sakura310

[以下出現的"你"字,純粹代詞yo~]. L# x  B6 h" t9 a) y4 n
如果話保險厄錢
# u9 S' B6 Z9 Q9 N; L; u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1 m* W% O  Y) v7 x* s
先從一方面睇啦
) i9 s, e- e4 Y8 Z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~?7 [$ E# V& w5 g  ]
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8 }' X1 f+ s( h  @% f# o
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, E( ~% F2 X0 s7 I0 y% b- |. _
如果保險公司收得平,分分鐘要蝕獲甘ge
3 q0 K0 Y% r6 K
* y! b+ I6 Q% C4 ^1 ^$ n* u再者,點解會覺得保險厄錢?
* x! C1 r6 N9 J+ P7 {) C* ~你去m記買個包,十幾蚊,點解你可以接受?
* l5 q% ?2 {( U' ^從甚麼角度評定抵唔抵?
9 ]- \; Y2 H0 g5 ?7 e. N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* B5 y6 ~4 o/ E5 Y1 `7 W
[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]) p% o/ w$ i' c2 V6 p3 U  Q% G
但點解d人無話食魚趐呢d貴夾唔飽ge野唔抵?* {% K% V" s; }5 N! C
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2 f' V2 b6 y6 j8 Y) w, F
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
; N; p7 \, W( R- c9 f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?/ C. l! J" z0 b$ l4 v% i9 r
[一早起身就打一堆字,我準是病了 ]

fongcw

Originally posted by sk at 2007-2-9 15:38:
4 |, n+ G4 _2 v& Q$ k, hSomeone told me once that the nature of insurance is betting...

& h% G* C- D. Q
* k  B0 F2 o7 G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.

hubingandtvb

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
: u! u0 Y6 m$ i9 B; L5 X& S# }$ W爲自己 自己的家人以及自己所愛的人) c! X3 u2 D- E: S- T. o4 `0 v* ~
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

keip5

I think insurance is a must for everyone.... a strong protection that make u comfort!* v% g% u3 r# h: A8 ]
there are too many different kinds of insurance and lots of choice to feed ur needs...
/ E3 C0 k5 X2 C' r' b8 W- L7 E
% A9 ]0 v- ]7 P. VYou cannot foreesee or predict what happen in ur future....
$ z9 }  T3 m. x# b) hIf u buy insurance now, u will be comfortable and can worry less about the future...- y- m9 @) o& Q( R6 ^1 ~' ^

  n2 y* G% i% ?, i8 D: U7 ~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.... - O" n1 \% P. X# Z
+ K! c9 S8 K  `
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!
- O( v5 e5 R. Y7 b) Z+ ^" ^1 C" {& J; d( o3 G% ^" C
there are no loss to u if u buy an insurance.... but u will earn when you need money help when unlucky things happen...% m( |+ Z- a  N2 f; j4 s. @

, t: O+ W: @+ g[ Last edited by keip5 on 2007-2-10 at 01:10 AM ]

王晶

Originally posted by fongcw at 2007-2-10 11:15 AM:
% K# F$ R4 g' L
# a# k, {: R; E+ t2 x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.

  g" c! x5 P5 G5 x( _$ U& H% ]/ _' z
; p+ I. F5 N0 [( T
你講得岩 真有其事 我朋友做保險既 佢都有講過呢樣野

DXneo

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.
& y4 P2 z9 y. _( HThey 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.5 {- |5 s' I: m9 J
' g/ V$ v' B9 m; K( P4 k! ]
They do research on social and healthcare, they got all kind of estimation and data.
; o2 Y# J! P. ]5 |About how many people will claim insurance and how many not.
. ?2 u7 S4 N5 F( n, }. iHow old people will die,
8 y8 y( @. Y0 x# S# ?. bHow often accident can be happen in car, aircraft and transport.
, I) g% j3 `1 A* N: }Or even in what color car it will happen more.
6 I* @! f0 q9 c( u- R* I! @9 `% S# M  q$ T% s. D4 d$ p# S
In general it is no way that the claim can be over their liability they make best calculation for all situation.
. B$ U$ m1 A& C" X. h! [' WThere are always terms that are listed on the contract to protect their profits.
6 l9 J! o: p- t# R  ^, i$ yThey got the best Lawer and Professionals to examine any week point on the claims and any strong proof.
  C* g4 t( w( r3 M5 K) zAnd 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).
. G* \: _% M( j5 K+ D# G$ \Also some insurance restrict double or multiple claim in-case you know the future.
4 U4 I, ~/ h1 G6 e: a
# S# E. E) j" i  [/ M; y4 _They also form alliance to Bank and other company that they can capture clients activities.
: }" m* q6 @4 yMedical 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), & [( n' U" _* M
They know much more on your health and do better estimation and sales.
' \& B1 A+ \. {8 m# O, Y7 X  l, v  |. l% i% z( X- i1 p3 H& W% R7 L
Don't think its so Good, neither think it so Dark.5 w# k) e  `9 c2 n& A
You know its better to have some protection before anything happen to you.
/ Q8 o4 @, Z3 v* G& {& x- i( t9 ~You got the time to use it ~~OK~~
7 m3 ]8 ?! t5 f- t+ w/ wYou no need to use but still paying ~~let it be the kind of charity to help those needed*~~
: @$ m5 O! _1 i8 Y& _
( b7 m* D& F3 @9 U*its not charity so no tax return hohoho.../ [/ j* _+ u. G8 m( |* }
7 i( i! z# S- O3 M/ L/ J8 i1 H4 v. y( ?
PS. Good Insurance(/Agent) is not exsist in the world, but there always are better once.0 I8 |" x$ v7 u& L5 L0 U& |0 Q
2 V( Q8 ?/ @0 H$ L# q! {  W
1.你知唔知你幾時死? you don't but They do6 U8 a$ b/ j, [7 R. u" l
2.你知唔知你會唔會生癌 (危疾)? you don't but They do  C- S& r1 }1 g6 U7 M3 h
3.你知唔知你會唔會因為任何疾病入住醫院? you don't but They do5 A7 r8 V- |! W" V
4.你知唔知你會唔會發生意外? you don't but They do. D2 r; l: |3 i9 z( y. G( u
4 q  R1 t$ D# c- m; b1 h
They know by how much probability you will have the above event
- V" ^  O! t* H) [7 x9 c3 d. K7 w0 U  Z7 v! q. M1 p: ^8 g
Most of the crazy named research is usually done by Bank and Insurance...
5 t/ h! S9 }0 \4 M. h! w- ~; z7 `6 _3 P' P( @5 D
[ Last edited by DXneo on 2007-2-11 at 01:58 AM ]

trista_cheong

Originally posted by Triangel at 2007-2-9 11:07 PM:
5 R- d9 m$ R' i) ^
8 U2 l. w% l; t) C$ R, E. _) c$ d. C" o; s! a
The "check" I'm talki...

) `+ l' U; b  @) L# K. {0 M" m' u2 T- U' g8 x& p5 N; Y7 P; J
. A5 R- b  M6 u/ l  J+ Y' S
當然﹐如果係為子女著想﹐梗係會收啦  G1 W! D# M" E) b# y

9 D: `* ]& Y. l/ ?% _
# n4 w* E$ j; U不過希望o個個人冇居心﹐如果唔係我一定唔收~

jennifer

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.

trista_cheong

Originally posted by Triangel at 2007-2-10 02:38 AM:
( k/ K. P1 f+ k. }, Z& `8 `8 I& B- c* x3 x5 b* J' f  X4 \

* [" G6 E+ \& mronja,
6 X' c# V$ d: X4 ~9 r+ F我要比個Good 你。。。G...

  f! ?1 L9 b# _, R* M0 P* Y$ p. d, C; u
) H. ?9 H) y( A# R6 C7 R
0 C2 Q+ ~( o# H5 k8 g6 }咩呀﹐我做打雜ga ja~~0 @( ^! ?: [3 H4 `0 D- T$ Q! ]# F

. A. k* @& D& H/ s, O% A0 |嗚嗚~~ Tri Tri bb 蝦人ge~~~

trista_cheong

Originally posted by fongcw at 2007-2-10 11:15 AM:+ E4 A( {# J* h2 y3 ]/ {

- f; I( W3 n( t* U( V5 ]$ |
, ]0 Z0 }7 P! O, L1 n% q( r我聽講有一行名為「精算師」的行...

8 [4 H4 V& p6 r* q# t) w3 Z3 C. c9 O% i( T, @0 q$ B

1 p5 ]/ G$ l8 R! W% n# Y8 ^  v4 R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。
1 n+ E1 O9 Q# n5 }% x- P7 c6 X' z. K% I2 H4 c
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。