Category: Insurance tips Release Date: 2006-08-01
At present, many insurance companies have introduced a family of insurance for the insured unit, "a policy to preserve home" "new concept", has aroused much attention of investors. So, what is the family-type insurance, what insurance? Investors are buying packaged family-type home, insurance, general insurance, or self-purchase to combine any better?
What is a family-based insurance? Insurance companies, told reporters that the family-type insurance is a kind of all the members of the family of the insured person's insurance, the insured when the insured person to complete a policy as long as people can get more insurance protection. Family insurance is a simple, comprehensive, and flexible features.
So, in comparison with the general insurance, the family-type insurance, what characteristic? Insurance companies told a reporter, first of all, the family-type insurance procedure is simple. Family-based insurance can provide protection for all members of the family, eliminating the need for repeated selection of insurance products insured, fill in more than the policy of trouble. But also types of insurance, covering pension, health care, education, accidents, women and other protection, the insured may be according to their own situation will melt on these guarantees into an insurance policy.
Secondly, the family-type insurance, the insured can reduce expenses. This is because, if each member of the family to buy their own insurance, each separately, it is inevitable there will be duplicate insurance phenomenon.
Third, some companies offer family-based insurance premiums exempt function. If the family breadwinner when misfortune led to disability or death, you can be exempted from the insurance policies of family members of long-term insurance premiums, and insurance benefits continue to be valid, the initiative for the insured minds at ease.
Fourth, the family-based insurance would also have additional insurance benefits. Because in some family insurance, one was the main risk insured, the remaining members can select any additional risks, and after the expiration of the primary insurance, additional insurance can continue coverage.
Finally, the family-type insurance policies also can be upgraded. As the family security needs change, customers can add insurance, the insurance amount and the insured person on the basis of the original insurance policy options to upgrade.
At present, both the life insurance company property insurance company, introduced a great many types of insurance products the whole family. For example: China Life Insurance family portrait for the family members suffered accidental injury, disease, death to provide protection; Xinhua Life Insurance, a joint life insurance family portrait for the family members of deceased or high residual protection insurance; Pacific Insurance Property and Casualty Insurance "family well-being of the insurance scheme", configuration of the family most in need of a number of risk protection insurance, such as vehicles, comprehensive insurance, the family property insurance, the family personal accident insurance, personal travel comprehensive insurance.
However, the insurance industry say, for the whole family insurance, insurance companies insured the family is still there must be restrictions. Therefore, not all families are suitable for the insured family-type insurance.
In this regard, financial experts say that some insurance "package" set by insurance, some insurance policyholders may not be a genuine need. Therefore, the choice of insurance need to mix and match themselves, optional insurance of the "buffet" flexibility is better, so that the insured a high degree of freedom of choice. Suitable for the relatively weak economic capacity of the populations, such as fresh graduates to participate in the work of young people, you can choose a number of health insurance and accident insurance to insurance, to make its own security and health care expenditures are protected.
At the same time, the industry to remind investors that the current family insurance, aimed at 30-year-old to 40-year-old white-collar, working-class populations, there are 23 homes in the people who need insurance protection. For three generations the family, taking into account the ancestral older, currently is not normally covered. Furthermore, the insured should consider their own circumstances, including family structure, the focus of family protection, to protect family members, as well as premium focus on affordability and so on.
