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Data:2009-12-12 2:34
Buy insurance is not better, This is so for two reasons: first, that some insurance does not duplicate claims; the other to buy too much insurance, flexible and disposable money left over is reduced.
Take the medical expenses insurance, it is based on the actual occurrence of medical expenses, by virtue of the invoice to the insurance company claims. If the purchase of two medical expenses insurance, in accordance with insurance requirements, claims in an insurance company to obtain payment, the actual medical expenses have already been compensated, it can not then another insurance company, claims the.
To buy too much insurance, flexible control of the money left over is reduced. For example, income of 5,000 yuan a month families are concerned, 2,000 yuan monthly mortgage, monthly expenditure of 1,000 yuan insurance premium, together with the family expenses, life would become rigid. If you'd like to return some of the insurance, but also bear no small economic loss.
Therefore, the insured must give himself time to leave more room. To think that once their income has decreased, it is difficult to continue to pay high insurance premiums, then losses would be incurred if the surrender, but also loss of security, not surrender it difficult to maintain, will be placed in a dilemma or embarrassing situations. Thus, rational consumers, should be based on their age, occupation, income and other practical situation, whatever to the appropriate insurance. Experts suggest the cost of insuring their income accounted for 8% -15% is appropriate. Yiwei
