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为什么买保险总犯拖延症

今天想跟大家聊聊为什么在购买保险这件事上，人们这么容易患上“拖延症”。

“拖延症：是指自我调节失败，在能够预料后果有害的情况下，仍然把计划要做的事情往后推迟的一种行为。实际上，拖延症不是小众现象，每个人或多或少都有点拖延症。

买保险为什么会拖延

你明明已经有了保险意识，且有投保意愿，但还是一拖再拖。有些人咨询后隔了几个月才投保，有些人拖了几年依然没考虑好。

买保险之所以会拖延，通常有以下几方面的原因：

1.没那么紧迫

买保险不像吃饭，一顿不吃就会饿，但是今天或者明天不买保险，通常对生活不会有太大影响。

事实上，不光是买保险，大部分人对于不那么紧急的事情，都会倾向于拖延，比如读书，比如减肥…..

2.侥幸心理

保险的潜在购买者都认为自己短期不会出意外，人们对自己的判断也有着幸存者偏差，人们喜欢用自己过去的经验来预估未来的事情，过去健康、过去没事，所以也就偏乐观一点。然而还是那句话，明天和意外你永远不知道谁先来

3.预算紧张

生活中经常会有各种开销，有很多情况会导致资金紧缺，比如买房买车，或者投资亏损，手头上一时拿不出太多预算，想先缓缓再说。其实你完全可以找一个靠谱的经纪人帮你报价，看看实际上保险到底需要多少钱，有时可能比你想象的要便宜

4.保险是一种反人性的产品

我们购买通常意义上的商品，都会给立即你带来身心上的愉悦或者享受，比如一件漂亮的衣服，一顿美味的午餐。而保险这个产品是为未来购买的，它的作用会在将来呈现，而且我们也有很大概率不会使用到这个产品。所以这样一来，在我们的侥幸心理作用下，购买这个产品就显得有点纠结，很自然就会拖延。

 

购买保险拖延可能面临的后果

1.标准保费拖成了非标准保费

在很多人认知里，保险是想买就可以买的，然而事实并不是这样的。

买保险有一个很关键的流程叫核保，保险公司会根据被保险人不同的身体状况进行核保，健康状况良好，可以正常费率承保，有些健康状况不太好的话，就可能会增加保费、排除相关项，甚至拒保。

所以因为拖延，把身体健康状况从良好拖到有些小状况甚至出了大问题，把保费从标准拖到增加保费或者被拒保，实际上是增加了自己的风险

2.不幸出险

很多保险产品都有等待期，以重疾险为例，如果在等待期内确诊了重疾，保险公司是不承担责任的。

拖延实际上相当于变相延长了等待期，大部分重疾险的等待期是90天，如果是拖了3个月再买，相当于等待期变成了180天，这就增加了很多不确定因素。

总结

都知道早点买有早点买的好处，身体好，加费拒保风险小；早点脱离“裸奔”，有点安全感；年龄越小越便宜；早点买保险，通胀对保费的影响越小

道理都懂，却依然选择拖延，带着那一丝丝侥幸。

保险是一种反人性的东西，没事的时候不会想着要买保险，然而等有事时，想起来要配置保险，此时可能已经失去了投保资格。

所以，最后再次强调，买保险要趁早！

 

Important: The information and opinions in this article are for general information purposes only. They should not be relied on as professional financial advice. Readers should seek independent financial advice that is customised to their specific financial objectives, situations & needs. This advertisement or publication has not been reviewed by the Monetary Authority of Singapore.

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马静 Jasmine

Hi， I’m Jasmine.

After 20 years of living in London, I chose Singapore, this vibrant city, to settle down and be an independent financial consultant.

Effective financial planning is the way towards financial freedom and ultimately towards the freedom of time in your life.

I’m looking forward to getting to know you personally and strive towards helping you planning your financial needs to grow your wealth portfolio and achieve financial freedom.

您好！我是马静

在伦敦生活20年之后，选择了定居新加坡，转行成为一名独立理财顾问。虽然自己以前也从事金融行业，自诩对金融业不陌生，但转行之后才惊觉理财是一门单独的学问。

理财是一种生活理念和生活方式的选择，通过合理的投资理财规划，可以帮助我们实现财富增值、财务自由。

我坚信：财务自由，则可以时间自由；时间自由，则心灵自由；心之自由，才是生命之大自由。

请让我陪伴您这一段意义非凡的通往财富自由之路的旅程！

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根据《个人数据保护法》，鑫盟理财私人有限公司征求您的同意向您收集并使用您的个人信息。鑫盟理财将根据公司的个人数据保护政策所阐述的用途使用您的个人资料（例如姓名，证件号码，联系电话，邮寄地址，电邮地址和照片）。 该政策可在本公司网站上查寻，网址为 https://fa.com.sg/data-protection-policy/.

By submitting this form, you are deemed to have read and understood FAPL’s Personal Data Policy.

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