Social security is a national welfare, which can be reimbursed for serious illness and minor illness. The price is very cheap, hundreds of dollars a year.
However, it has its limitations. The maximum reimbursement for illness does not exceed 250,000, and many imported medicines or imported medical equipment are not reimbursed by social security!
Commercial insurance is actually money.
It's different from social security. Social security is reimbursement: you treat first, and I will reimburse according to the situation.
Commercial insurance is generally paid in cash.
When something happens to you, I will give you a sum of money as agreed. Whether you use this money for treatment or squander it, whether it is 654.38+ 10,000 or 654.38+10,000, it has nothing to do with the insurance company.
So buying insurance is equivalent to buying a "life-saving money" in advance and putting it there, just waiting for the "key" to be extracted. When a liability accident happens, the money can be taken out with the key. The insurances that can be purchased at different ages are different, but they are basically in four categories: serious illness, accident, medical care and life insurance.
These problems must be avoided when buying insurance.
1, only buy offline insurance, which costs 65438+ ten thousand yuan more.
(1) With the rapid expansion of the scale of insurance agents, the entry threshold is getting lower and lower, and the agents are mixed and the mobility is high; Face-to-face communication lacks supervision, and it is easy for agents to mislead consumers in order to place orders. When there is a claim dispute in the future, the original agent may not find anyone because of resignation and other reasons.
(2) The products available are limited, and offline agents can only sell their own products. Even if other companies have better products, they can't recommend them to consumers.
(3) Offline insurance prices are generally more than 30% more expensive, and many of them are even 1-2 times more expensive. In this way, any long-term insurance has to pay thousands of dollars every year, and the accumulated payment for 20 years is100000 yuan!
2. If you buy millions of medical insurance, you don't have to buy critical illness insurance.
Many people think that the most fatal risk of getting a serious illness is the cost of treatment, which usually costs tens of thousands or even hundreds of thousands. Why should I spend thousands of dollars on critical illness insurance when I can solve millions of medical expenses with hundreds of dollars of medical insurance?
Let me explain to you from two aspects why critical illness insurance can't be completely replaced by million medical insurance.
Reason 1: Millions of medical insurance can only reimburse you for treatment in the hospital, but the expenses after discharge, such as home care and income interruption caused by missed work, cannot be compensated.
Therefore, the role of critical illness insurance is not limited to ensuring the cost of treatment, it should be a supplement to millions of medical insurance rather than a substitute for each other. Think about it, you used millions of medical insurance to solve all the treatment expenses in the hospital, and went home to recuperate slowly with the payment of critical illness insurance. Isn't it beautiful? Sometimes, in the case of rapid recovery, you may even rely on a disease to leave more money for your own control. After all, the compensation system of critical illness insurance does not affect how much you actually need to spend.
Reason 2: Millions of medical insurance is good, but at present it is basically a one-year product and needs to be renewed every year. In theory, insurance companies can stop selling at any time. Once they stop selling, they can't buy it next year. Medical insurance has strict health restrictions. If you are healthy when you are young, you can buy another one relatively easily when one medical insurance is suspended. However, if you don't sell it when you are old, your health may not be able to successfully insure a new product. If you don't have long-term critical illness insurance, you lose protection.
From this point of view, if the budget is sufficient, it is necessary to have a lifelong critical illness insurance in order to ensure that you can be guaranteed when you are very old.
You don't have to buy term life insurance if you buy accident insurance.
Some people do have the idea that if they die when they are young, it can only be an accident like being hit by a car.
This idea is too narrow, because the trend of younger diseases is becoming more and more obvious. Moreover, some "accidents" that we usually think of are not covered by accident insurance, such as sudden death (some accident insurance can protect sudden death now, but it has not become the standard of product design), heatstroke, personal food poisoning and so on. In these cases, critical illness insurance cannot be guaranteed. The unfortunate death in this situation can only be guaranteed by life insurance.
Life insurance can protect death, but accident insurance may not; Accident insurance can protect death, and life insurance can certainly protect it.
Death compensation is a compensation system, so if you buy both, you can get two compensation for accidental death.
4, whole life insurance will pay, so life insurance should be bought for life.
Whole life insurance will pay for it. After all, no one is immortal. But because of this, the premium in whole life insurance is quite scary.
30-year-old male, buy 654.38+00,000 yuan and pay for 20 years.
If you buy term life insurance to protect your 60-year-old, the annual premium is basically less than 2000 yuan.
If you buy whole life insurance, the annual premium is basically tens of thousands.
We can't forget that the essence of insurance is to avoid risks, so the correct idea is to use as little money as possible to incite the highest amount of insurance when risks come.
Why can whole life insurance be guaranteed to be 60 or 70 years old? Term life insurance is to protect your ability to make money when you are young or mature. In case of unfortunate death, the elderly have no one to support them, and it is difficult for one spouse to bear the pressure of mortgage, car loan and children's education and support expenses. When we are over 60 years old, the above risks no longer exist, and there is no need for protection.
In the case of sufficient budget, Master Bao thinks that donkey kong IV should be fully equipped with critical illness insurance, medical insurance, accident insurance and term life insurance to form all-round protection.
If the budget is limited and cannot be completed at one time, it can generally be configured in the following order:
Accident insurance > medical insurance > critical illness insurance > term insurance
You can also reduce the premium by adjusting the protection period of critical illness insurance and term life insurance, but please be careful not to blindly reduce the insurance amount in order to reduce the premium, otherwise the risk will not be covered. The specific amount of insurance depends on the income of cities and individuals.