|
|||||||||||||||
|
||||||||||||||||||
Data:2009-12-12 2:34
Family insurance new ideas almost certain: As long as the purchase of a family of a primary insurance, all family members can be chosen at random need additional insurance, can be described as "one person, insurance, family benefits,"
Editor's Note: Nowadays, insurance companies, insurance introduced dazzling array of products so that consumers do not know how to choose, How can we do to spend less money to get a protection for themselves and their families? For family members to purchase insurance, the reasonable with the relevant insurance? In this context, "family insurance packages," in contrast, it breaks through the traditional life insurance in order to "personal" as the insured units of the traditional model, in order to insure the entire family unit, tailored to the family protection scheme.
Money How much money to buy insurance, to remind the insurance for a family is essential. The role of insurance is to determine the uncertainty of the large losses into small expenditure, thereby reducing accidents due to other changes in the family suffered significant risk of loss.
Family of funds generally use the 4321 family financial management rules, that is, 40% of income for housing and other investments for 30% of the general living expenses for the family, 20% for bank deposits to meet the emergency needs, 10 % insurance.
According to the level of Western developed countries, insurance and spending usually accounts for 30% of the total annual income of about, according to China's national conditions, experts recommend spending accounts for insurance policyholders total revenue 10% to 20% of the total amount of insurance is the annual income of 5 to 10 times is appropriate.
Of course, buying insurance is not necessarily in one step, if they feel too much pressure on premium expenditures can be the first to buy the most needed insurance at a later graded to buy. Insurance needs should be met depends on the individual circumstances of the case, buying insurance should not affect the case of the family living expenses to buy.
The affordability of its own on the size of the premium with the insurance needs of the closely linked. In considering the size of insurance protection needs should first clear understanding of their "role" --- you are in the family's position, responsibilities, role and economic contribution? And then estimate the risks you face the maximum possible cost of needs, such as medical expenses, pension costs, cost of living, children's education costs, are not due for the room for their cars, etc., and then subtracting the current social insurance can the amount provided (for example, units of insurance), as well as the amount he can take (such as savings, investment income, family contributions, etc.), which should be obtained to supplement the amount of commercial insurance.
Generally speaking, the above figures are estimated on the amount of insurance is a more feasible, in order to insure more adequate and objective will be given protection. Can also use the simplest method of calculation: The current annual income of 10 times the risk as their total amount.
To the family "pillar" buyers in the above mentioned insurance home insurance packages, we all focus on the family breadwinner to protect the object. Experts believe that if you buy home insurance packages, should be the main source of income for the family purchased the primary insurance.
But in the modern urban family, mostly parents, plus the one-child model, and many people were concerned about buying insurance for their children, it seems that life for the children to buy life insurance, it is considered safe for children to buy a. In fact, parents are the main creators of household wealth, once they have due to accident, disease, loss of working capacity, the reduction or loss of income, the family will be in trouble. Therefore, for parents to buy insurance in order to give children to learn, life in order to protect in order to give families a safe.
One among the, who most need insurance? Life insurance companies in Shanghai this reporter interviewed a number of actuaries, they believe, from whom most in need of insurance, this level, within their families, whom the worst working environment, he is most in need of insurance.
When a reporter asked, "Which one if the family does not work in the harsh environment, then what should the insured to whom", they replied, "If a family facing the environment is relatively safe and the risks that may occur is an accident, in the this case, the risk of accidents is appropriate to have some input. Therefore, a family to whom the insurance, the first consideration should be given the environment, and the second is the occupation, the third is to look at the physical condition of the family members. "
If a tailor-made three free combination of traditional life insurance are insured, if everyone in the family's insurance coverage and relatively wide, both security and maintenance of major diseases are old, a family of at least need to fill out several insurance policies? Furthermore, for each fill out a policy, we need to complete a health informed, personal information, etc., the same content repeatedly fill in, is complicated, and also need to be repetitive. Then, you will find there will be a big put down at home insurance policy, when the case Chuxian do not know when you will take applications for insurance claims which were. Therefore, policyholders need a faster, simpler way insured, both simplify the insurance process, but also the whole family can have a more comprehensive insurance cover.
Taikang Life "is about love of family" and the macro life, "family security" and Cathay Life Insurance policies are similar to the family in such a context, launched home insurance packages.
First introduced in 2002, "an insurance policy to preserve home" style "is about love of family's" family as a whole insurance, the insurance program has had two upgrades were canceled bundled insurance, and increase by the amount of cross-ching, the policy Loan and other projects. A week ago, Taikang Life officially launched its National Market synchronization scheme in the family's flagship product line, "Love at home about the" 2005 upgrade version, which marks the completion of Taikang home insurance from the "packages" to the "buffet" to " family insurance supermarket "the escalation of the evolution of the family needed support functions integrated into an insurance policy with less expenditure of the interests of greater protection.
Macro Life's "family security" is an additional risk, you can easily realize the whole family allowances and medical care in-patient compensation, more suitable for the lack of social security of people. A family as long as an adult bought the macro life, who can choose to purchase for the whole family, "family security" plus family health insurance. If any family member was hospitalized due to accident or illness, it would not only get the equivalent of 80% of the compensation for medical expenses may also be chosen by each member of the daily hospital cash benefit, described as "a person insured, the family benefit . " It is particularly worth mentioning is that when the primary insurance payment after the end of the insured can apply for the reservation "family insurance" to protect the interests of. However, the accident insurance and regular life insurance and other insurers are not allowed outside of the main members of the family to buy.
In both macro "family security" as an example, if a family member by Sanshierli year-old husband and wife and children under the age composition of the macro life insurance actuary is recommended for this combination: the main danger for the macro "relaxed security" dividend whole life protection plan 5 million in additional insurance for "family security" plus an integrated hospital medical insurance and an additional exemption from payment of the insurance.
By contrast, Cathay Life Insurance is a new company, so the company introduced the selectivity of the family insurance policy is relatively less, many types of insurance such as term insurance, consumer-oriented risk of major diseases has not yet developed, and the accident rate higher than low.
Insurance case the insured person: Mr. Zhang, 30-year-old cadres policy consists of: a main risks in the macro + "family security" plus an integrated inpatient medical insurance benefits choices: Mr. Zhang, a 3 (I, 28-year-old wife and 2-year-old The youngest daughter) at the same time to participate in "family security."
Mr. Zhang options: daily hospital cash subsidy of 100 yuan, the same patient the maximum compensation the accident to 3,000 yuan.
Mr. Zhang, for his wife choice: a daily hospital cash benefit is 50 yuan, the same patient the maximum compensation 2,000 yuan accident.
Mr. Zhang, for their daughter's choice: a daily hospital cash benefit is 25 yuan, the same patient the maximum compensation 2,000 yuan accident. "Family insurance" benefit payments:
When any one family member was hospitalized because of illness or accident, are available:
The choice of a daily hospital cash benefit; deduction of social insurance and other compensation, paid medical expenses of 80%. Special Services:
When Mr. Zhang's main insurance payment expires, if Mr. Zhang, his wife and daughter under the age of 65 years of age any one also, just submit an application to the macro insurance, you can choose to keep the insured person's "family protection "protection, until he (she) has reached 65 years of age.
Mr. Zhang's "family insurance" Additional amount of insurance premiums: 543 yuan / year
Humanized upgrade feature introduced in the above three life insurance companies home insurance packages, the Taikang Life's "Love's about family" has for the third time to upgrade. The reporter learned from Taikang Life understand that in the latest release of the 2005 version of "Love family's request", with the family security needs change, customers can save by improving the service of an insurance policy to do to upgrade the policy to achieve additional insurance, insurance amount and the insured, without the addition of new insurance policy.
In the "Love family of about (2005)", in addition to reservations "an insurance policy to preserve home" convenience and flexibility characteristics, the Chinese middle-income families through the development of the analysis of security needs, Taikang Life insurance is also adding new to expand the payment terms are to make improvements. It is learned that the insurance is set, the "loving family of about (2005)," increase the high-protection life insurance "Changle Century (2003)", features health insurance, "women's health series", so that this comprehensive home insurance insurance expansion to 19, cover old-age pension, finance, health, medical care, accidental injury, exemption premiums, life support, child education, women's health, nine in security, and customers are free to choose coverage.
Second, the upgrade is more flexible insurance product, consumers can choose 10, 15, 20, 25 or 30 years, a variety of payment period. Arbitrarily select a different insurance insurance scheme to develop their own favorite, combining more flexible and easier to adapt to different families individual needs of insurance.
"Love family of about (2005)," user-friendly features is also reflected in its premium immunity functions. If the family breadwinner when misfortune led to disability or death, you can be exempted from the insurance policies of family members of long-term insurance premiums, and insurance benefits continue to be valid. This reflects the fundamental role of financial compensation insurance.
And after the expiration of the primary insurance payment, additional insurance can be renewable up to a maximum age, such as "add-accidental injuries", "Additional significant disease" can be renewed to 69 years of age. And each of the "loving family of about (2005)," customers will receive a complimentary Taikang Life Life "pay special attention in advance," reflects human caring.
As China's middle class is aimed at increasing family incomes, people's demand for family security to a higher level, as Shehuizhongjian the middle class and the rapid rise of the importance of family, but also allow insurance companies more and more attention to the middle class families to protect, many middle class of insurance awareness has been greatly improved.
The rapid development of the middle class and the family emphasis on people's consumption concept and consumption structure had a tremendous impact, pension insurance, medical insurance, accident insurance, women's insurance, children's insurance, travel insurance and other insurance products are covered by each family of all security needs of members. In terms of the insurance business, the changes in consumer trends is a new opportunity to push their products, pushing "family concept" has become the preferred strategy of many insurance firms, middle-class to become the insurance company locked the object.
Director of Development and Reform CIRC spokesman Yuan Li and that a community wants to achieve harmony, we must first solve the basic cell --- it is the protection of the family. The planned economy era national co-ordination of family behavior, the market economy are gradually being replaced by the era of the new features. Society is changing, new demands made on the insurance. The insurance industry if they can seize the market opportunities right now a large number of emerging middle class, in-depth excavation, then the market is incredibly diverse. It is in this context, insurance companies, aimed at the formal launch of this part of the crowd home insurance packages.
It is reported that BNP Paribas Peregrine company had to bring China's middle class is defined as per capita income of 23000-30000 yuan, annual household income 75000-100000 yuan, higher education, participation in corporate decision-making and management, and engaged in mental labor professional and technical personnel and white-collar workers. Currently meet these criteria the number of China's total population ratio is about 13.5%. According to the company's estimated that in 2002 China to reach middle-income class standard for the 50 million households, the average household income of 7.5 million, the average household owns 31 million of assets. By 2010, the above figures are to double. By then, China's middle-income class to reach the standard total number of households will reach 100 million, average household income 15 million yuan, 620,000 yuan per household assets. 100 million middle-class family means a huge potential consumer market.
City National Bureau of Statistics surveys from the total number of captain Wong Long Hui of China on the rise of the middle class was confirmed. "National Bureau of Statistics Urban Survey Corps in 2004, launch of the" middle-income groups in a sample survey "also confirmed that Chinese middle-income class household income in general 60000-500000 yuan between the number of terms of population growth in recent years, at an alarming rate. "
