Like the second floor said, find an honest agent.
The agent will help you choose the right insurance.
How to buy insurance reasonably?
Seven insurance policies are indispensable for a person's life.
Safety and security are the biggest needs in everyone's life. At different stages of life, people face different financial needs and risks, which can be arranged through insurance. The function of insurance is not only to provide living security, but also to transfer risks and plan financial needs, so it has become a financial management method.
From a single aristocrat to a middle class with a house and a car, from raising children to facing the problem of pension inheritance, this is a life course that an urban white-collar worker must go through. In this process, seven insurance policies are indispensable.
No. 1: accident insurance policy
There are more and more vehicles in the city, and drivers are more and more anxious. Traffic accidents are staged in the streets and alleys of the city every day. Risk is no longer a small probability event, but someone has to pay for a wrong collision in life.
Accident insurance is the first necessary policy at this stage. Accident insurance provides the guarantee of life and safety, and its function is death and disability. Buying an accident insurance is a guarantee for life, and it also reflects the return to parents' kindness. Although accident insurance has no financial management function, it can't get returns and benefits without taking risks, but compared with the compensation amount as high as 65,438+10,000 yuan, the investment of several hundred yuan per year is negligible. No insurance has such a high protection function as accident insurance.
Additional insurance for accident insurance is also a necessary choice. Accidental medical compensation, including outpatient and registration fees, can be paid. Minor illness hospitalization and operation expenses can also be realized through additional hospitalization and operation compensation.
Second: medical insurance policy for critical illness.
By the age of 30, we have begun to be afraid of physical examination. We carefully plan the future with a generous salary. Life seems to be progressing step by step as envisaged, but there is always a little uneasiness in my heart. Has the quality of our life really improved? However, it is an indisputable fact that the living environment is getting worse and worse and the air is getting dirtier. It seems that we spend less and less time exercising, whether it's inertia or heavier responsibilities on our shoulders, or both, no one can tell. More than half of the white-collar workers are in sub-health state, and the incidence of serious diseases is getting higher and higher, and their age is getting lower and lower. No one can deny this problem.
Let's take a look at the current situation of our medical security. We all have a social medical insurance, and the annual medical expenses are capped at 20,000 yuan. Today, when a cold can cost thousands of dollars, the money is only enough to deal with a minor illness. More than 20,000 yuan, we also have a serious illness fund to reimburse higher expenses in proportion. The word "proportion" is inherently insecure, let alone low. Well, you have a serious illness of 6.5438+10,000 yuan, and you need to pay at least 60,000 yuan for your own medical expenses. No wonder others will say that illness is a black hole in family finance, which is enough to make the money saved by years of hard work disappear in an instant.
Critical illness medical insurance is a way to transfer risks and obtain protection, and it is also one of the best choices for financial management. If you save some money for serious illness treatment, you can get compensation if you are out of danger, and you can finally recover a lot of interest if you are not out of danger.
The critical illness medical insurance only pays for the critical illness listed in the policy. If you have other diseases and need hospitalization, you should choose some additional risks that suit you, such as cancer insurance, women's insurance, reproductive health insurance and so on. Additional insurance can compensate the expenses incurred in outpatient service due to operation, illness or accident. However, minor illnesses such as colds and fever that can be handled by the outpatient department will not be paid (this part can be paid through the medical additional insurance of accident insurance). Additional risks are not refundable.
Table 3: Endowment insurance
Who will support you in 30 years? This is a problem that we have to consider. When our pockets are getting richer and richer, our salaries are rising year by year, and we are getting used to a high-quality lifestyle, no one wants the living standard to plummet in the future. We work hard and save money. Faced with the pressure of inflation, banks are also unreliable. The cost of raising children is getting more and more expensive. Many city residents have only one child. In the future, when two children are responsible for four old people, it is undoubtedly a great pressure to expect children. Planning your own pension is a sense of responsibility for yourself and your children.
It is necessary and inevitable to consider supporting the elderly at the age of earning money. We also have a pension in social insurance. Women who have had sexual intercourse for 20 years and men who have paid fees for 25 years can receive it after retirement. However, the amount of this pension is the local minimum monthly average wage. In 2003, the average minimum monthly wage in Beijing was 465 yuan, which is still a drop in the bucket for maintaining a normal life.
From the age of 30, when funds permit, I began to consider buying an old-age insurance. Pension funds must be safe first, and it is obviously difficult to predict whether to invest in the stock market or real estate for the elderly. Endowment insurance has both security and financial management functions, and can resist the influence of inflation. Old-age insurance should be purchased as soon as possible, and the earlier it is purchased, the greater the discount.
Before buying old-age insurance, you should figure out how much money you can get each month and how many years you can get. There are two forms of receiving pension, one is fixed monthly, and the other is increasing year by year, which should be chosen according to different situations and economic affordability.
Urban single aristocrats have no family burden, so they only need to consider personal protection when buying insurance. The above three insurance policies are necessary.
Table 4: Family Liability Insurance
A family has three pillars: the economic pillar. Emotional pillar and hope pillar.
The pillar of hope (children) is the sustenance of parents. Emotional support is an important way to maintain family harmony and move towards a warm future, while economic support is the economic foundation and guarantee of the whole family. Among these three pillars, the economic pillar has a key impact on family stability and the improvement of quality of life. The actor of this pillar-the importance of his (her) buying insurance is beyond doubt! When dealing with insurance agents, people often say, "I don't need insurance, but my wife and children need insurance most."
This is what many men think. When the agent talked to them about insurance, they waved their hands and said, "I don't need insurance." I have money. Even if you buy insurance, you buy it for your wife and children. " This is also a very common group. They are generally the main source of family income and the maintainer of family life. Many people have good jobs or small achievements in their careers. In their view, they are the head of the family, can earn money, and their wives and children are relatively weak in the family and need protection most. So it is natural to buy insurance for your wife and children first. Even when talking about specific types of insurance, such as medical and health insurance, they said: "My company has medical insurance, but my wife and children don't have much insurance. They need insurance most. "
In fact, they are confusing the relationship between the strength and weakness of the family. From the perspective of income, they are "strong", but from the perspective of family, they are a weakness of family risks. Obviously, since it is the main source of family income and the economic pillar of the family, once the risk occurs, it will be the biggest blow to the family, so it is actually the economic pillar of the family that needs the most protection. When this economic pillar has the risk of accidents or major diseases, the main source of family income will be interrupted, thus reducing the quality of life and even leading to the collapse of family economy.