Category: Insurance tips Release Date: 2006-08-01
Risk assessment of their own making these categories
Each family and individual lives will be faced with various risks. Prior to the insured on a comprehensive assessment of risk, and then according to the different level of risk will need to purchase insurance is divided into a necessary insurance and optional insurance:
1 / a necessary insurance: insurance accident occurs, enough to pose a serious threat to the risk of the insured
2 / optional insurance: insurance accident occurs, there is potential to reduce the current assets and income of the insured risk, but the individual or family can still afford.
In the risk assessment, based on what is needed for further division of the insurance risk, which risks can be avoided without insurance, a way to confirm their insurance needs.
Confirm your insurance needs
To distinguish what the risks are no means to deal with insurance, which may not entirely in the insurance approach. Should mainly be considered:
1: Is able to enjoy the state-provided health insurance; have the right to enjoy the community to provide unemployment protection; have the right to enjoy social pension insurance. If you can fully enjoy these social security, you can not go or reduce the purchase of this insurance.
2: a reliable measure of their deposits in the bank, the amount of financial bonds, stocks, as well as investment income available to the legacy, loans and other financial assistance. If an individual asset rich and strong ability to get funded, can reduce the purchase of insurance, but depending on the concept of personal insurance determined. Because at present, many social well-off people to buy huge amounts of insurance, they think worth 1 million more need of protection.
3: If you are a foreign investment, joint ventures, private enterprises such as employees, some employers for their employees to purchase employer's liability insurance, casualty insurance or medical insurance, some employers may also purchase a retirement pension insurance for employees, so that the employee can have some protection.
Determine the insurance amount
In personal insurance, life time is very long and also the most difficult to determine the insurance amount. Each insured according to their income, family to the actual situation, after listening to the views of insurance agents for their own tailor-made set of insurance schemes.
Determine the period of insurance
The length of the insurance period, directly related to the size of the insurance amount, time allocation decisions of insurance is directly related to people's economic interests. Such as accidental injury insurance, medical insurance, usually for one year, and some can also choose to six months period, after the expiration of options you can renew or discontinue insurance. The life insurance is usually a multi-year, you can select the appropriate insurance for your time span, the deadline to pay premiums and receive the insurance payment time. For example, investment characteristics of insurance is one of rather a long time, generally in five years or more, up to 40 years or more, such as pension insurance. Taking into account China's current price changes, it is recommended to choose the time in the 5 ─ 20 years, preferably within.
