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Data:2009-12-12 2:34
How do families plan for their own insurance?
In general, the insurance company provides insurance mainly in the following varieties:
1. Life Insurance:
2. Accident Insurance:
3. Emphasis on disease risk:
4. Medical insurance:
5. Old-age insurance:
6. Children's education insurance:
Here let us turn briefly the above-mentioned types of insurance:
1. Life: mainly refers to the death of the insured person and available at the time of the payment total disability, total disability means a high degree of disability.
2. Accident Insurance: means the insured person's death occurred due to accident or disability, where the definition of disability than the life-wide and more of the little finger missing from the smallest to the total disability are included, according to the degree of disability give varying degrees of of the payment. Here note, accident insurance must be paid because of accidents occur, if the insured person died of illness, is not paid for.
3. Emphasis on disease risk: the insured person is diagnosed with a major illness payments.
4. Medical insurance: is usually a hospital or surgery occurred in a variety of medical expenses compensation; general, the major companies do not have a dedicated out-patient medical insurance, if there is other insurance from the evolution of them there.
5. Pension insurance: general insurance company by the policyholder in the savings and pension funds, insurance companies will deduct the initial fee, the interest rate slightly higher than the bank's regular interest rate compounded value-added, a decade later can be reflected in insurance savings, the advantages of Twenty years later, this money may be 1.5-2 times the original. Policyholders need to wait until retirement when the pension from this account, received a certain number of years, this account has no money. There is also a form of using law of large numbers, all the policy holders, among them, go ahead, there are, after walking, so you can spend her old age pensioners receive, but go first to receive the death, the account of the money go All policyholders of all.
6. Children's education insurance: general insurance company by the policyholder in the children's education savings grant, the insurance company will deduct the initial fee, the interest rate slightly higher than the bank's regular interest rate compounded value-added, a decade later can be reflected in insurance savings advantages, two decades later, this money may be 1.5-2 times the original. At this time as their children's college education payments.
So how do we plan for their family insurance? We must first understand some basic principles of the insurance plan:
1. First of all family members should be considered as a whole:
Between all family members to bear a certain family responsibilities, so we should be in the planning of insurance for all members of the family as a whole, so as to better reflect the responsibilities of family members and love each other, planning out the most suitable the situation of their families insurance plan.
2. Follow the family can not afford the risk of the first insurance, financial impact on families before the risk of a large insurance principles:
Insurance is not safe, in fact, the insurance can not by itself prevent the occurrence of the risk, insurance risk occurs only at the time for us to cope with risks of financial security, mind you, only financial security. Thus, a family should first be a member of the insurance should be the breadwinners of the household, pillars in the family have any risk, financially can also find some solution. Pillar is gone, the whole family into the paralyzed. In fact, the backbone also equivalent to the entire family's medical insurance.
Among all kinds of insurance, first of all the risks should be considered pillars of family life insurance, accident insurance and re-disease risk, the incidence is again the larger members of the family re-disease risk.
Now we will briefly give us a presentation on how the insurance plan for their families.
1. First, to determine what the scope of their own family members, including his parents, children and loved ones in this family, which one are the main source of income, if the risk of the member, the family what kind of difficulties encountered the need for parents to prepare the number of Xiao Yang Jin, how to prepare for their children to grow reserves and education payments, the number of living allowance for the wife to prepare? These amounts add up is the basic family members, need to have life insurance and accident insurance coverage, usually designed to be equally divided between life insurance and accident insurance.
2. Second, we must consider is the family economic backbone of heavy disease risk, because it is in terms of a family can not afford the risk. In general, according to the current medical expenses, the amount of insurance re-disease risk of a person ready to 200,000 yuan is enough, taking into account the family's economic backbone, able to do so could also be some more preparation.
3. Third, we should consider the other members of the family re-disease risk because this is our family faced a great risk of vulnerability, if not resolved, may bring us just can not bear the pain.
4. Followed by medical insurance, because medical costs are also making a negative growth in household income, a major cause.
5. Finally, old-age insurance and risk their children's education:
Old-age insurance and risk their children's education, whether who should consider, this is not certain principles, in general, do you think which one needs to first consider the more pressing.
Old-age pension and children's education are the problems encountered by everyone and, therefore, difficult to make the most of a small number of people who share the principle of risk to design insurance, usually old-age insurance and risk their children's education by policy-holders that they would deposit the money into the insurance companies, insurance companies, the use of a sound investment channels to help clients invest in value-added, since all insurance companies will deduct a certain degree of initial cost, insurance companies, compounded value-added advantage of higher interest rates than the banks to go through more than a decade to figure out, usually two Ten years later, the money would grow by 1.5-2 times the face value. So keep pension insurance and risk education for children of time, preferably before they occur in the demand for 20 years to prepare in advance.
We know that our money in their hands, there are generally three kinds of financial management, one is deposited in banks, this part of the money to face the risk of inflation; a kind of investment bonds, funds, securities, these investments means more or less the size of face ranging from risk. Insurance, we can not say that he is a good investment tool, we can only say that he is one of the most insurance of financial instruments, because against inflation is concerned, he is better than banks; from the investment risk is concerned, he is the smallest .
6. With regard to the elderly insurance:
We often see a lot of very good young man, a very filial son parents into jobs when they are, they first thought is for parents to buy an insurance policy. Their ideas are very good, but the specific done, they will encounter many problems. We are an analogy, a 100-year-old, he wanted to buy 100 thousand yuan of life, he must be paid by the premium per year at 5 million, which is based on the probability of risk occurring strictly calculated, and these premiums consumer type, is impossible to get it back, if he is very healthy, 103-year-old he had already spending the premium is 15 million, 104-year-old is 20 million, such insurance, you will be a choice? In fact, this is that many insurance companies insurance for the elderly a few reasons, because such insurance policy holders is very negative, so you will not buy you may have bought the.
Therefore, the age when a lot of people big time, aware of the risks exist, may experience the embarrassment do not have insurance to buy. It is also gives us young people a lesson, please take out insurance as soon as possible, in your youth to buy, when to buy your health.
So we actually can not use the insurance that hedging tool to help our elderly do? In fact, it is possible depends on how you use it. We often talk about "Raising children for their retirement, raising children for old age", and in fact, why do people in old age, when a large extent have to rely on their children, but in fact is the older child protection, in other words, children is the older of insurance. Should protect their own children, and that is the protection of the elderly. Therefore, the children select some accident insurance, life insurance, critical illness insurance, to provide protection for their own risks, that is, to protect their parents, to protect the family.
