S+ M* w& @
直到黎左澳洲...
呢度睇醫生係勁貴,差唔多300蚊葡幣一次
無買保險就會好慘lor u6 q& ~6 E2 A1 l
我而家買的只係好簡單的學生保險,但係佢可以claim返8成ge錢俾我
比澳門睇一次仲要平
由於係度病過2次,睇左5次醫生,如果無買保險,睇醫生d錢就真係和味lor
由哥時起,我先知保險的重要
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咁厄唔厄人錢,我覺得係觀點與角度的問題# K( a& u- |. {) O2 L8 C
點為之厄?簽合約時,白紙黑字寫清楚,你情我願咁簽' f6 V8 y. [7 t/ h7 a; o, W
日後有無得賠都會lor返份保單出黎講
有d人諗住有得賠,但保險工司唔賠,之後就話人地厄佢錢?倒不如怪自己疏忽,無好好了解清楚份保單(當然我唔排除真係有人厄錢)
但無理由因為一兩個害群之馬就話哂全部開保單GE人都係厄人錢ga ma

作者: specificness 時間: 2007-2-9 05:35 PM

我絕對同意保險業有佢既存在價值，因為有人「需要」佢。保險本來就是對未來之不確定性尋求保障。人人都知道自己的未來是不確定的，問題是，不是每一個人都需要對這個不確定尋求保障。這不牽涉風險本身（因為每人都有風險），而是每個人面對自己風險的態度。風險來自那不確定性，那是人人都有，而且可能有人是一模一樣的；但面對自己風險就真正的是自己的事，每個人都有不同態度；有人好害怕，故願意花費現在的金錢去尋求保障；有人就一點都不怕，故有錢也不願花這樣花；有人害怕，但卻不願以現在的消費去換取無知的將來「保障」。故好難說它對所有人都好/對所有人都不好。可是，起碼他是對某部份人很有用的。不過，如果將它說成「人人皆要」的話，我自己覺得又太過了。 l G& z0 M# K1 s/ {# Z/ N

那些有儲錢成分、投資成份的保險，當然不能一概而論；因為性質上它們都不是一樣東西。

作者: lywv5 時間: 2007-2-9 09:36 PM

insurance is 呃錢! n, ^" b$ J$ v; m$ C! N3 |$ u
and the agents are 'educated' to think what they are doing is educating,
what a shame

作者: loklok117 時間: 2007-2-9 10:50 PM

我覺得保險唔係呃人
而係賣保險比你既人呃人: T3 x2 a* _1 y3 X) e

同佢買既時候日日搵你- x% X) `7 ?3 ?. K
到真係有事既時候...., b. f- |8 g% p& D6 J1 E
不過買果時真係要小心
要清楚自己買左d咩保險

"購者自慎"

作者: trista_cheong 時間: 2007-2-9 10:54 PM

Originally posted by Triangel at 2007-2-9 03:01 PM:+ L( u6 y7 O& ~. d, @ `7 a2 P! a

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2 @# ]5 o( z% U$ u; \: vTrista 姐姐，
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咁就梗啦﹐但係呢個世界點有咁大隻"夾那"隨街jump？？

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而且呢個顯然係好不幸ge事﹐如果我最愛ge 另不半去世﹐呢個真係世間慘劇排行楞top one 咯～～～

作者: Triangel 時間: 2007-2-9 11:07 PM

Originally posted by trista_cheong at 2007-2-9 10:54 PM:
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+ v  @0 |' s0 t5 F4 r0 L咁就梗啦﹐但係呢個世界點有咁大隻"夾那"隨街jump？？
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* N1 ]+ C# x( v$ }" p, h而且呢個顯然係好不幸ge事﹐如果我最愛ge 另不半去世﹐呢個真係世間慘劇排行楞top one 咯～～～

The "check" I'm talking about is Insurance Claim check that pay to the survivor. 係貨真價實

As the matter of fact, if you are 3 Kids Mom (just as example) You also want a peace of mind that your kids will sure be well taken care of if anything happen to you, right?

[ Last edited by Triangel on 2007-2-9 at 11:08 PM ]

作者: 大優勢 時間: 2007-2-9 11:24 PM

但係入院保險真係唔知有無用: H2 e, P& i- P8 [3 }  }& A4 W9 D# U
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用買既就一萬1 ?5 l3 H5 N  `+ U# M! _" P
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有買既就收你二萬
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佢地開大條數

都唔知算吾萛俾佢地利用泥做靚條數)(做大條數)

作者: ivanland 時間: 2007-2-9 11:32 PM

保險即係認為自己有危險或張來會有危險,而去買一個令自己放心既所謂保障.
當然如果你有 "多" 餘錢既話咪買多少囉 o.0"

作者: kakeidevil 時間: 2007-2-9 11:53 PM

Originally posted by trista_cheong at 2007-2-9 22:54:
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咁就梗啦﹐但係呢個世界點有咁大隻"夾那"隨街jump？？

蛤乸

作者: Tokyo2040 時間: 2007-2-10 12:04 AM

其實要唔要買保險應該係睇吓你個人嘅需要. 如果仔細老婆嫩, 你係家庭嘅經濟支柱, 又未淨落大把, 咁我覺得買保險係值得嘅. 不過我會建議買淨人壽保險, 唔好考慮有儲蓄或投資成份果d. 因為我覺得買保險同投資應該分開處理. 一旦混埋一齊, 不但保費會大好多, 最弊係唔清楚回報係幾多. 因為保費中含有保障同投資部分, 但投保人唔清楚幾多係屬於保障, 幾多係屬於投資. 加上保障同投資屬於同一保單, 就算投資回報不理想, 好多時因為有保險嘅需要, 焗住都要繼續供落去.

作者: 王晶 時間: 2007-2-10 12:11 AM

呃唔呃人就一dd喇
有d保險真係幫到人既- x2 j+ F* k* G4 m$ f
但係有所謂既醫療保險 5 c% i6 u- ]# u" U1 H1 Y
到你有事斷手斷腳爛肺爛心但係同你講呢樣唔包喎果樣都唔包喎
你未病死都比佢激q死....所以真係要睇清睇楚入面既條款保護既範圍你先好簽

作者: hippo722 時間: 2007-2-10 01:47 AM

保險一詞太空範, r. v9 V! T4 M# h5 ~1 k
我相信應該係問人壽保險吧？+ L$ t. V, O3 f8 d
保險一定有存在價值2 B0 b( {( c4 [
在現今商業社會
如果無保險
你同我都唔使出街
因為無運輸工具+ W, u! m9 a5 U9 {
只有步行) R1 s! f# _# z9 f3 r3 s' C
(車輛無基本第三保唔使行)
還有太多太多
不能盡錄。
仲有# k/ c+ }6 i' N+ a
保險公司係從不呃人
呃人只有係"個人代理"

作者: ronja 時間: 2007-2-10 02:28 AM

其實從來只會有人講:「好彩我有買保險!」. @& |. f& N8 V5 p6 _9 s' \
你有冇聽人講過:「好彩我冇買保險 !!」
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如果保險呢樣嘢係呃人嘅,香港立法會入便會唔會有一個界別係保險界吖???- e( B- k: Y7 @* l# O2 ~
(保險界別代表 :  陳智思議員 )

其實一個人買保險,只係將佢嘅風險透過交保費轉移比保險公司,包括人壽,危疾,意外' U. G3 K# a: ?) a3 D8 o1 B
住院...等等- p; r, X! ]2 _* O8 m

最大嘅問題係 :

1.你知唔知你幾時死?
2.你知唔知你會唔會生癌 (危疾)?) o2 Z! v7 G/ U& u4 X& \  _
3.你知唔知你會唔會因為任何疾病入住醫院?7 d6 D0 O6 N" Q5 @- R/ n4 I; A
4.你知唔知你會唔會發生意外?# c0 d  v( |$ E8 L
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如果你嘅答案係唔知的話,你要買保險,以防萬一嘛!!: z, g) L3 E/ |& P
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但係如果你嘅答案係知的話.....你更加要買保險 !!
因為你知你自己幾時死幾時有危疾幾時入醫院幾時
有意外,唔買就蝕底.......同意嗎?

但係呢個世界上唔會有一間保險公司嘅產品係冠絕
全球嘅,每一問保險公司都有一D產品去吸引佢哋嘅
顧客嘅.....
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所以.....你要揾嘅係...........一個唔呃你嘅 agent !!!!!!!!!!!!!!!!!!!!!!!!!!

作者: Triangel 時間: 2007-2-10 02:38 AM

Originally posted by ronja at 2007-2-10 02:28 AM:
4 K l" `0 ^- O! P `" j) @其實從來只會有人講:「好彩我有買保險...
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所以.....你要揾嘅係...........一個唔呃你嘅 agent 4 D9 m# Z6 g3 T2 a. }4 }; e

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ronja,
我要比個Good 你。。。Good Points [TriTri +5]8 l$ S8 @8 [9 m& O
e+問題係 3 Z+ x6 X$ W. l9 G; g
Trista 姐姐心大心細，2 w/ @$ ~* m# X7 Z0 g% o& W
唔知想做一個呃錢嘅 agent，定係想做一個唔呃錢嘅 agent，

你幫下佢啦

作者: ronja 時間: 2007-2-10 02:57 AM

Originally posted by Triangel at 2007-2-10 02:38:
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7 R3 h8 W# N4 p* L) L& L1 Gronja,
/ W* ~/ [) s- k* a: q5 X我要比個Good 你。。。G...

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一個呃錢嘅agent係唔會做得長嘅......

收到冇??

作者: vv1668vv 時間: 2007-2-10 06:01 AM

對保險業不是很瞭解。。。
如果容許的話。。希望跟大家分享一下。。
可以的話。。請給我一些意見。。
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不同人有不同需要。
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有些人。。视保險作為其中的一個投資。$ k5 I+ w" J' ]/ n: b

但其實有沒有想過。。購買保險。。當中的最大的動機是什麼呢？; D; _: o/ n- g) d! m
會不會是。。。“以備不時之需” 呢？4 A5 W5 n' f. R' R  M% d
意外總是意料之外。
大吉利市講句。。。發生了最不想發生的事情的時候。。最需要的是什麼？
金錢可能不是一切。。7 U" U/ h/ d' ~3 @- R% f) |' K
但保險金會不會卻可能成為受害者，意外者甚至是死者家屬，的一種依靠呢？
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真正需要的時候。。卻得不到應有的幫助。。8 t0 \, O5 ~- \
家屬毫無依靠，可能造成生活艱苦。。產生社會問題。
對社會構成不良影響。。社會惡化，到頭來最終受害者又會是誰？; @( d7 U% s5 p: t, n
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保險業，與社會的關係。。會不會好像。。“協同效應” 一樣呢？/ ^9 [$ D% k, v; D
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比較主觀一點。。請不要見怪。。! H8 d) Q: B+ ]' ~* L% E! p
其實，保險業  會不會有一種社會責任呢？

作者: sakura310 時間: 2007-2-10 06:23 AM

[以下出現的"你"字,純粹代詞yo~]
如果話保險厄錢
可能係d人認為佢地唔應該俾咁多錢去買份自己未必用得著的保險
先從一方面睇啦9 w+ x+ s# Q$ S+ [& s1 @0 p
如果買一分保險係十蚊,但係次次睇醫生都claim返20蚊,咁保險公司搵多多都蝕哂啦,係咪先~?
保險係一盤生意,唔係紅十字會哥d非牟利機構yo,佢地都要賺錢,員工都要食飯
而且真係天有不測之風雲,一個唔小心,有個人買左份保險,而因為一次意外,保險公司要claim返好多錢俾佢,可能多個佢原來的保金,保險公司可能要用其他客戶收返黎d錢去貼返落去
如果保險公司收得平,分分鐘要蝕獲甘ge

再者,點解會覺得保險厄錢?
你去m記買個包,十幾蚊,點解你可以接受?: w, J5 ~7 A; t( h
從甚麼角度評定抵唔抵?* Z1 h9 [& R; v2 Y# [1 _0 k
如果係食物的話,我覺得從佢所含有的能量,佢當中原子ge成分(如鉀,碳,氮等)去衝量會公平d
[食野ge目的係解決肚餓同為身體供給營養ge問題,所以應該能量同成分入手]& s& m' z; M! w+ p' K1 I+ ?
但點解d人無話食魚趐呢d貴夾唔飽ge野唔抵?
因為大家focus on ge野唔同,你認為食野要食得好味先0岩,當買到一舊貴ge麥包你反而會鬧點解會咁貴
同樣啦,買保險好多人都先focus on佢地要俾幾多錢,而忽略左佢本身最重要,最值錢ge意義
當保險用佢最重要ge piont黎收貴d錢,d人就話佢厄錢,重要的東西卻收得平,不覺得有問題嗎?
[一早起身就打一堆字,我準是病了

]

作者: fongcw 時間: 2007-2-10 11:15 AM

Originally posted by sk at 2007-2-9 15:38:
8 q: X5 s: P7 i8 U3 B% @Someone told me once that the nature of insurance is betting...

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我聽講有一行名為「精算師」的行業, 專門負責計算不同類的人(如35歲以上的煙民)的平均壽命/死亡機率, 所以保險公司就如賭場老闆, 長遠拉均一定唔會輸.

作者: hubingandtvb 時間: 2007-2-10 01:43 PM

我覺得，如果你手上的確有些餘錢，又爲未來有些擔憂的話，不妨買份保險
爲自己自己的家人以及自己所愛的人
爲日後多一份保障始終是好事，現代人都係完全估唔到明日會發生咩事啦

作者: keip5 時間: 2007-2-10 02:09 PM

I think insurance is a must for everyone.... a strong protection that make u comfort!
there are too many different kinds of insurance and lots of choice to feed ur needs...

You cannot foreesee or predict what happen in ur future....5 n' {2 c) @3 Z/ U6 a( l" E- w. L
If u buy insurance now, u will be comfortable and can worry less about the future.../ `' r* I  N0 D6 r; y# v  q$ a

Insurance can also been used as a saving or investment at the same time giving u protection..... You invest money in insurance to cope with some sudden unlucky cases in the future.... like died, injured, accident.... You cannot depend ur little saving moeny to cope with the expense... The insurance u buy can give u maximum protection and money help!  Just like u dun have to use the money, u can take all money back with interest earned if applicable....
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There are bad guys and good guys in every industry or service even though it is a big, famous,reliable company. You should ask friends or relatives' advices to find a reliable insurance agent u can trust. Dun worry how much a insurance company earn or take your money away, they have to earn money from ur money invested.  Compare each company and decide which company suits u best!
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there are no loss to u if u buy an insurance.... but u will earn when you need money help when unlucky things happen...

[ Last edited by keip5 on 2007-2-10 at 01:10 AM ]

作者: 王晶 時間: 2007-2-10 04:01 PM

Originally posted by fongcw at 2007-2-10 11:15 AM:
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我聽講有一行名為「精算師」的行業, 專門負責計算不同類的人(如35歲以上的煙民)的平均壽命/死亡機率, 所以保險公司就如賭場老闆, 長遠拉均一定唔會輸.

你講得岩真有其事我朋友做保險既佢都有講過呢樣野

作者: DXneo 時間: 2007-2-11 01:50 AM

Sorry to say, The insurance company do not keep your money just like that, they also have their own investment Team to make the capital bigger and bigger.1 Q( U# R/ j6 m; ~) U) H: Y
They already go to the stock market(try look for AXA see how much is one hand of the stock). They are doing business and they won't sit and eat the mountain empty.! K0 c/ A4 v# [; v3 y

They do research on social and healthcare, they got all kind of estimation and data.
About how many people will claim insurance and how many not.
How old people will die,. F! `& r. c: G0 E: ]
How often accident can be happen in car, aircraft and transport.' [9 B) S2 u# G' }/ u
Or even in what color car it will happen more.

In general it is no way that the claim can be over their liability they make best calculation for all situation.
There are always terms that are listed on the contract to protect their profits.
They got the best Lawer and Professionals to examine any week point on the claims and any strong proof.# R) `" o. F1 ~4 r% C
And some insurance will buy another insurance on top of their plan, so they also can claim insurace when things happened(share the liability to other insurance company).
Also some insurance restrict double or multiple claim in-case you know the future.- q: S, O4 _+ L/ ]* d

They also form alliance to Bank and other company that they can capture clients activities.
Medical is one of those, once you join their insurance with medical, your record can be access much easier since the bill goes to them directly, they know when you got (危疾),
They know much more on your health and do better estimation and sales.8 Q4 i% Y6 E8 _; {  o7 `  |
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Don't think its so Good, neither think it so Dark.
You know its better to have some protection before anything happen to you.7 p: E! Z6 E8 W# Y9 T' `$ K1 L
You got the time to use it ~~OK~~2 y  X) x3 s  {6 V+ G; R" d
You no need to use but still paying ~~let it be the kind of charity to help those needed*~~5 y9 K) Z0 B6 }4 d+ l" ^/ B

*its not charity so no tax return hohoho...1 Y' D% c3 G* H0 w$ N5 ?
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PS. Good Insurance(/Agent) is not exsist in the world, but there always are better once.7 l9 m# g4 P- p) K& N
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1.你知唔知你幾時死? you don't but They do
2.你知唔知你會唔會生癌 (危疾)? you don't but They do
3.你知唔知你會唔會因為任何疾病入住醫院? you don't but They do
4.你知唔知你會唔會發生意外? you don't but They do. d* p  r3 k- c/ {+ O' W3 ^
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They know by how much probability you will have the above event
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Most of the crazy named research is usually done by Bank and Insurance...# Z' ]% z- H$ t

[ Last edited by DXneo on 2007-2-11 at 01:58 AM ]

作者: trista_cheong 時間: 2007-2-11 02:56 PM

Originally posted by Triangel at 2007-2-9 11:07 PM:
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! o, A" M2 `9 e1 I. Y7 GThe "check" I'm talki...

當然﹐如果係為子女著想﹐梗係會收啦

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不過希望o個個人冇居心﹐如果唔係我一定唔收~

作者: jennifer 時間: 2007-2-11 02:58 PM

优秀的保险营销员应该,除主动热情推销保险产品外，还要保持一种极积的观念,这是摸不着看不见.

作者: trista_cheong 時間: 2007-2-11 02:58 PM

Originally posted by Triangel at 2007-2-10 02:38 AM:
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[- I! a0 l; v5 b1 I. J# s; O O' D- A- T. ~9 I7 m! X
ronja,
2 O9 r( s) F- c# s我要比個Good 你。。。G...

咩呀﹐我做打雜ga ja~~

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嗚嗚~~ Tri Tri bb 蝦人ge~~~

作者: trista_cheong 時間: 2007-2-11 03:05 PM

Originally posted by fongcw at 2007-2-10 11:15 AM:
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* Q0 D9 r6 V0 I7 H我聽講有一行名為「精算師」的行...

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梗係啦﹐所以保險公司係好賺﹐但另一方面﹐每個人都有發生意外ge 可能性﹐不過機會率其實好低﹐保險公司就係用黎樣o野黎賺錢﹐但係又的確係切合到每一個人風險管理ge 需要。
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保險係屬於無形性ge產品﹐唔似得有形性ge 產品﹐唔可以觸摸得到﹐甚至最後一世都會用唔著﹐所以每個人對關於呢樣o野ge 觀念同需求都唔同。

作者: ronja 時間: 2007-2-11 04:14 PM

其實保險根本就無處不在,你揸車出街有汽車保險,去百貨公司行街有第三者責任保,去旅行有旅遊保,就算去到澳門啊何生葡京張21點枱度莊家隻牌係Ace都有保險買.....
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之前都提過,保險其實係客户透過交保費去將風險轉移,有D人唔信保險唔買保險,冇問題ga!佢自己承受哂D風險之嘛!!如果冇事發生大家唔會諗保險嘅問題,但一有事起嚟就喺度呻:* L/ e1 H% v3 Z2 X
「早知買保險啦!」呢D說話我都聽唔少!! 每次聽倒呢類說話或者見倒報紙新聞有乜大件事,我都會警惕一下自己D保險夠唔夠.....唔好話要淨低幾千萬比人吖,萬一死咗留低一百幾十萬比屋企人幫自己風光尢葬都好吖,唔好要屋企人洗錢都好ga!除非你收入真係只夠糊口,如果唔係有多餘錢都要買少少保險看門口

作者: atimsi 時間: 2007-2-11 06:00 PM

我覺得保險就吳會厄人！~~係D人念住厄保險公司就真！！9 E) @6 c5 }! n
澳洲的保險公司基本上都按規章辦事，係賠就賠~~除非你一開始就欺騙保險公司~~~3 E, {( M$ R# o% `& [- k) P% d) x
香港我就吳了解，大陸果邊保險公司就真係衰到貼地！！！/ B/ o! p, C+ y
如果香港的保險公司都厄人，甘大陸果D米叫搶錢？？？

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