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Data:2009-12-12 2:34
Advantageous for children focus on education elderly insurance payments in return first consider the medical
Seeing the Christmas, New Year, the Spring Festival season, the traditional gift to express love the way the other side of the Chinese people once again become the first choice. With the improvement of living standards, it is the pursuit of their own material and can be self-satisfaction in peacetime, so get healthy, get safe, get safe, get immediate benefits has become the most popular way, the insurance is no doubt in line with the requirements of people's quality of life. Yesterday, the reporter 100 readers survey, most readers think that this festival in particular are the Year, to the elderly and children to send copies of the insurance most suitable.
Old insurance: to ease pressure on pension
The elderly are disease-prone group, the mortality rate is also high, the risk is far greater than the other groups. So a long time, the elderly have been life in a forgotten "corner", but with the growing aging, old age life insurance market has been more and more attention.
Variety selection: only four risk categories to choose from
Insurance companies have introduced different products, policyholders can pay a one-time premium, a fixed annuity can be paid monthly. Old-age insurance currently on the market, mainly divided into medical insurance, casualty insurance, life insurance, income, of which the last paragraph of several insurance companies introduced new products, which is characterized by elderly people themselves to support themselves.
For comparison: First, consider the medical insurance
To remind people in the industry, the elderly in selecting insurance products before should first determine where is more focused on solving the problem is the risk of accidents, illness, medical expenses, or the dignity of the pension costs.
Older persons belong to vulnerable groups of society, self-illness more likely than other groups large. In the country's social health insurance system is not perfect cases, through commercial health insurance to seek more comprehensive health protection. Therefore, in considering the purchase of insurance, the elderly need to be considered should be the first medical insurance.
In addition, the older age groups being the probability of accidental injuries than other age groups, especially traffic accidents, accidental falls, fires and other incidents on the old injury worse. Therefore, accidental injury insurance should also purchase insurance as an important option for the elderly. Life, including death insurance, life insurance and life and death co-insurance, not including health insurance. The vast majority of retired elderly people in general do not need to look after their children, parents, and no longer have the burden of mortgages and so on, so do not need to die insurance protection. If China began to levy inheritance tax, life insurance should be a good tool for tax avoidance.
It is worth mentioning that in the elderly over 60 years of age, a considerable number of elderly insurance conscious, willing to actively participate in the insurance.
Reminder: to buy insurance for the elderly should pay special attention to the following questions: First, pay attention to insurance age limits; second, pay attention to truthfully inform the terms of the obligation; third, pay attention to areas of responsibility insurance; fourth, pay attention to health insurance hospital wait and see period; Fifth, pay attention deductible clause.
Children's insurance: Health insurance benefits were favored Endowment insurance
National Bureau of Statistics in Beijing, Shanghai, Chengdu and other cities have done a statistical ,0-12 years of age the child the amount of the monthly consumption of up to 35 billion yuan, including medical expenses and education, becomes the biggest expenditure. With the increase in cost of education, many parents in the child before birth reserve a certain amount of money to their children as the Education Fund. For children to buy insurance is undoubtedly the result of education and potential to reduce the future burden of disease the best way to produce. The latest financial sense tells us: "rich" kids of today for tomorrow to prepare for the future of education and start-up capital to be prepared for the children; and "poor" child, that only the present, there is no long-term planning children. Therefore, how the funds are ready to make a child grow up on the road from the lack of funding troubles, has become a major event is now the hearts of parents.
Variety selection: the importance of education in return for gold
Now most of the insurance risk of the parents of children education fund set up as an ideal financial tool because it has the savings, security, dividends and investment, and many other functions, not only the risk is small, benefits are also very stable. Reporter in the macro, friendly, Xinhua, the Pacific and Ping An Insurance, etc. understand that they have launched a children's insurance co-existence of insurance products, suitable for 0-12 years of age 0 to-15 years old and 0-17 years of age and other ages. These products are not only after the child's birth can be insured, and the other adult children, a month would receive a certain proportion of education funds, and some insurance companies also married after their children, pensions are a way to return.
Reminder: Due to the various life insurance companies introduced products are not the same insurance before sending their children must understand the situation, thus avoiding a lot of unnecessary trouble.
For comparison: the sooner the more cost-effective insurance
The insurance sector, said children in infant stages of the insured, the premium is relatively more cost-effective. As an educational-type children's insurance coverage for the insurance premium 14 years young is one year old baby five times the insurance premium.
Another example, if a parent intends to give his daughter a regular life insurance products, insurance by 10 million payment for 20 years, one at the age of the insured, the annual premium paid 900 yuan, 14 years old when the insured, the annual premium paid had increased to 1,200 yuan, 28 years old when the insured, annual premium of up to 1900 yuan.
In addition, the infant and early childhood, insurance, risk can be effective as soon as possible to pass on insurance companies, and the infants were refused due to poor health insurance coverage or required to increase the probability of a very small fee. There are also specific time period provided by the child's insurance to buy is also very cost-effective, such as student safety insurance and student medical insurance, hospital admissions, parents can choose the two products, which is characterized by a low premium to guarantee high, reflecting higher " cost-effective. "
Reminder: If interested in sending their children to the insurance gift, prior to reckon up accounts is necessary.
Expert guidance
Children's insurance should pay attention to four major feature of
Choose a time when insurance-related insurance to pay attention to the following characteristics: 1. To protect the relatively long period can faithfully accompanied their children grown up, we need a definite answer; 2. To protect the content as comprehensive as possible, so that their children receive the most comprehensive care; 3. costs should not blind competition, what one can, in general children 50000-100000 yuan of insurance coverage can be, unless your family conditions allow, you may be appropriately increased; 4. Contributions should not be too long period of should focus on a minor child, before he grew up, the freedom to choose the right insurance coverage.
Advantageous concerned about the protection of children's earnings
Children's protection insurance is divided into two types, and education-based categories:
Protection-type insurance is mainly to solve children's children's medical problems, but also to provide accident protection. Include: 1. Children's accidental death and disability insurance. Generally speaking, this insurance will not separate the establishment of insurance, often attached to the children's life insurance payment. 2. Children's medical health insurance. This insurance is insurance for children suffering from diseases arising from the treatment, hospitalization and surgical expenses to provide protection, to a certain extent, solve our current health care system in "the absence of children's protection."
Education-based children's insurance is mainly to prepare for their children education grant, based on the children elementary school, junior high schools, universities, etc. the different stages of growth and provide insurance coverage or a business, marriage fund. With this children's insurance, not only by insurance companies pay part of the cost of education, but also to a certain extent, a reasonable tax avoidance.
Children's risk three major issues will appreciate
First, the safety of principal, the second is to have growth and the third is to have a non-mobility and mandatory. Is specifically manifested in five areas: 1. The cost should not be too high. The child's insurance premiums should be based on economic status live within our means, should not blind comparisons. In a family, pay an annual premium for the child not more than their parents insurance, if not both, should be mainly adults. 2. Contributions period should not be too long. Economic cost of insurance premiums in the family occupies a certain proportion of children's insurance Contributions period should be focused on the child before age 3. The protection period is relatively long. Children's insurance is to give parents a unique gift children, and its amount is not necessarily high, but it can faithfully accompanied by a child's life. 4. Protection as comprehensive as possible. A comprehensive insurance plan not only cover accidents, illness caused by huge losses, but also in-patient medical care and provide the appropriate protection, so that their children get the most comprehensive care. 5. In the investment returns should be based on education, and gold, and taking into account pension costs.
