Today, we will tell you how low-income families can spend less money through insurance and get good protection.
First, the risks faced by low-income families.
1, low-and middle-income families have poor ability to resist risks.
The same disease, the doctor said that it can be cured, but it costs 300,000 yuan. For the rich, "this is nothing"! But what about people with poor families? "Where can I get more money?"
The same accident is unfortunately disabled. For the rich, "business is running as usual, and what you earn is still earning. At most, it is inconvenient to move"! But what about those who have to go to work to get paid? "Don't mention making money to support your family, you are a burden!" !
Similarly, unfortunately leaving, for the families of the rich, "people are gone, but a solid home is there, and you don't have to worry about eating or drinking"! But what about families with poor families? "The sky is falling! A family that lives on him is even worse. "
2. Low-and middle-income families are more prone to "one person is sick and the whole family is poor"
Many times, low-and middle-income families are generally single economic pillar families, that is, the state of "one person carries a home".
Once the person who makes the greatest contribution to the family (whether the host or hostess) has an unfortunate accident or falls ill, it is likely that not only will he not have enough money to treat the disease, but the normal life of others will also become a problem! Because there is no savings, people who earn money become people who spend money.
Second, how should low-and middle-income families buy insurance?
1, basic social security is indispensable.
Social security mainly includes endowment insurance, medical insurance, unemployment insurance, industrial injury insurance and maternity insurance. It is a compulsory social security implemented by the state, which is not for profit, has the nature of social welfare and is a public welfare undertaking. Although it has the characteristics of "wide coverage and low security", it can also realize the function of "less money and more security" for low-and middle-income families.
2. Commercial insurance can be purchased according to the following principles.
A. whoever depends on his family will buy insurance first.
Whoever makes the greatest material contribution to this family will buy it first. The purchase principles of family commercial insurance are: the biggest material contributor, the second material contributor, children and the elderly.
B. Give priority to term life insurance, consumer health insurance and accident insurance.
Term life insurance, also known as term death insurance, has many options, such as 10 years, 15 years, 20 years, or reaching the agreed age of 50 or 60 years.
If the insured (usually the breadwinner of the family) dies within the time limit stipulated in the contract, the insurance company will pay a large sum of money to his family according to the contract, such as the insured amount of 500,000 yuan.
Moreover, a feature of term life insurance is "low premium and high insured amount"! It seems that the insurance amount is so high, but the actual premium is very small.
It should be noted that the guarantee period of term life insurance can generally be chosen at the end of the stage with heavy responsibilities, such as "children grow up, mortgage repayment period, parents may not need support for 100 years".
Because the meaning of buying term life insurance is that once you encounter misfortune, you can leave a large sum of money for your family to continue their lives.
Consumer health insurance includes consumer critical illness insurance and short-term medical insurance. Although for all families, it is "what's wrong, there is nothing wrong with having money"! But it is even worse for low-and middle-income families! Therefore, a critical illness insurance+medical insurance policy is particularly important.
It should be noted that although the premium of one-year critical illness insurance is low and the insured amount is high, you must remember to buy the next insurance before the expiration of the previous insurance to avoid the protection gap. In case of illness, no insurance claims are available.
Accident insurance, which is accident insurance. It is an insurance with the insured's body as the subject matter and the death, disability, medical expenses or temporary incapacity caused by the insured's accidental injury as the condition for paying insurance benefits. According to this definition, accidental injury insurance includes death payment, disability payment, medical payment and shutdown payment. The risk covered by accidental injury insurance is accidental injury. Usually, accident insurance products of insurance companies define accidental injuries as external, sudden and unintentional objective events that directly and independently cause physical injuries.
3. What is the appropriate premium expenditure?
All the premium budget of a family should be controlled at about 10% of the annual income, and it is best not to exceed 15%, so as not to affect the normal life of the family.
From the perspective of the amount of protection, the amount of life insurance coverage is best to be 10 times of the annual income of the family pillar, and the amount of critical illness insurance coverage is best to be as high as possible, and the coverage period can be shortened, but try not to easily reduce the amount of insurance coverage.
In the primary and secondary insurance arrangements for low-income families, term life insurance, accident insurance, medical insurance and critical illness insurance must be reasonably matched. In the case of spare capacity, consider buying investment insurance. In addition, low-income families should also pay attention to the fact that it is also very important to arrange insurance for themselves and their families according to the "priority" of their needs when their financial capacity or family budget is surplus.
The person who should buy insurance most is the head of the family, that is, the economic pillar of the family, not the underage children. Only by purchasing insurance that suits your actual situation can you effectively protect your future life and be able to "send charcoal in the snow" in case of sudden accidents. No matter what the family income level is, there is always insurance that suits you.
If you want to customize your family's insurance product portfolio at a preferential price, you can choose the insurance broker of Baibaojun platform to provide professional insurance services.