人们对商业保险存在认识上的误区首先,将商业保险公司看作政府的一个职能部门。在一些人看来,保险公司和民政福利有几分相似,特别是一些失去医疗保障和退休金的个体工商户,寄希望于保险公司可以成为报销医药费和发退休金的部门,然而由于保险公司的商业性,其所承办的险种及所保责任必然与这些人的期望存在一定差距,因而本应该最需要保险的人投保热情却不高。其次,一些广告的误导,容易使人产生 People Misunderstandings about Commercial Insurance First, commercial insurance companies are regarded as one of the government’s functional departments. In the view of some people, insurance companies are somewhat similar to those of civil affairs. In particular, some individual industrial and commercial households that have lost their medical insurance and pensions are hoping that insurance companies can become departments that reimburse medical expenses and pensions. However, since insurance The commercial nature of the company, the type of insurance it undertakes and the responsibility it must inevitably have a certain disparity with the expectations of these people, so those who should most need insurance have less enthusiasm for insurance. Second, the misleadingness of some advertisements can easily lead to others