|
|||||||||||||||
|
||||||||||||||||||
Data:2009-12-12 2:34
Taiwanese director Sylvia Chang in self-directed and played the "203.04 thousand" were expressed: 20-year-old woman have a lot of time to do unrealistic dreams, 40-year-old woman is mostly all accept their fate, and the contradiction is 30 years old. 30-year-old woman have to do a lot of decisions, such as deciding what toothpaste every morning and live what kind of house, to determine their own pace of life, what kind of boyfriend to pay ... ...
Although the classification may not be complete, but also appropriately expressed needs of women in different age stages. Today's insurance point of view also will be based on women's age, occupation, and everyone concerned about the women's insurance.
At present, China's women's insurance market, there are two kinds of life insurance and health insurance, life insurance products, its main insurance benefits which are often covered by health and death such as security, and basically have a regular cash back feature. Health insurance products is a pure protection of pure consumer products, as opposed to life insurance products, no cash refund feature, but more inclined to protect the death and disease.
20-year-old: Social rookie attention Han society these newcomers, the principles of a variety of consumer best defined as "spending is not high, not low taste," Do not over-emphasize a variety of living without the non-silk clothing and Yu Shi did not take, nor do not blindly worship of brand names.
Newcomers into the workplace just because of the social characteristics of its own, in the financial aspects and the work of a few years, the small white-collar workers have savings should be treated differently. Its characteristics are:
1, input produced the largest travel: From the economic level analysis, for the community is new, after 16 years in front of the learning process, the cumulative cost of education and the corresponding cost of living has reached the maximum, while the returns to education is zero, is put into production out the difference between the maximum period of time.
Second, there is no completely independent capacity to respond: economic revenue will gradually increase, but the whole is still relatively low, it is difficult to overcome some of the economic independence of a larger impact. Although the time being independent, but also need more or less economically dependent on their parents.
Third, instability: first entered the workplace, the first time to meet the demands and challenges of society will inevitably lead to this kind of career are not indications, social and rookie of the turnover rate increased year by year is also reflected in their work environment and the economic income is not very stable.
3,000 yuan monthly salary of around 22-year-old women, Angela, for example, planners designed the following program of the Hungarian Church, for reference:
30 years of age: prospective mothers insurance topics and many lovers, like, 29-year-old Miss Jane and 32-year-old Mr. Wang has selected the Spring Festival hall to get married. They plan to celebrate a good year, two of the world, while good cause, living arrangements and preparations for the winter beginning in 2006, wanting a child, in 2007 entered the three happy homes.
The saying goes, a woman needs care in preparation for when the mother's greater need for care of a woman. In addition to the daily responsibilities and care, the insurance, financial consultant concluded that Miss Jane need to purchase insurance, the third is this: women's gynecological health insurance and maternity insurance, pregnancy safer.
And men different from women to bear offspring, have children's social duties and family responsibilities, so women of childbearing age in the physiological and psychological aspects, there is big different characteristics and ordinary people.
With the Hong Kong film star Anita Mui's Xie, gynecological diseases, the impact of normal life for women becomes more widely known. Whether it is during pregnancy, childbirth, the occasion, or in the future course of the long-term parenting, women will face a number of gynecological diseases and cancer, the interference of women, affecting their normal life, and even a threat to their beautiful life.
So, on the one hand is to strengthen the body's exercise, regular check-ups in order to effectively prevent early detection of active treatment. Develop a good living, work habits, know how to make a living, pay attention to quality and attention to the health of new and modern women; On the other hand need to strengthen the economic level of insurance protection, emergency gold reserves. Allow themselves to become responsible, loving, strong intelligent woman, so as to achieve the body to prevent and material preparations Liangbu Wu.
40-year-old: women, career women entered the insurance smart 40-year-old girl gradually away from the romantic period, also gradually began to affordable smart lifestyle changes. Some professional women, not only in the time to buy insurance, shop around, but also already has a mature ability to judge: to know what you really need insurance.
Miss Fang is a professional actuary, a focus on quality of life of people, because under the old and small, all aspects need to costs, and so economic tension, and finally gives the premium budget of less than 200 yuan a month!
Common women's risk thermal paste issue Reply guests: Tang Xuefeng (AIA financial advisors, professional distribution network 594108.com) Q & A:
Q: In some women, the insurance contract, for a description of the disease are very serious, if the health of these gynecological problems, money, what for?
A: First, although every gynecological diseases are painful to our female friends, but they are not necessarily terminally ill, meaning that a lot of gynecological diseases, and as soon as timely and effective treatment to be often, or they can be eradication and control in the primary stage.
Secondly, precisely because the insurance contract the disease do need clear standards for the description and definition, it is quite clear, of course, precisely because the probability of occurrence of these risks are relatively low, so it has the value of commercial insurance and significance, if it is 100% likelihood of illness, then this would not be so sure that the price of the insurance benefits of the. Even if the accident was found in gynecological diseases are incurable late or even terminal illness, and insurance claims brought by the family some financial relief money will.
Q: Obstetrics and Gynecology Modern technology has a very sophisticated, not the General Assembly took place during pregnancy, childbirth insurance, accident insurance still make sense to buy a maternity Mody?
A: The insurance as a means of risk-averse and business methods from an economic perspective to us to ensure that the case of illness occurred after the accident insurance, the economic dimensions of compensation.
Therefore, the insurance system is not a good way to avoid risks, it is impossible to influence the probability of occurrence of these risks, as well as how much there is. The probability of any one of the risk of only 0.1% of the accidents, for a specific individual, only two results, either 0% or 100%, so we only have to actively do the pre-economic defense, be able to calmly face of the disease brought about by the economic blow.
Q: housewives less activity, it seems there is no need to buy accident insurance and medical insurance?
A: First, a housewife, although the scope of activities is relatively fixed, and do not require excessive hard work, but she is also the risk of probability of occurrence also exists, and sometimes even higher than the back-office staff to a high degree of risk, which is from the insurance the company out of the back-office personnel, rates higher than the company point of view can be seen.
Second, in our social health insurance system, the housewives in this class are often not included in the scope of social security, therefore, a stable source of income in relation to career women, the medical aspects of the disease, the family of women alone bear the economic the pressure will be greater and so more need to buy health care insurance.
Q: What is life insurance professional women noteworthy place?
A: First, let us from the physical point of view full consideration, because from a scientific statistical law, women's life expectancy is usually longer than men 5 to 7 years, and in the marriage process, more often than Mr. Mrs. 2 ~ 3 years old, means average, each woman will be in his last 8 ~ 9 years spent alone, and in this period, they are basically at the non-income state, in this period of economic costs is the female friends need to be considered very important issue.
Secondly, in order to ensure the quality of life before and after retirement does not appear too much contrast. As professional women's steady income, will give them hours of work to bring to ensure the quality of life, but once retired and if just dependent on the amount given to the social old-age insurance, will give the quality of life after retirement, a tremendous influence and decrease, so there must be a young man from a stable income in the out part of the retirement pension for the future ready.
Thirdly, the need for a comprehensive consideration and arrangements for the family insurance coverage in order as far as possible to put her husband's insurance arrangements, at least can not be later than its own insurance, the specific amount of insurance required under the income of both spouses to determine. Because many cases, the husband is often the backbone and the backbone of the family, so be sure to give the gentlemen prepare protective film.
