Hello! Among all occupations, teachers have relatively more "occupational diseases". According to statistics, the incidence of severe sub-health among college teachers is as high as 34. 16%, which is 65.438+00% of that of ordinary people. Scapulohumeral periarthritis, vocal polyp, vocal nodule, varicose veins and chalk syndrome have become the number one health hazard of teachers, and the sub-health status of teachers is shocking. Therefore, it is necessary for teachers to make insurance plans for themselves in time.
I am a teacher, and I am worried that I will suffer from some occupational diseases. How to buy insurance?
1. Accident insurance. Teachers leave early and return late, which is basically inevitable during peak hours, and there are many people and cars, so it is very necessary to buy accident insurance and accidental medical insurance.
2. Hospitalization medical insurance. On the whole, teachers belong to the national career establishment and have relatively good national medical insurance. In particular, it should be reminded that the hospitalization subsidy in hospitalization medical insurance is an insurance that subsidizes hospitalization according to a certain amount every day, which can play a very good supplementary role and make up for the shortage of reimbursement.
3. critical illness insurance. For teachers, occupational diseases are almost inevitable, and they are not felt when they are young. However, after 40 years old, it becomes more and more obvious. Therefore, it is particularly important to insure critical illness insurance as soon as possible without physical examination. The specific premium is reasonably controlled according to its own income. At present, critical illness insurance in the market can be divided into life insurance and term insurance. Life insurance pays attention to long-term planning, and you can enjoy it for life by paying regularly. Term insurance is more flexible, and you can choose the term according to your own situation. At present, most products provide protection against illness and death, and most of them have the functions of return, protection and pension. When choosing the insurance coverage of major diseases, it needs to be analyzed and determined according to the medical security situation. In terms of payment, try to choose installment payment.
It is necessary to build a suitable insurance scheme for teachers, and it is the e-commerce platform that provides professional insurance and insurance schemes. Consumers are welcome to make comprehensive comparison and selection.