Gnaw buying insurance deal with mid-life crisis Insurance Tips

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

Morning News recently well-known performers of high Xiumin, Fu Biao died of illness after another, allowing middle-aged people's health problems are cause for concern. Insurance, financial experts Weapon, you can focus on purchase of critical-illness insurance and accident insurance, and the sooner the better buy, once got seriously ill, not only to reduce the burden of medical expenses, if the contingency can also have some money left to his family.

The incidence of major diseases younger

It is understood that, due to air pollution, diet changes and other reasons, the incidence of major diseases showing a trend of younger in recent years, the cancer incidence rate increased by 69%, the mortality rate increased by 29.4%. Every year the number of cancer cases in 1.6 million deaths of about 1.3 million. Every death of five patients, there is one person died of cancer. Attendant medical expenses is a huge expenditure, the current cost of treatment of major diseases is very striking (see next table): Cancer treatment costs: 100.03 thousand million; myocardial infarction in the early detection of treatment: 5 million; vascular re-pass surgery : 10 million; stroke sequelae: 80010 million; bone marrow transplantation: a 10,000 yuan chemotherapy, surgery costs 8 million; chronic renal failure: dialysis 400 yuan times, 12 times week, a kidney transplant 150.03 thousand million; Aortic Surgery: 8 million; coronary artery bypass graft surgery: a Bridge 5 million, two bridges 100,000 yuan; outbreak of hepatitis: 6 million; paralysis: treatment costs, hospital fees, nursing care, with an average 500 yuan days; severe burns: 10 Wan 200 thousand yuan.

Fu Biao, according to a close with an entertainment industry source, Fu Biao became ill, the two liver transplant medical expenses of 100 million yuan. This financial experts believe that whether you are a high income or high income people to buy insurance, after all, a good safeguard for them.

Middle-aged people to buy insurance, there are tricks

Liu teacher said: unemployment, wage reductions, the cause of the crisis and spiritual crisis is the middle-aged faces four major problems. Statistics show: middle-aged people in the organization most likely to become an embarrassing figure. Most of the organizations are pyramid-shaped, and the more bottom-up out of the more severe; when the storm tide of unemployment, the Organization of the middle ranks of the middle-aged forty to fifty years of age are most vulnerable to attack.

Well, this part of the people how to buy insurance? The first is to buy re-disease risk, the costs of treating major diseases of adult varies from Qiba Wan yuan, as many as ten million or even higher, so the need based on their economic situation, the unit benefits (ie social unit employees to purchase health insurance and commercial insurance) and how much to buy another 100,000 yuan to 30 yuan diseases are the sum insured. Less than 10 million security function too weak, while more than 30 million yuan to the general public is not too necessary. Of course, the insured also need to be purchased from time to time examine their own policies. And the sooner the better buy, relatively speaking, cheap.

In addition to disease risk re-matched with the amount of allowance outside of the hospital short-term insurance, as long as a year to spend three or four hundred yuan will be able to be subsidized when they are hospitalized. If it is the backbone of the home, the best buy accident insurance, the insurance death classes, after death, paid the money can be left to his family. This kind of risk are generally two kinds of principal repayments and not principal payments, with scheduled principal repayments based interest rates, the relative price of more expensive, the insured can choose 55-year-old began collecting at age 70; payback type of insurance is not inexpensive, optional Security lines high. Also, if economic conditions permit, you can then buy insurance investment classes, such as universal insurance, both investment and protective.