Although teachers enjoy national social security benefits, they also need reasonable commercial insurance to protect and supplement their lives.
So what insurance should teachers pay attention to?
1. Accident insurance
No matter what kind of occupation or crowd, an accidental injury insurance is essential. The same is true of the profession of teachers, which is quite special. They usually go out early and come back late, which is inevitable in the peak period of the city. Therefore, accidental traffic injuries are still very important for teachers, not only to be guaranteed, but also to make themselves more at ease. In addition, during the summer vacation, teachers often take their children out to travel and increase their knowledge, and this accident insurance can strengthen their own safety and make their play more secure. In addition to accident insurance, teachers can also add an accident medical insurance for themselves. In case of an accident, there is still medical insurance money in place.
2. Hospitalization medical insurance
For the profession of teachers, they will get national medical insurance and can get a good guarantee. Once an accident requires hospitalization, everyone can get good care. However, it has to be mentioned that teachers can get a certain subsidy every day after purchasing the hospitalization subsidy in the current hospitalization medical insurance, which makes the whole insurance play a very good supplementary role on the basis of medical insurance and makes up for the shortage of reimbursement in medical insurance. This is a good guarantee.
3. critical illness insurance
Major diseases and cancer are the killers of teachers, and occupational diseases are inevitable for teachers. Standing and writing on the blackboard for a long time is the cause of teachers' occupational diseases. Maybe the teacher didn't feel particularly big when he was young, but with the increase of age, the troubles of the disease will gradually appear and the symptoms will become more and more obvious.
Therefore, it is more important to buy critical illness insurance as soon as possible without physical examination. Because the current critical illness insurance basically covers the major diseases that are common now, and some insurances also have special protection contents. For teachers and other occupations with frequent occupational diseases, the protection of a critical illness insurance is particularly intimate. The specific amount of insurance purchased by teachers can be controlled at about 65438+ 10,000 ~150,000 yuan. Of course, teachers can appropriately raise and control the premium according to their own income.