Category: Insurance tips Release Date: 2006-08-01
The so-called low-income families is a relative concept, according to a nationwide survey of urban and rural statistics, last year, Shanghai's per capita disposable income of 13.25 thousand yuan, which means that in Shanghai, a family of three families with annual income of 4 million or 40,000 yuan following the case of low-income families.
In the event of accidents, such families are often prone to trouble. Therefore, when low-income families in financial need to consider insurance.
Do not merely look after their children to buy insurance
Financial experts suggest that the insurance spending accounts for 10-15% of annual household income more appropriate, so low-income families in Shanghai's annual premium payments, less than 6,000 yuan more appropriate. Home Insurance First, to ensure that adults, especially the family's economic backbone. Chinese eager to son, often with children to buy a lot of insurance, and adults had not even bought a result, adults out of an accident, the child nor the whereabouts of the premiums.
In the provision of equal protection under the premise of the insurance pay the highest dividends, life-long life second, on a regular basis the lowest life insurance payment, the difference is that term insurance does not return. For example the same for 35-year-old males 10,000 yuan of major diseases, the sum insured, the Pacific 20 years of regular life insurance, long-Kin (A), an annual fee is 142 yuan, other than the whole life insurance, the annual payment amount is 370.5 yuan general dividend payment whole life insurance higher than 50%.
Impact of health insurance to buy insurance
For a small private property owners, often the main source of the family, and his physical condition determines a family's living conditions. Ping An Insurance of happiness (A) 20-year term insurance, 30-year-old man pay 1900 yuan per year, during the death toll, family, achieving 50 dollars in settlement.
For those units of adult medical care is not high, the purchase of hospital medical insurance is necessary, such as the Ping An Insurance's "99-patient peace of mind", 30-year-old to 39-year-old male pay 781 yuan per year in hospital receive 50 yuan per day ranging from 100 yuan subsidy to encounter an organ transplant or cancer type major surgery for 10 dollars in settlement.
