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Data:2009-12-12 2:34
Mr. Hsu grew up in the South after graduating from college assigned to Shanghai a large state-owned enterprises to engage in technical work; Miss Zhu is out and out from the north, in the South after college, returned to his hometown, in a secondary school teaching profession. 7 years of off-site falling in love, so that they fully understood the true meaning of love and also feel more of them bitter and hard. Late last year, Miss Zhu quit her job and came to his hometown of Shanghai, and love over the years they finally ended the marathon long-distance love, hand in hand into the wedding hall. Now, the happy newlywed family also entered a piece of good news, Mr Hui and Miss Zhu to "upgrade" when the father and mother had. Has come to be immersed in the thirties of their father the joy of motherhood.
Excitedly, Mr Hui and Ms Chu felt shoulder the heavy responsibilities and the consequent economic pressure is very high. Mr Hui income from work at the state-owned enterprises is relatively stable, monthly salary of 5,000 yuan; Miss Zhu in Shanghai at the Zhangjiang Software Park, after finding a software sales job, monthly salary structure is a basic salary of 1,000 yuan plus commission, the average monthly salary of 3,000 yuan . Both husband and wife in Shanghai, has just purchased a set worth 25 million yuan a room-family homes, the monthly repayment of about 1,500 yuan. Renovated house, purchase furniture to buy home appliances and daily necessities, the two hands of the savings depleted. Now get rid of a monthly income of 1,500 yuan in loan repayment and daily, after spending 1,500 yuan, and nearly 5,000 of the surplus, but Miss Zhu in babies before and after a few months will not be able to go out sales, the monthly income will be maintained In the basic salary level of 1,000 yuan, so that the balance will be 3,000 yuan a month or so, but does not include the arrival of a baby due to increased costs.
On Xu's family financial situation, the couple just married, just bought a house there is no end savings is not too much residual monthly income. Mr Hui a proposal to purchase the appropriate amount of insurance, use of insurance "largely rebutted" function, to provide protection for the whole family, without bringing their families too much economic pressure. The future, as giving birth to a baby, the family spending will increase, and can not pay the excessive premiums affect the normal household consumption, so Xu's family insurance plan should be targeted, realistic. Mr. Hui insurance for the design of programs should focus on high accident insurance protection for the Miss Zhu insurance cover design should focus on maternal and child during pregnancy and newborn protection insurance protection.
Xu's accident insurance to protect
Although Mr Hui income of 5,000 yuan per month is very stable, but the job characteristics to determine their little rich-quick opportunities. At present, Mr Hui and Miss Zhu is also a monthly get rid of mortgage debt this large expenditure, as well as everyday expenses, the moment there is a little balance, with the accession of new members, the family some of the economic structure of expenditures will also change . Mr Hui and Miss Zhu had been two in the world, about 1,500 yuan a month of daily expenses considered to be fairly frugal, basically there is not much to save space, while the wife is pregnant after the examination costs, nursed back to health costs, a small baby born After raising costs were not a small sum of expenditure. They just start a family soon after grounding thin, even if it has accumulated only a few months to cope with some of the time of Miss Zhu childbirth expenses, and for the whole family may face the risk is not that preventive measures. Mr. Hui is the family breadwinner in case of accidents, small families will be missing a major source of income, Miss Zhu's income of 1,000 yuan simply can not afford to raise children, and no capacity to repay the mortgage, not to mention other emergency expenses, and So, to Mr. Hui to buy in full, the full range of accident, sickness, old-age insurance is necessary, but now the family's economic conditions are not so well-off, it is imperative allowed to have a high accident insurance to protect the insured amount. Mr. Hsu, taking into account mortgage costs, the recent cost of living for his wife and children, he should at least have a 300 thousand yuan for accident insurance to protect the insured amount. The accident insurance on the market today class is complete, Mr Hui choice set death, disability and accident medical insurance in an accident insurance package, the annual premium of about 1,000 yuan.
Miss Zhu protection of maternal and child insurance
As a mother of Miss Zhu has just two and a half months pregnant, 30-year-old babies can be considered to older mothers, and in order to protect themselves and their unborn baby's health, Miss Zhu should be considered for their own insurance to buy a specific mother and child. It is specifically for pregnant women and the soon-born baby is designed to cover a pregnant woman's pregnancy sickness, maternity, and accidental deaths, fetal and neonatal death, neonatal congenital diseases and other support. Now there are basically two kinds of maternal and child insurance products, one is to protect pregnant women from the issuance of the policy to the hospital after childbirth until the short-term insurance; the other is to protect the baby from the issuance of the policy to the long-term insurance up to 5 years of age, it is recommended Ms. Zhu for their own and the baby choose the insured amount of 100,000 yuan long-term maternal and child insurance, a one-time payment of around 2,500 yuan.
Of course, with the gradual improvement in economic conditions, Mr Hui family security should also be gradually improved, for example, Mr Hui and Miss Zhu disease in medical care and old-age security, children's education fund, the disabled and the protection of major diseases.
