Freelance Insurance Selection Insurance Tips

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

Did not participate in social insurance and individual freelancers economic operators who face the same illness, accidental injury and old-age risks. For them, first go to social security is a priority, then according to their economic capacity and risk tolerance, purchase an appropriate amount of medical expenses insurance, accident insurance and old-age insurance, as soon as possible to make their own insurance.

This year has been more than 40 of Mr. Liu and his wife opened their own shop two, they had never participated in social insurance, unlike ordinary wage-earners have social pension insurance and social health insurance. However, inevitably people always sick, growing old, Mrs. Liu had worked with recently obtained from a commercial insurance pays for selling points.

Mrs. Liu is a good idea. And as they have such a situation, and have social health care, pension insurance, insurance groups, considering the focus is different. But first give them an idea: go to the street or district of residence, Social Security Center on the social old-age insurance and medical insurance. After all, the social insurance more favorable than commercial insurance.

Social insurance is the best way to do first
"No unit hang *, but there are legitimate economic income of freelancers as long as the" Labor Handbook ", you can work the streets since the service center, according to an individual's contribution to 30.5% of their monthly base pay social endowment insurance. Individual economic agents With business executive to the area where the Social Security Center. back, pension recipients and the general method of calculating the same workers. "Kang said the staff of the street.

The reporters also learned that the base fee by their own decisions, as low as the previous year, the city's average monthly income of workers, the maximum does not exceed the previous year, the city's average monthly salary of 300%. For example custom base pay set at 2,000 yuan, then the monthly pay social insurance premiums from 610 RMB. Individuals pay social security institutions will base 11% of the old-age insurance accounts for its establishment.

On the other hand, these two types of people also need to pay the social health insurance. If it is only responsible for hospitalization costs to participate in the social health insurance contribution rate of 8% above the base; If you want to participate in outpatient and emergency costs include insurance, social health insurance contribution rate of 14%. The ratio of 8% paid insurance premiums, are not set up personal medical accounts, but serious illness, hospitalization and other expenses to participate in social health insurance reimbursement and other ordinary workers are treated equally.

"To be honest, freelancers are not particularly necessary to insure the cost of medical insurance including emergency doors, because the proportion of poor than more, is not very cost-effective." Shanghai Center, a business social security chief told the mind.

The most pressing medical expenses insurance,
Medical expenses-type insurance means an insurance company in the ratio specified in the contract (usually 50% ~ 80%), according to the insured health care costs in the total amount of receipts to be paid, equivalent to insurance companies to help the insured to share a part of medical expenses expenditures.

For people with social health insurance, their hospital costs of illness can be the actual costs incurred by virtue of an invoice to the community as part of health insurance reimbursement, but the commercial medical and hospitalization insurance payment based on invoices received must be achieved, and sometimes the two would be The conflict or overlap. Would suggest that they give priority to the general medical subsidy-based insurance, rather than the medical expenses kind of insurance premiums in order to reduce unnecessary costs.

But Mr. Liu and his wife were kind people without health insurance, as long as go to the hospital, whether it is the door or the hospital emergency department is 100% at their own expense, and no one can do for them to share. Now the pressure of living and environmental pollution, serious, almost everyone in a "healthy" state, they are no exception. Get up early every day in business for themselves dark, they often have to go out purchase, and sometimes even "tired, get on the ground" and sick. And is now very high hospitalization costs, so they should first husband and wife to buy some type of insurance, hospital medical expenses, if we can add that the door type of emergency expense reimbursement insurance, the more complete of the.

However, once the door is a fire emergency cost of insurance products due to operational risk is too high has basically been sold, is now generally only group medical insurance with out-patient cost of insurance before. Jinsheng, etc. currently on the market only 23 insurance companies are still selling this additional insurance for individuals. It is worth recalling that, due to the total amount paid each year and only a thousand or so more expensive premiums, if Mr. Liu as "minor defects not to the hospital," the men, then there is no need to buy such insurance,. While women usually pay more attention to their own health, go to the hospital to see a higher frequency of out-patient clinics, so Mrs. Liu is best to buy copies of such insurance.

Accident insurance is a necessity
Accidental death or disability, loss of energy, although we are not willing to run into things, but who also can not guarantee that will not happen to themselves and their families alike.

Taking into account the whole family's income is in accordance with * the couple who have business income, and Mr. Liu also often went to the field usually purchase which makes the chances of accidents increase in risk, it is proposed should be conveyed to his wife, Mr. Liu to buy the full complement of accidental injury insurance, in order to protect the unfortunate incidents that may occur to protect the amount of the annual income from the business for more than 5 times is better. Mrs. Liu, Ze Yi Kandian home-based, risk more, buy accident insurance protection limit when you can choose less.

At the same time, accidents can sometimes lead to production of medical expenses, so when you buy accident insurance can be considered primary insurance with a number of accident medical insurance.

Old-age insurance is not required
Businessman old thinking earned money to re-enter into the reproduction in order to expand the scale to make more profits. Do business, Mrs. Liu, 10 years, now finally figured out was the usual left earns some, prepare the future "do not move" time.

Old-age insurance currently on the market in general is the form of annuity, life and death belong to a kind of co-existence of insurance, meaning that during the period of insurance, whether death or survival, can receive insurance benefits. Meanwhile, the insured and the insurance company can agree on when to start back to this, as well as at different stages of the return to this level.

In fact, a number of industry have with the press that "the best time to buy old-age insurance is 18 years of age or 20 years ago, because the old-age insurance saving nature of the product itself is very strong, and adults increased with age, the class premium rate will rise very quickly. "But for Mr. Liu and his wife such a middle-aged man who has been at this age on, and if there is a demand in this respect, we can only protect the interest from a number of carefully selected high of the product.

Should be noted that the financial arrangements for the family have the capacity and skills of the people, not necessarily to buy commercial pension insurance. Because such insurance is a "regular life insurance + savings / investment back to the present," while life insurance premiums on a regular basis is very low. End of life insurance can be bought on a regular basis, and then make their own investment approach to pension reserves.

In addition, select old-age insurance product is best to buy dividend-oriented. Although the poor performance of dividend income insurance, or even can be said that very ideal, but in the current "negative interest rate era of" buy this type of savings-type insurance, with a dividend of inflation on the part of insurance can resist the erosion of the value of insurance premiums, If the market interest rates after higher, dividend income will increase some.

To give priority to his wife's re-disease risk
In addition to these three types of commercial insurance, Mr. Liu and his wife can also be according to their economic capacity, in their own home insurance portfolio of major diseases to add insurance and health insurance subsidies for classes.

Mr. Liu and his wife are the mainstay of the family, the two have been a puzzled year, excessive stress is very easy for health damage, but also increases with age, the possibility of physical illness have increased, the two were to buy a major disease risk also could be considered. Currently on the market have a special "male re-disease risk" and "female re-disease risk," they both have the discretion to buy, which give priority to the health needs of Mrs. Liu.

"Because of environmental degradation and health pressures increase, many modern women suffer 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, the women's medical expenses, much higher than men, so women should pay more attention to health and medical insurance. "This is the last interview with an insurance company's product manager's recommendations. Mrs. Liu is right, as one has been more than 40-year-old female, breast, ovary and uterus diseases and other special physical parts can not defense, so it can consider yourself to buy a women's risk of major diseases.

Medical insurance subsidy to supplement
Accident or illness caused by hospitalization, may make Mr. Liu and his wife's shop no one care, both the income to a halt. Thus, subsidies may be appropriate to buy some type of medical insurance as a supplement to make up for revenue losses.

Medical insurance is a kind of subsidy-subsidy for non-reimbursable-type insurance, as long as the time of purchase agreements to the hospital daily the amount of subsidies, once the patient can be an insurance company to obtain the payment of subsidies. Can be attached in a variety of insurance after the primary, but also can be purchased separately as the main risk. One-year period, but also for life, for the middle-aged people like Mr. Liu and his wife, the purchase is better for life, because it does not exist when the expiry of renewal refused insurance because of health reasons problem.