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Data:2009-12-12 2:34
In up to 3 months of dedicated comparison, 30-year-old I bought a set for their own insurance portfolios: a "regular life insurance + major diseases + accident + health + hospital hospitalization subsidies" integrated products as well as a regular investment plans, the establishment of safeguards for the health of a lifetime. When he was young, how do we develop to meet their own needs protection scheme?
In modern society, as long as you have enough money, almost all insurance companies you want some of the demand can provide a program to help you achieve. Fear of disease, fear death, and Palao had no money, and would like to find psychological comfort, and tax evasion, insurance companies are enthusiastic to say: "Come on, I'll help you!"
Many people are often passionate agent recommended by the complicated portfolio of products and get faint mind, arbitrarily pick a purchase, will soon regret it or think that insurance companies are deceptive and simply give up the insurance. This is certainly not right themselves and their families, for money, the most responsible attitude.
I think it is necessary to scientifically purchase insurance, we must first clear the following issues:
First: Why do we need insurance?
Each of us may not live for some time the risk of resistance, although this risk is only 1%, but when they come, we may be driven by a momentary lack of sufficient money mess. Therefore, we are willing to each take a money, 100 people get together, put aside a 100, giving the event of trouble in which personal use.
The insurance company is that the organizers, he told 100 people each received two money, a total of 200 yuan, 100 yuan of which lose out, 100 yuan to do overhead and profit. So, the choice of insurance, we need to remember:
ü insurance companies are commercial organizations, it is to make a profit as the goal, rather than simply offer love - to the insurers, the more money the more there is a long time on his best, but for us it is not must be the best;
ü insurance, the most valuable places so that we can compete in a certain period of life money can not afford the risk - if you have not achieve financial freedom for life, then the insurance company does not help you;
Second: What kind of situations do not need to buy insurance?
If there is no need to rely on the salary you bring back life, if you died right around them, and no effect on the financial, then you do not have life insurance to protect those who died;
If you already have enough money around and invest in low-risk, liquidity, good investment projects, was in the accident, sickness, when they could spend, then you do not need health insurance;
If you believe your financial management capabilities, will not let the hand has to earn the money to spend freely, and the ability to make you part of the money to a certain interest rate value, then you do not need to buy insurance, pension dividends. The reason is simple: insurance companies may not have their own investment results well; put money on their hands when needed or have a higher investment opportunities, we can arbitrarily to mobilize, but for most types of insurance, if out in advance, then 10 during the year are very disadvantaged position.
No. 3: What people want to buy insurance, if the reader meet the following several cases, it is recommended to purchase insurance:
᾿There needs its own support his family, but his most recent and in the next period of time there is not enough money to withstand unforeseen circumstances (death, disability, disease, etc.) appear.
* Want some money into riskier, higher-yielding projects go, you can first come up with a small amount of money to buy insurance, to increase the anti-risk ability.
᾿No financial management capability, the money in his hand can not be a good value, it will easily spend the need to use coercive measures to protect pension savings.
Fourth: If you need insurance, how much? Long will it take?
The amount of insurance required to be determined according to the necessary protection. Unexpected disaster will bring themselves and their families what kind of impact? Hope that they will have enough money to spend for how long? The assumption that relies entirely on the insurance money to get by, or over a period of time to remain at work? This can calculate the amount of necessary protection.
As time goes by, our savings, investments, and has been clear to repay the mortgage on their homes, will change the actual needs of the insurance amount. 30-year-old when you take up to 30 million in guarantees to 50 years old may only need 100,000 yuan. Your own process of achieving financial freedom, that is, you gradually reduce dependence on the insurance process.
Solve these problems, the following is the product of selection. I chose a "regular life insurance + accident + major diseases + hospital medical + hospital subsidies," a combination of guaranteed "death, disability, major diseases, general hospital" and other fundamental risks, which may also be many families in need.
First, regular life insurance Term life insurance is that many people in need at a young age, with a small amount of money to buy into a large amount of insurance in the next 20 years, 30 years after the death to protect his family can survive on their own for some time, this is also the insurance the true value.
Term life insurance is a relatively simple product, the insured passed away, the insurance company claims. Additional Term Insurance generally will be a little cheaper than the main risks. Some insurance company Ping An insurance company on a regular basis, such as life insurance is also accompanied by seven of 34 disability insurance, life insurance Taikang of a regular variety can also provide high residual protection, this is a good variety.
Second, the accident insurance accident insurance are generally annual payments, you can renew the policy to protect the 64-year-old, or 69 years. Choose Casualty of the most important thing is to see the price the same as under the protection of the more expensive the better; second to look at is the main risks or additional risks; In addition, some have a certain amount of accident insurance deductibles, some do not, of course, the lower the deductible the better.
Casualty I chose the Xinhua Life Insurance, the multi-PAT, which is a very high cost performance products, cover the the "accidental death, accidental disability (not just total disability, but also includes general disability), and unexpected doors Emergency "is the main risks that can be purchased separately.
Third, the hospital medical insurance, the vast majority of this product as an additional insurance companies are for sale. Because insurers think that this is not profitable products, must be bundled in other profitable products. Select hospital medical insurance, mainly to see:
* The proportion of hospital reimbursement, is not a deductible? What is the maximum reimbursement?
* How long observation period? (Some 30 days, some 90 days, or even 180 days, the shorter the better)
᾿The re-hospitalization how to deal with? Like a sick patient, the insurance company will ensure that renewal?
* Price?
Many insurance contracts have a "request at any time after underwriting fees, or refused insurance coverage" provision. A healthy policyholders, continuous paid premiums for 10 years, the first 11 years, was hospitalized because of an illness, insurance companies usually lose, but in the first 12 years, are likely to require a fee or refused insurance coverage, which is very unfair. There's more stringent, expressly provides that: the same disease the following year must be the exception. Encounter such a clause, we must be careful. If a product "guaranteed renewal" clause, it is mind for the client, it is recommended further consideration.
Fourth, hospital subsidies, insurance, hospitalization subsidies is in the insured hospital, the insurance company will provide subsidies for the insured, generally 50 -300 yuan / day of different grades to choose from. Hospitalization subsidies need to be examined:
* Every time need for hospitalization minus the deductible period of a few days? (Some 3 days, some 7 days, of course, the shorter the better)
* Up to lose a few days a year? (Either 365 days, some only 90 days in the middle of very different)
Is a guaranteed renewal provisions?
* Observation period for the first time the disease? (Some 30 days, some 90 days, or even 180 days, the shorter the better)
* Price? (Price comparisons should give full consideration to the above factors, not simply comparative figures)
I chose the Taikang Life's "Century Taikang individual hospital medical insurance (grant type)" This is a small number of "guaranteed renewal" clause written in the contract products. If the insured is not three years before the hospital, then after three years can apply for "guaranteed renewal", if approved, the insurance company will not increase fees, no exclusions. Then you later repeated the same disease was hospitalized because there are security, 365 days a year living in the hospital does not matter. Hence, even though a little expensive, I finally chose it.
Fifth, the major diseases of major diseases, risk insurance is the most complex and most expensive kind. I personally feel that consideration of major diseases, the most important risk factors include:
* Fees and payment methods;
The current risk of major diseases are generally in accordance with 3-5% annual interest rate to calculate, that is, if the money in their own hands, as long as in accordance with 3-5% annual interest rate to increase, then you should choose life Contributions a long way, rather than a one-time payment. In addition, once the diagnosis of major diseases, will be insured immediately, and the remaining years of premium natural immunity, from this perspective, but also choose a longer length of the insurance would be more cost-effective.
* Protection of life guaranteed lifetime of products and regular products. Protect the life of the product on the market are mostly on a regular basis to protect the 55,60-year-old product is relatively small, there is a one-year paid by a major disease risk. If you own investment management capability more confidence, you can choose regular products (such as the protection of 20 years), because you buy a lifetime product with the difference between the savings to invest in 20 years will have more than the current sum insured high money, than all the money to the insurance company even more.
* Type of disease protection on the market of major diseases can be broadly classified into two categories, one is to protect the 10 or so common major diseases, it is relatively old product, the cost is relatively low; and those likely to protect more than 25 diseases ( Some 40 species, including some very rare disease), the cost is higher; every person according to their own fear of disease and cost of affordability options.
᾿The definition of each major diseases, many people choose a time when critical-illness insurance will be more concerned about the protection of the number of kinds of diseases, do not care about the definition of specific diseases. In fact, look carefully at the terms before insurance is very important. Such as major diseases, including a "cancer", but not all belong to the scope of protection of all malignant tumors, carcinoma in situ, skin cancer, non-life-threatening cancer, are not insured.
* To protect the interests of some products are eligible for compensation if the conditions for the payment of the insured amount, but also some products was confirmed only to 80%, 50% of the cost, the remaining money, death, suffering from other serious diseases, when it is to Obviously we should choose the former.
Illness and death of the observation period * How long? How about if the illness observed during the period?
Of different products is not the same observation period, there are 90 days, 180 days, of course, the shorter the better, in the observation period the event of a major illness or death, not the same as the provisions of different products, some more stringent, only back premiums, and some will, 10% of the sum insured to cover a.
Finally, I chose the regular major diseases Haier New York Life Insurance, from the 30-year-old to 55 years to protect the death rate and high residual and 30 major diseases, including: acute myocardial infarction, coronary artery bypass surgery, cancer, stroke, chronic renal failure, paralysis, major organ transplant surgery, blindness, coma, severe burns, Alzheimer's disease or Alzheimer's disease, aplastic anemia, aortic surgery, bacterial meningitis, benign brain tumors, hearing loss, encephalitis, fulminant hepatitis, chronic liver failure, chronic lung disease, motor neurone disease, multiple sclerosis, Parkinson's disease, polio, primary arterial hypertension, aphasia, caused by AIDS through blood transfusion, heart valve surgery, muscular dystrophy, limb deficiencies.
After the 55-year-old how to do? From now on I plan to set up a special fund to invest in risk-free long-term government bonds, an annual fixed-Cun 1 million to the interest rate of 5% years, 25 years later, to 56 years old will have a 500,000 yuan. The money is used to protect our family's health after age 55, if there is no health problems, the money can be transferred into our pension funds. In this way, when I was younger, I passed a certain degree of insurance, investment plans, for their own financial freedom to build a healthy life.
