One, the main financial function of the insurance is in the event of a major accident, plug the loopholes in this family's finances, reduce losses or get through the hard times; it is in the role of the investment side of the biggest biggest nothing more than to ward off inflation; you if you really want to invest, but also in addition to prepare for some of the investment money. Insurance is insurance, investment is investment. (Generally speaking, if 60% of the income is enough to live, insurance accounts for 10% of the income, investment accounts for 30% of the income. If 60% of the income is not enough to live, then do a good job of protection, investment, do not think about it, think about how to earn more money more practical)
Two, the contribution is not high, it is even more can not go to consider the investment class insurance. (Investment insurance should be deducted from the initial fee, and the lower the part of the fee deducted the higher percentage, you pay less, the light deducted that money have to be many years to earn back!)
Three, health insurance is a consumer insurance, that is to say, this year a year hospitalized on the payout, not hospitalized this premium is not returned. And this payout is only for the remaining part of the social security report. In view of your low income and social security, and refer to the first article, saving small money is not the most important role of insurance. Money spent on the edge of the knife, do not recommend buying medical insurance.
Four, social security can solve the basic medical care, can not solve the problem of living expenses if we lose the ability to work (accident or serious illness). As well as not being able to reimburse imported drugs, advanced equipment, etc. needed for treatment of serious illnesses. Therefore, the most important thing you should consider is to supplement the accident and critical illness protection!
In view of the above analysis, to give you advice, recommend one of our low-paying, high protection, return to the capital type of critical illness, accident protection products, so that every cent of your money are spent on the knife edge, and a short period on the expiry of the period, you can all be claimed as the future of the children's education, their own retirement and so on flexible disposable!
Deposit more than 2,000 per year, you can have 100,000 critical illness/accident protection, deposit 20 years, protection for 20 years, 20 years after the return of all paid premiums, the end of the contract.
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Senior Life Insurance Consultant, Manulife Financial Holdings Zhonghong Insurance Shenzhen Branch