Insurance payment with a major disease risk in different ways to spend a different Insurance Tips

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

"To buy a long-term risk of major diseases uneconomical. Not only expensive than the short-term and life insurance rates are now relatively high, might soon be opening a new life insurance rates or to release the rates determined by insurance companies on their own, then the insure the long-term risk is even more at a disadvantage. "Insured Miss Leung told reporters that he has been a major disease, consumer buying insurance, a one-year renewal, 600 can buy 200 thousand yuan to protect major diseases. Due to the lower rates, consumption-based risk of major diseases has attracted more and more young people's attention. So in the end choose which method is more cost-effective insurance?

Short-term insurance is cheaper consumer both want to get high disease protection, but also do not want to pay expensive premiums, the reporter found that, at present, there are many smart young people out of the same idea with the Miss Liang choice of the insured for shorter-term consumption of type of major illness insurance.
Statistics show that risk of major diseases, the shorter the period of insurance is indeed more expensive. Table A, B program of a major disease risk for the same product, were selected five years and 20 years, the period of insurance when the cost parameters. 25-year-old Miss Liang want to insure 200,000 yuan of the major disease risks, select A program of payment five years, the total premium paid only 600 yuan. Choose to pay five years of the program B, but a total of 4600 yuan get their premiums.

The insured consumer is not worth continuing, but should not be overlooked is that a major insurance company is generally established when the disease risk in the renewal in accordance with the actual age of the accounting year premiums. I understand that the insurance premiums are usually of major diseases increase with age to a more rapid rate of increase, especially to the 45 years of age.
Present a one-year period the more popular consumer-oriented insurance products of major diseases, for example, Miss Liang insured amount of 200,000 yuan insurance, 34-year-old when the renewal, the premium only 1040 yuan, 44-year-old when the renewal premium on re - has increased to 1780 yuan, while in the 45-year-old renewal, the premium increased to 4220 yuan.

The insured if the insured consumer over many years in major disease risk, consumer risk of major diseases, the total premium expenditure should actually be much higher than the purchase of major diseases savings-type insurance.

Still A, B program, for example, want to 50-year-old Miss Leung has more than 20 million until a major illness insurance cover. Press A program may be from the 25-year-old Miss Leung, the renewed once every 5 years, 5 years for each renewal premium. It is estimated that Miss Leung to pay a total premium of 95,000 yuan. While the B program, Miss Leung at the age of 25 one-time insurance, 20 years to pay, pay the total premium was only 52,000 yuan.

Need to concern about the risk of non-renewal of people's age, the higher the greater the chance of disease, the public insurance to protect against major diseases demand increased with the increase with age.
It is understood that, under normal circumstances, the provisions of consumer risk of major diseases, the insured may be the expiration of each period of insurance or the insurance company prior to payment of renewal premiums to show renewal. However, some insurance companies does not guarantee renewal. Consumer risk of major diseases, there is the risk of non-renewal.

"I usually will only consumer-oriented risk of major diseases recommend to the age of 20 to 30 years old, temporary economic hardship of the insured." Agent of an Insurance Company Guangzhou Branch determination Liu told reporters. Experts also suggested that consumer risk of major diseases after the age of 45 very high rate, more suitable for young and temporary economic difficulties insured turnover. For some the affordability of the insured, or priority should be given to purchase major diseases savings-type insurance. Savings-type insurance coverage during the long, old age is difficult to avoid the embarrassment of renewal.