Women risk care of a woman happy Insurance Tips

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

Chinese women out of love of home is the name, but often overlook the most deserving of the most vulnerable to protect own, please do not look at a female friend home insurance accounts as needed to select a suitable woman's own insurance, to protect a woman like a flower The Beautiful Life.

Sent in by readers on weekdays before "custom-made Personal Data Form" in the "family insurance status" table, there is always the husband and sons were insured, except his wife, the column is blank. But in fact, with the development of society, the concept of progress, economic prosperity, women in the family and society's role has been a great transformation and upgrading of busy life, intense work, competitive pressures, have allowed Women are constantly from his own "health and emotional bank" where the early withdrawals of a better future. Therefore, the modern women need to use insurance for themselves and their families build a secure outer space, while the appropriate insurance plan is an integral part of family financial management.

"Female exclusive" in insurance
The so-called women's risk is defined as specially designed insurance products for women in the country has not yet appeared before the door of the women in insurance, general insurance products, rates for men and women also have something else, but the difference was small, and the general health insurance protection types of illnesses are "men and women" in. In recent years, a variety of fresh listing of "female risk", on the one hand more specific, an increase of some women-specific and special need of protection, on the other hand removed a number of does not apply to women's insurer, the premium relative to be justified more.
Almost terms of the present, China's insurance market, women are two major categories of life and health insurance. Women's life insurance products, its main interests are often covered by health insurance and death and other support, and basically have a regular cash back feature. Women's health insurance products is a pure protection products, as opposed to life insurance products, no cash refund feature, but more inclined to protect the death and disease.
As a tailor-made insurance products for women, female insurance benefits and features three main categories: First, can address women's specific periods, such as maternity protection costs paid during the period; Secondly, women's health insurance will be targeted at women physiological in particular the establishment of insurance-related features, specifically for women, breast cancer, ovarian cancer, cervical cancer and other diseases to provide medical protection; In addition, taking into account women's beauty needs, some women risk also in women suffer an accident required to undergo plastic surgery surgical treatment, surgical medical expenses for compensation.
However, need to be reminded that the current domestic women's risk is still in exploration phase is not very mature, such as Shanghai's no specific women's health care insurance, so the time of purchase should be careful to see to protect the contents.

To protect the first place
Products Division, an insurance company Maoxian Sheng told reporters: "We should choose a reasonable risk women, we must first consider the purpose of buying this product. In general, should be medical, accident and death to protect the first place, consider a pension and investment dividends products. due to environmental degradation and the pressure of living increase, many modern women are suffering from more serious problems affecting women, breast cancer and other gynecological diseases have shown a significant increased incidence of disease trends ahead of schedule, due to physiological and physical reasons on the , women's health care expenses much higher than men, so women should be more concerned about health care insurance. "
"Moreover, China's average life expectancy of women in general than men 5 to 8 years old, and then taking into account the time of marriage women tend to be younger than their male 2,3 years old, while the women's retirement age for men was lower off than five years old, which means that the general experience of women than men live longer retire or widowed, so women have to consider the purchase of insurance, the risks of old age. "Yujing Li told reporters the department added.

Different options for different life stages of
Whether white-collar or housewives, women in different age, when the situation should have a different risk to consider. For the average woman to go through in terms of "entering the community - get married - have children - and stability - a retirement" stage, for married women who are not sterile, you should consider include disease risk pregnancy and newborn babies insurance products; have been educating women can basically be these two points removed. That have not bought insurance for young women, should first consider the insured with the medical, accident, death to protect life insurance products, to be the affordability of the timely adjustment to raise or get married again. As for the issue of women in a stable marriage friends, when she had been with Mr. and become an important pillar of the economy as if the family is a family of "half the sky" premium affordability has also been greatly enhanced, while the incidence of major diseases gynecological increased risk, so Mao Xiansheng recommended that this phase of the women can buy a special women's lifetime risk life and female co-existence, or focus on major diseases, women's risk insurance and medical insurance at the same time from the old-age pension, the family economy and children's education point of view, in the the main danger in their own policy on the appropriate additional education for their children and the future pension payments and other support.

The amount determined in accordance with the need to protect
Specifically, the proposed premiums for single women, personal annual income should not exceed 10%, while married women have been the best premiums and other members of the family planning policy if the family's primary insurance and additional insurance is already included within a certain the whole family can enjoy the health-impaired, you can change the appropriate focus of insurance, the whole family to pay annual premiums accounted for about 10% of annual household income ratio of more appropriate, but for now, women's insurance products on the market are based on the primary insurance forms, therefore, know how to care for their female friends would do well to prepare for their own well-being of an independent insurance protection of women.
In addition, the insured amount when the choice of protection should depend on their own needs. A senior financial consultant recommended Paul said: "The reason smart women do not want to own the event of misfortune, gave his family too much damage and impact. Then take a look at the cost of removing their personal, you can each year how much the family economic security, taking into account the less fortunate citizens aware of their case, but also for the family for many years of protection, both multiplied to arrive at the time of the insured amount. should be carefully considered before the insured and the family have been the actual conditions, within themselves. "