保險是騙人?(轉)

cosmoswind21

The main point is 買保險前要貨比三家 !

ekintong

我信呀！！

ash_xxxxxx

我又覺得保險唔係gambling,只係一個你搵唔搵到return既choice...或者投資選擇
如果你可以一年搵到8% return...其實你可以唔使買...但好多人又怕係市場輸錢,return長期1-2%...
不過我覺得醫療真係要買一買...有咩意外真係幾使錢...我識人使左30幾萬醫病...claim左23左右...
我都好同意albert所講既,雙方都有責任...agent固然可能有問題,個客有21日cooling period,自己又有無去了解自己簽左既野岩唔岩既...

alaska2014

Insurance being perceived as a scam is a common phen. around the world, more so within HK /China region. I think its how everything is about pushing the front line sale here, with no concern in morality but sales target. It is quite sad.

Someone with any kind of foundation knowledge in statistic or actuarial can tell you that insurance is not a scam, it is a fair game when properly priced (only if you are really buying what you think are buying, guess thats the real problem lol).  

Plus if you own any sort of risky property, cars, any business plans/shipments or even your pet dog lol, you should buy a proper insurance accordingly. Just like you should hedge your investment. Insurance is always needed, but so with the regulation!

ktf

講真嘅，保險本身唔會騙人，騙人的是人。

地玉毛神

你大病時就係佢好處

hoderek

回應 gats #6 的帖子

well then from your point, then everything could be a gambling, I could alternatively say that not engaging in an insurance is a gambling as well for things not to happen, you don't truly understand what means by risk and uncertainities, perhaps you should have some basic finance understanding of it.

chocoking

其實保險的確係騙人的...佢係計完機會率之後再用你比既錢(PREMIUM)養活D AGENT同保險公司D人...所以係唔化算的...

四川佬

回應 wyes258 #1 的帖子

保险多数都係行骗。出了死亡是absolute外，病经常都係up to interpretation。保险公司只会濑同埋拖，尤其係D本地细行。D外国行勉强好D D咁多

anonymous817

我一向都唔買保險, 亦無後悔過

ivanleungmo

永遠益唔到自己

rayback

沒用到的時候當然會覺得保險沒啥用
但真的出事的時候...多少都有幫助

palmanx

大家講咁多都忘了一個問題的根源：保險公司制度！

我相信每個保險經紀都希望係保險行業好好地做，因為依家既保險唔係阿貓阿狗都可以去做，要考試，要讀書，要培訓的，所以，保險經紀基本上唔希望做絕自己條路，想靠口碑繼續做落去。

可惜，保險公司內部對銷售人員有一套＂卒＂數制度，每個月要跑幾多數，每年要做到幾多數。。。。否則，等炒！制度本意係好，唔想經紀懶散，但係，當Ｄ經紀要面對被炒同埋之前做左既努力同客源都會失去時，更有質素既經紀，都會想辦法去整一張半張單番來求存，相信講到呢到，好多曾經係新入行既經紀一定都有同感。

經紀其實好慘，好多係無底薪，入來做初時對行業充滿希望，可惜，經過一番市場洗禮，佢能留低既，自然可以繼續留低，唔可以既，做一年半截都會離開呢行！

所以，請大家記住，保險本身係無問題，大家出少少錢便可分擔將來萬一會發生既大事同大支出！大家對待保險其實可以：
１。選擇一個可靠老實既經紀；
２。除左聽經紀既介紹是否合適自己既要求計劃外，自己對保險既知識亦要多了解。你諗下，你去買個電視機，都會問下電視機除左出畫面，仲可唔可以駁電腦﹑有無高清。。。。係咪？所以，自己都要升呢；
３。當找到自己合適既計劃後，再估計一下自己既保費承受能力，記住，長計劃同短計劃都有佢本身既優點，所以，你如果選擇左長計劃，咁你自己既承擔能力亦要以長期承擔既方向去諗。

總之，保險唔會無用，我曾經係受益者，意外受傷入院，都有保險公司承擔。保險係需要互動，你多講你既要求同需要，你既保險經紀亦會容易找到合適既計劃俾你。

保險同錢一樣，有錢唔係萬能，無錢就萬萬不能！有保險比無保險既保障好好多，真心話！

eminem66

這要看你從什麼角度去理解了來自: iPhone客戶端

小东瓜

唔爆煲咪冇事…

Jerryfai118

好多人買野前都係糊裡糊塗

Ottosuper

其實保險制度係促進緊社會繁榮，宏觀啲睇唔好單睇人壽，保險的作用就係風險轉移，例如做生意的，一場大火可能就燒晒你一生心血，有買保險起碼俾你有機會東山再起，有買同無買，命運已經唔同

CyberWalker

保險有佢本身存在價值, 但係唔係個個人都有需要...

jyddsgyb

其實開保險公司的是爲了賺錢，沒辦法