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Data:2009-12-12 2:34
The insurance industry have such a point of view - to buy insurance, is a continuous improvement process, but not always the most perfect moment. With different types of insurance for their own as far as possible to piece together a bastion of security is a wise choice.
Faced with the imminent in 2006, we quickly come to improve their own security barrier is necessary to fill vacancy Han Han!
Peek at next year's insurance <br> according to industry sources, the next year's insurance market will enter a new field: a concern for non-Medicare spending within the context of a lot of people bought the medical insurance always found that when the insurance company claims , reimbursement of medical expenses are basically within the scope of health insurance, are insured pays part of the costs. For their own expense, drugs and treatment programs at their own expense the cost of general insurance companies will be classified as other than areas of responsibility.
However, this "regret" is expected to be made up tomorrow. The non-Medicare claims included within the scope of the expenditure has been included in some insurance plan.
Second, concern about old age care insurance <br> At present, the single child gradually become the backbone of the community groups. Followed, and that is a couple need to support four elderly people (or more) situation. This has been a great modern work pressure is clearly inadequate, and the elderly in the family by getting lower and lower level of interest.
It is simply just getting on the head, due to population aging and the increase in empty-nest families, a severe problem placed in front of us --- who is going to support the elderly? Who of us after decades of maintenance? In view of this, the development of new old-age care insurance insurance companies had been included in the agenda.
Our first task of old-age pension insurance
The insurance market in 2006 What's so special? Sensible people have already discerned, have its sights on commercial pension insurance products.
Affected by this reform is that the greatest impact in young people, we are very far away from the original pension issues were once referred to the present. Who do not want to rely on their post-retirement pension to get by, this time on the need for other means to provide supplementary old-age pension. Commercial pension insurance is a good choice. Namely, starting from a young age to pay premiums on a regular basis, from the age of the contract begins sustained, regular pension. Insurers pay premiums more, finally get the more old-age pensions.
Short-term accident insurance a good career choice for the new jobs have just set foot on young people, because the income is generally low, a year to spend a few thousand dollars to buy life insurance were not realistic. At this time to buy short-term accident insurance is a good choice.
Accident insurance premiums because of the low, the amount is said to be characterized by a high can best embody the essence of insurance protection products, is also considered most in need of life insurance policies owned by the first. Currently on the market for accident insurance products to an annual renewal of the pure consumer products mainly because of its low-cost type of insurance premiums, but have access to high security and for the general public are welcome.
However, a pure consumption-based insurance to purchase, if there is no Chuxian, the premium paid is not returned, so these products are often figuratively, for "rent", especially not in a position suitable for "buy a house," he says. Under normal circumstances, an insurance by 10 million of the accident insurance, their premiums, but a couple of hundred dollars a year. For people who have just set foot on jobs, was entirely acceptable.
Insurance Case reference to Mr. Wang, a 24-year-old company's back office <br> annual income 5 Mr. Wan Wang two years ago and has just set foot on jobs, is still single, he live with their parents. Although the monthly wages are not high, but do not need to spend money on everyday expenses, monthly subsidies to parents just 500 yuan. In addition, Mr. Wang's parents as early as 5 years ago he was ready for the wedding room, but also peace of mind makes a lot of Mr. Wang, the hands of spare cash together more naturally. Because of young age, Mr. Wang has not yet buy any insurance plan for their own next year to buy a suitable insurance.
AIA recommends that:
According to Mr. Wang's features, expert advice, Mr. Wang, the focus at this stage could be considered to protect a long period, the premiums low, security high, to an accident or medical and health insurance-based protection products, taking into account the savings function. At present, the AIA has a return-type accident risk protection product --- "ideal pairs of treasure" Endowment insurance scheme, which is different from the market of pure consumption-based accident insurance, which products the "double treasure" function is mainly reflected in protection of consumers, while unexpected, but also to ensure the return of principal, taking into account consumer protection and savings needs of the dual. In this way, Mr. Wang both reduce accidents caused by direct or indirect economic losses, while forced himself able to save several hundred dollars a month, to prepare for the future. Premium for such products is low, security high, does not affect Mr. Wang's daily expenses.
Buy "Ruyi pairs of treasure" platinum plan, Mr. Wang pay 3947 yuan per year, less than its current income, 1 / 10, in the time of the accident, Mr. Wang receive 250,000 yuan for accident protection and all the premium the return; and if no accidents during the period of insurance, then the 10-year period Shihai available 10 years the sum of premiums paid, which is equivalent to 10 years to add a protection for themselves, the monthly for their own savings of 300 yuan.
Insurance Case Reference 2 <br> Miss Fan 31-year-old management personnel Income 15 million per year Miss Fan is a company's management, with decent income, she in 2003, when a woman pay for their own life insurance dividends, the amount of up to 400,000 --- 200,000 yuan of the whole life accident insurance +10 million +10 million in life insurance on a regular basis. One year older than her husband was a company's technical staff, the same are not low income; 5-year-old son has started studying the piano, swimming and English.
According to Miss Fan said that the couple spent a month her son spent all his money is necessary to more than 2,000 yuan; home also invited a nanny household chores, 1,000 yuan per month; custom fitness couple 1000 pieces of fitness monthly fees and necessary expenses ; As for water, electricity, coal, food, clothing and other daily expenses not that big, basic control in 2,000 yuan from top to bottom; another family will travel each year three or four times; addition, there are 8,000 premium, rough to count The whole family monthly expenditure of 1 million yuan and 5,000 yuan a month in savings.
That the case against Miss Fan, in the next year there should be what kind of insurance schemes?
Macro insurance proposed (Zhong Hong Life Insurance Co., the elite business Zhao Gang, director of operations):
In calculating the cost to protect Miss Fan family at least 72 million, Miss Fan over 30 million life insurance, so Mr. increase 400,000 life insurance. According to the current average life expectancy of 80 years for 100 million in the 50-80 years of age in 30 years can only be assigned to 33,000 yuan per year. The standard of living would be greatly diminished. Miss Fan out about the proposed 1,000 yuan to increase the future pension.
Miss Fan Although there are full of life insurance protection, but as age increased, the acceleration of the pace of work, but also need to consider for their own protection of certain major diseases. Similarly, the President should have in mind. As for the hospital medical care, visual health insurance and commercial insurance units have further to add.
In the case of the high cost of education, good education for their children in advance planning is the bounden duty of parents, but also to do some medical care for the child. But only if the parents first, adequate protection, there are extra budget before considering children.
Based on the above analysis, Ms. Fan design plan for the protection of the family for next year is as follows: Mr. Money can buy life insurance and worry-free lifetime pass dividends Po Endowment insurance, foreign Jia'an line accident insurance, and exempted from paying additional insurance premiums, total premium of 12,793 yuan ; and Miss Fan protection supplementary program may choose to worry Po Endowment Insurance (Dividend), total premiums 3855 yuan. After adjustment Miss Fan household expenditure of 24,648 yuan annual premium, at 8-15% the proportion of annual household income within the same time protect the lines greatly increased.
