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Data:2009-12-12 2:34
More recently, anshin just the mortgage a house. But she has not had time in their own house easily and enjoy a moment, has not had time a little breathing space, yet suddenly learned that his father was suffering from necrosis of femoral head disease, required surgery, light surgery would have thousands of dollars. Had just finished paying for the deposit on a house in anshin, this is undoubtedly worse.
In fact, a similar situation anshin lot. Many young people do not take into account the parents are not healthy, just do not know how to invest in order to make their parents to get more protection. It is a life insurance consultant, said his years of practice, there is a lot of young people consulted him how his parents to buy health insurance.
In recent years, medical costs rising every year, most people would consider taking out insurance for their parents to buy a critical-illness insurance so that the insured person in case of major illness, can receive a large insurance payment to ease the family economy pressure. However, the high rate of such insurance to condemn significant numbers of people find it difficult to accept.
Compared with the young, the elderly rate is much higher. With a 50-year-old male, for example, insuring 100,000 yuan friends Shouyu God critical-illness insurance, the annual premium is 6920 yuan, 20 paid. If the old man the previous 10 years are healthy, then he paid the premium has been nearly 7 million, but the sum insured is still only 10 million; if the elderly has always been healthy living to maturity, then a total of nearly 140,000 yuan to pay the premium , now get back the full period of gold is only 100,000 yuan.
To address the above issues, the insurance consultant suggested that some could be considered in conjunction with other types of insurance to the insured. Recently, many companies have developed a relatively flexible financial products, such as the AIA's intellectual Jamo universal life insurance, access is very flexible. If this product with the traditional combination of serious illness insurance, either in previous years will be able to get a higher security, the final returns are also much higher than the premium paid. 50-year-old woman, for example, critical-illness insurance insuring 50,000 yuan, the annual premium pay 2920 yuan (female premiums slightly cheaper), and then select Zhi Zun Bao-year universal life insurance to pay 4,000 yuan, a total is 6920 yuan per year.
Because of major illness insurance is to expire 88 years, it also assumes that universal life insurance to pay for 20 years to 88 years of age to receive all the net. If the elderly experience health problems, in addition to access to 50,000 yuan claims payment, universal insurance net may at any time to ask some or all of the extract, so the two parts together, that is, the overall health protection for the elderly. As can be seen, the new program is just the first 10 years of protection under the old scheme. But its advantage is that the initial offer of 5 million yuan of protection can guard against sudden health problems, but also protect the annual increase has been higher than the total premiums.
