This issue to the family and friends to share five charts, so that we are more clear about the meaning and function of insurance, understand clearly in order to find their own needs on-demand configuration.
The first chart is a climbing chart
Generally speaking, the standard of living of our families can be divided into four stages, poverty, general, well-off, affluent, your family is currently in which stage?
This is where your family's standard of living is located, and your family life is like a happy express train driven by you traveling on the road to prosperity! It's not easy to get rich, it's like climbing a hill, and I'm sure you know that. But no matter how capable a person is, there are two things that are beyond their control, one is an accident and the other is an illness. When we need to rest or recuperate for a period of time due to these reasons, the train of happiness will go backwards due to the decrease in pulling force.
So we need to build a platform to prevent the train from slipping, don't you think?
Actually, the platform is insurance!
Second diagram: V-shaped diagram
1.? You see, Social Security hospitalization reimbursement is like this V-shaped diagram.
2. The shaded area at the bottom is the threshold for hospitalization, below which we have to pay for ourselves.
3. Not everything above the threshold is covered, because Social Security has a cap that is shaded at the top, and you have to pay for everything above the cap.
4. Is it possible to get coverage above the threshold and below the ceiling? No, because Social Security generally requires a 10% co-payment, as shown in the right-hand border of the chart above.
5. As we all know, there is a portion of out-of-pocket expenses for drugs, medical equipment, and medical services, which you need to pay for yourself, that is, the portion on the left side of the picture.
6. You can see that the medical expenses we incurred, below the starting line, above the ceiling, out-of-pocket and out-of-pocket expenses need to pay out of their own pockets, I painted it as a shadow, then the white part is the part of the reimbursable part, you can see, the shaded part is much larger than the white part.
7. Through this chart you can also see that our huge medical costs rely only on social security is far from enough, and with the increase in medical costs, the gap will be more and more large, which is just like Premier Zhu Rongji said, "social security is only a low level of insurance, not a package. Therefore, it is necessary to buy a part of the commercial insurance as a supplement, don't you think so?
? Figure 3: T-chart
Now there is a family A and a family B. Unfortunately both families face the same risk. Also, if family A has social security and family B has both social security and commercial insurance.
Family A spends $100,000, Social Security reimburses them $70,000, leaving $30,000, and that $30,000 is out of pocket.? Family B also spends $100,000, Social Security reimburses them $70,000, leaving $30,000 left over. This time we see our commercial insurance, commercial insurance in which he purchased 180,000 of critical illness insurance, of course, this amount we can take the initiative to adjust. We found that he not only did not spend 30,000 yuan, but also got 15 million yuan.
And that's not all, there are nutritional supplements that are needed for faster recovery, so there are also nutritional supplements. Besides, families nowadays are full of single children, so we can't ask our children to drop everything they are doing to take care of themselves when there is a risk, can we? Since they also need to earn an income, there is also the need to hire a caregiver. Similarly, we would like to have a better environment and a more comfortable bed during hospitalization, so there may also be a subsidy for bed charges. All these are money that has to be spent out, and commercial insurance can flexibly solve these problems. In fact, social security can reimburse up to 70%, there is still 30% of the cost we have to spend sooner or later, if we spend that future 30% of the out-of-pocket expenses to be spent on commercial insurance ahead of time will not be the same as the B family has both social security and commercial insurance can also get a substantial amount of money for you to visit the doctor's flexible money, right?
Fourth chart: insurance classification chart
Buying insurance is actually the same as wearing clothes, people wearing clothes can be roughly divided into properly dressed, half-naked, naked, etc.; in general, naked is obviously not allowed to go out, both for themselves and society is a great risk. Semi-nudity itself can be quite a nuisance.
Buying insurance is this similar reasoning, according to this logic, we will have the family whether to own insurance and what insurance, roughly divided into naked, semi-insurance, full insurance three kinds of cases. Only have the value of the insurance is called bare insurance, have the value of the gold and major diseases insurance is called semi-insurance, both the value of the gold, at the same time there are major diseases insurance, light serious illness insurance, accident insurance, hospitalization expenses insurance, hospitalization allowance insurance, exemption insurance, that is called full insurance, buy insurance should buy full insurance.
Fifth chart: quality progression chart
For health protection, everyone matches at least 300,000 basic coverage. Because the national Social Security healthcare cap ranges from $100,000 to $300,000, and from $300,000 to $800,000 based on current medical expenses for major illnesses, we'll take an average value of $500,000, subtract the peak Social Security reimbursement of $200,000-$250,000 in general, and end up with an out-of-pocket payment of $250,000-$300,000.
The probability of each person in a family of three suffering from a major illness is 72.18%, the probability of Mr. suffering from a major illness is 72.18%, the probability of Mrs. suffering from a major illness is 72.18%, and the probability of the child suffering from a major illness is also 72.18%. So reasonably, the whole family needs 300,000 coverage, of course, we plan is also in order, the general situation is, first adults and then children, first men and then women, to ensure that the family breadwinner full coverage. And then gradually meet.
Compared to the 300,000 base, 500,000 can bring quality of life. Because in addition to medical costs, physical rehabilitation also need to rest, nutritional supplements, that nutritional costs, nursing costs, lost wages who pay it! When there are 500,000 is basically able to face, but also to preserve our own dignity.
Of course, if each person has 1 million, it has a dignified life, can be realized in 3 to 5 years do not go to work, because we do not fear any loss of income, and will not be because of the risk of a sudden occurrence of the known responsibility to reduce us, such as for the child to prepare for overseas study of the education costs, the children's wedding leave costs. What do you think when we are fearless of any risk and still enjoy a high quality of life?
? This issue of the sharing ends here, I hope that my sharing can help you friends, if there are questions or unclear aspects, welcome to WeChat consult me.
Finally, thank you again for listening to your family and friends, we will see you next time!