Insurance Guide Accident medical insurance as the most important Insurance Tips

Category: Insurance tips Release Date: 2006-08-01

As income is not very high Young people, nor the number of family burden, first of all should pay attention to is its own category of accidents and accident medical protection; it can take into account a certain amount of term insurance, in order to repay parenting grace to do well prepared; As for the major disease categories of insurance, may be able to "holding cash at hand concept" and wait for a better product, after rising interest rates.

Xiao-Li is a June 2002 graduate from East China Normal University undergraduate Young people, and now Shanghai company to do a mid-level clerical jobs. Although Mary is still single, lived in "one person, fed the whole family eat" days, but in this busy city life, who knows the risk when it comes to your head? More recently, my colleagues always hear talk about insurance, so she was also thinking: "Otherwise I would also buy insurance, right?"

However, there is some disaster has Xiaoli heart, if we really want to buy insurance, will increase their financial burden? Although her salary is not in the students in the low 3,500 yuan a month, but after all, just a "new New Shanghai," and a month rent, food, as well as high transportation costs, telephone charges, meetings from time to time with the students, as well as shopping and consumption, and female partners, thus the remaining 500 per month to 1,000 yuan can be used as non-routine expenditures. Then she should wait another few years, such as increased income and savings and then buy insurance?

But she also heard that the younger to buy insurance, the premiums are correspondingly more expensive. Hey, really is a bit hesitant. In the end of the how to do?

In fact, Mary did not need to worry for the incident. Such as Mary Young people, salary is not very high, plus a lot of variables that might arise in future, there is currently no need to buy too much insurance, the main choice of low premiums to protect the high-net to protect insurance can be, and savings type of life-long life, the basic old-age insurance is not taken into account. Premium budget should be 10% of annual income limit is basically 5% ~ 8% on the similar, so what is not and will not pose a burden on daily life.

Casualty demands placed first in
Some statistics show that young people are the highest accident rate in the population. Right in their twenties, young people rarely die because of illness, usually is cold a little more, the possibility of a major disease is not high. Therefore, the protection of young people in the biggest demand is unexpected type of insurance, and accident insurance is a major feature of low premiums. Therefore, the type of insurance for the young people, just to work is the most affordable. At present, the domestic general accident rates in general insurance products each year about 1.5 ᾿to 2.5 �that is, as long as a year to spend two hundred or so, you can get the insured amount of about 100,000 yuan ordinary accident insurance.

As for the amount of accident insurance options to the community fresh people, usually annual income of 5 to 10 times more suitable. For example, Mary would take four or five hundred yuan every year to buy protection for 20 million lines Accident comprehensive insurance.

In addition to everyday ordinary accident insurance, young people in out travel by plane so we should pay attention when good insurance. Short-term travel insurance, temporary aviation insurance can all be purchased at a particular time extra to spend a few dollars to tens of dollars to buy a peace of mind for young people can afford. If you travel often a "trapeze" type, you can buy six months or one year of the vehicle insurance premiums in order to reduce expenditures.

With good medical insurance, accident
As a supplementary accident insurance, accident medical insurance is also a young man should be considered. To do field work, especially the young, and young men (regular participation in sports, easy to sprain, etc.), but also should consider the accident medical insurance to cover unexpected medical expenses or loss of working time lost.

At the same time, someone just entering the social health insurance in the "new man", outpatient costs a higher proportion of self-pay, so the best access to the door emergency medical expenses insurance. Unfortunately, currently available in outpatient and emergency insurance for individual diseases have disappeared, such protection can be obtained through the group insurance unit. Individuals can choose some additional unexpected costs of insurance, emergency doors.

This reporter recently in the street to see China Life Insurance salesman can be purchased separately in the marketing of a medical insurance card accident, this is called "security card" simple medical insurance cards, insurance for one year premium is 50 yuan, can provide up to 2 million accident insurance up to 5,000 accidents door emergency expenses, and the highest 3,000 accidents in surgery, in the Shanghai area with no deductible, can be considered as a good choice.

Term life insurance is to give parents "conscience policy"
Although mostly because of unexpected death among young people, but Mary is worried about an unfortunate death due to illness, if they had only voted accident insurance, parents do not get no compensation for it? Our parents who have just entered the community, if it is too late to Xiaoyang parents died tragically, how have to leave something to their parents, right?

If, as Xiaoli such consideration in the hope the parents can remain in their "all in case of death" are received insurance proceeds, then of course have to choose ordinary life insurance. But ordinary life is also divided into regular life insurance, life insurance and life-long life of life and death co-existence three categories, the former is a pure consumer products, the rate is relatively low; after they are savings products, a higher rate.

Young people of income is not high, at the growth stage of life, relying on wage income more than offset by savings of money should be invested in "money begets money" investment areas, through life insurance, life insurance or life and death Endowment for savings and not necessarily is a wise choice. Therefore, in order to prevent the event, you can buy relatively inexpensive term insurance, planning time for not more than 10 years, because 10 years later, Young people have become the mainstay of the family needs the protection level and first entered society, totally different. At this stage to do this kind of insurance plan, be prepared to give their parents a "conscience policy."

Risk of major diseases or could be suspended

Major medical services, although the sooner the cheaper insurance, but this is only a relatively elderly cheap cheap. Need to be considered a problem is that our country is in the era of low interest rates, major illness insurance in general is not cheap. A few years, if the interest rate can be elevated to a certain extent, perhaps when a 30-year-old person can buy a major illness insurance, than it is now a 25-year-old person cheaper.

Therefore, if the budget adequately, it can choose a sum assured of around 100,000 yuan risk of major diseases; if the budget is not high, it is recommended that this insurance or can be suspended. For example Xiaoli left an annual income of 40,000 yuan, 100,000 yuan if the insured amount to buy a life-long emphasis on disease about 20 years, then to pay the annual premium of the average market price of 3,000 yuan. Way down, she would like to buy other insurance is very hard for.

Of course, a simple anti-cancer insurance product prices were relatively cheap, if we can sell to buy a separate anti-cancer risk of young people might consider this as their own insurance "basket" in.