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Data:2009-12-12 2:34
Speaking of commercial insurance, a considerable number of young white-collar workers who feels that's wrong, they believe that buying insurance is that the older or poor physical health of people, their own young and healthy, no need to spend the money wasted. In fact, this idea is wrong ------
One accident is too casual errors, fail to get their own
Some of the young white-collar workers that spend several hundred dollars a year to buy accident insurance is not worth too much, this world is so big, how can there be so many accidents, even if the accident does not necessarily next to go. This is a luck-based mentality, accidents are sudden and objective accident, it is not the individual's will, which when patronizing, patronizing who is the head, anybody's guess. It is exactly because the probability of accident and possess uncertainty, we should buy accident insurance. Accident insurance is sharing the loss of a financial arrangement that it has "a man-made masses, the masses as a person" mutual characteristics, despite the accident gave rise to the wide variety of disaster, but if the insured a certain Paul the amount of accident insurance, this can at least protect the victims and their families has received considerable economic aid, in the spirit of giving a certain degree of comfort.
Mistakes of the two social security, sufficient in
Social Security is a wide coverage, and requires individual pay a certain proportion of the social health insurance. Last year, in April, the Shanghai workers health insurance policy has been a series of adjustments in the personal medical care account for payment of funds increased, the health section of individuals at their own expense a marked increase compared with last year, of which outpatients conceited Duan standards and co-ordinate Fund has paid standard increased by 10% or so. Part of the social medical insurance needs of commercial medical insurance at their own expense the necessary complement; if the purchase of hospital subsidies category of commercial health insurance, the hospital can be a certain amount of social health insurance subsidies to make up for shortfalls in reimbursement. The costs of treating major diseases in general varies from tens of thousands, hundreds of thousands, and social health insurance in co-ordinating the application of the fund usually provides a maximum payment limits in the application of drugs also has certain restrictions. Currently many insurance companies have launched a major illness insurance are diagnosed with the amount of insurance payment, so that the insured person suffering from major diseases, unfortunately, at the same time, can get a substantial amount of medical expenses as a life-saving funds.
Misunderstanding of the three is still young, and not worry
Many young people consider themselves able-bodied, strong resistance to the elderly suffering from serious illness thing. The idea is clear that some radical. Young does not mean that no disease in modern society is full of opportunities at the same time, but also to the young white-collar workers has brought enormous challenges and pressures. Some white-collar work in the concentrate forgot to alleviate mental fatigue; some young white-collar workers busy work fosters an unhealthy habits such as overeating, alcohol, tobacco, etc., which will directly result in disruption of neuroendocrine function, metabolic function decline and self - decreased immune function, thereby reducing the body's ability to resist the growth of cancer cells reproduce easily suffered from cancer. Data show that China was about 70% of the sub-health status, mental engaged in research work is the most vulnerable groups of people into one of the sub-health state. Young white-collar work under pressure, while, as soon as possible to buy a suitable category of commercial insurance, medical illness is undoubtedly a wise move, because the younger the lower rates sooner have a guarantee.
Mistakes of the four were on the ill, bought an insurance policy is also incurable, senseless
On the existing level of medical technology is concerned, some major diseases is really no cure, but effective, active treatment can at least extend the lives of patients, especially in early detection and early treatment. With cancer, for example, early detection and early treatment can reduce the mortality rate of one third. Moreover, each patient had a survival instinct, every patient's family will not leave anyone to die, with the major disease risk coverage, risk borne by the insurance companies, family members no longer raise money for medical treatment to dispose of bank deposits or go to the debt. To some extent, the insurance is to make oneself a chance to regain health.
Mistakes of five to earn money to buy insurance than an investment
Some young people prefer aggressive investment, as long as the total cash investment rate of return linked to love. However, the advantages of the insurance is not the rate of return on investment, but because of its support functions. It is like the financial foundation of the pyramid, the young white-collar workers only for their own ready to adequate protection, other financial plan to achieve it possible 11; if it does not lay the foundations of all the venture capital would be pie in the sky, once the collapse, the consequences will be unthinkable. As long as the annual premium paid by the income ratio is reasonably within your overall investment plan it will not have any effect, on the contrary, it can also escort for venture capital. In the venture failed when the falls are fully capable of re-Paqi; in the risk of accidents and disease comes, because the purchase adequate insurance do not have to affect the risk of investment to continue.
