Insurance Planner Single white-collar workers how to plan insurance Insurance Tips

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

Singles living chic comfortable income is quite high, the young object of worship. However, despite their high salaries, they do a fairly heavy workload, both little private space, but also often in a sub-health state. In fact, from the chic to the future family of married and single people living through the greatest change in the environment and living conditions, it should use the insurance to an important stage in planning for the future, if the earlier arrangement, would enable the advent of personal financial risk when not to on the verge of collapse. It is precisely because of these characteristics, single people in the design of security programs should pay attention:

1. Protection plan should be both offensive and defensive: single people are in the development of the insurance plan, not be confined to attacks, only consider how to make money begets money, while ignoring defensive side, that is a reasonable risk diversification. If the singles were more studies on the use of funds, you can actively make use of various investment instruments to accumulate capital, while taking advantage of their young, with the able-bodied and insurance companies underwriting the advantages of easy to just come up with a budget limited will be able to buy for their own low-premium, high security insurance co-existence on a regular basis, provide a solid guarantee for the future.

2. Medical insurance should be preferred: With the health care system reform, personal burden of medical expenses are also growing, so singles need to include in their insurance policies health insurance purchasing plans as early as possible to buy a major disease risk, but also It should also be based on large risky to buy additional insurance several health categories.

Common health insurance, there are two additional categories: additional hospital insurance benefits and additional hospitalization insurance and single service company in accordance with their own medical insurance system and make the appropriate choice. If you have medical insurance or unit to reimburse part of the allowance can select categories of insurance; the contrary, you need to purchase additional hospitalization insurance in order to achieve the purpose of risk sharing.

There is also a class of health insurance is group insurance, is the need for units to come forward by the collective unified purchase basic medical insurance, "added version", if you have a "supplementary edition of" singles at their own expense part of the hospital can also pay in full by insurance companies a.

3. Accident insurance should be a focus: If single people have a higher risk work environment, you can on the basis of the primary insurance, and then add an additional personal accident insurance, in order to remove the worry; who frequently travel, you must also add a travel insurance, so when you travel abroad will be able to get the full attention of the insurance company.

4. Old-age insurance should be arranged as soon as possible: single people to spend lack of planning, so if buying a certain number of old-age insurance or pension insurance with a bonus character, we can cultivate a good habit of thrift and savings, but also Chen Nianqing have When paid, with less expenditure for their own future to buy a high security.

In summary, a comprehensive security plan singles: 1. Regular Endowment Insurance ---- 10-year payment protection 200,000 yuan; 2. Major disease risk ---- 20-year payment protection 100,000 yuan; Additional medical insurance ---- the Protection of 20,000 yuan; 3. Additional accident insurance ---- the Protection of 200,000 yuan; 4. old-age insurance or pension insurance ---- Dividend payment period of 20 years may be appropriate choices based on income status.