In this issue, I will share five pictures with my family and friends, so that everyone can know more about the significance and role of insurance. Only when they know clearly can they find their own needs and configure them as needed.
The first mountaineering map
Generally speaking, the living standard of our family can be divided into four stages: poverty, average, well-off and affluent. What stage is your family at present?
This is the positioning of your family living standard, and your family life is like the happiness express you drive on the road to getting rich! Getting rich is not easy, just like climbing a mountain. I believe you also have deep feelings. However, no matter how capable a person is, there are two things that can't be controlled, one is accident and the other is disease. When we need to rest or recuperate for a period of time for these reasons, the happiness train will go backwards because of the reduction of tension.
So we should build a platform to prevent the train from slipping. what do you think?
Actually, this platform is insurance!
The second picture: V-shaped picture
1.？ You see, social security hospitalization reimbursement is like this V-shaped diagram.
2. This is the deductible for hospitalization, and we need to pay for it below the deductible.
3. Not all the parts above the deductible line can be reported, because social security also stipulates that a capping line is the top shadow part, and the parts above the capping line should also be borne by themselves.
4. Can I quote above the deductible line and below the capping line? Not necessarily, because social security generally stipulates that the self-payment ratio is 10%, as shown in the right box above.
As we all know, some self-funded drugs, medical equipment and medical services in social security reimbursement also need to be borne by themselves, which is the left boundary in the above picture.
6. You see, among the medical expenses we have incurred, we need to pay below the deductible line and above the capping line, the self-paid part and the self-paid part. I drew shadows, and the white part is the reportable part. You see, the shadow part is much bigger than the white part.
7. As you can see from this picture, social security alone is far from enough for our huge medical expenses, and with the increase of medical expenses, the gap will get bigger and bigger. As Premier Zhu Rongji said, "Social security is only a low-level insurance, not a package". So it is necessary to buy some commercial insurance as a supplement, right?
? The third picture: T-chart
Now there is a A and a B, unfortunately, both of them are facing the same risks. In addition, if A has social security, B has both social security and commercial insurance.
A family spent 6,543,800 yuan, social security reimbursed 70,000 yuan, leaving 30,000 yuan. This 30 thousand piece needs our own expenses.
? Family B also spent 65,438+10,000 yuan, social security reimbursed 70,000 yuan, leaving 30,000 yuan. At this time, I saw our commercial insurance, in which he bought180 thousand critical illness insurance. Of course, we can adjust this amount voluntarily. We found that he not only didn't spend 30 thousand, but also got 6.5438+0.5 million.
What's more, for example, during the rehabilitation period, nutrition needs to be supplemented to recover faster, so there is a subsidy for nutrition expenses. Besides, families are all only children now, so let our children put down all their work to take care of themselves when risks cannot happen. Because they also need income, they also need to hire care workers; Similarly, we also hope to have a better environment and more comfortable beds during hospitalization, so it may also involve subsidies for bed fees. These are all money to be spent, and commercial insurance can flexibly solve these problems. In fact, social security can be reimbursed up to 70%, and we will spend 30% of the expenses sooner or later. If we spend 30% of our medical expenses on commercial insurance in advance, we can get a considerable sum of money for your flexible control when you see a doctor like family B!
Figure 4: Insurance Classification Diagram
Buying insurance is actually the same as dressing everyone. People can be roughly divided into three situations: well-dressed, half-naked and completely naked. Under normal circumstances, it is obvious that you can't go out naked, which is a great risk to yourself and society. Half-naked itself is quite troublesome.
The same is true for buying insurance. According to this logic, we can roughly divide the family into three types: naked insurance, semi-insurance and full insurance. Insurance with only premium is called naked insurance, and insurance with premium and major illness is called semi-insurance. There are premium insurance, critical illness insurance insurance, minor and serious illness insurance, accidental injury insurance, hospitalization expense insurance, hospitalization allowance insurance and exemption insurance, which are called all risks. When buying insurance, you should buy all risks.
Figure 5: Quality progress chart
Health protection, everyone should have at least 300 thousand basic insurance protection. Because the national social security medical cap line ranges from 6,543,800+to 300,000, according to the current medical expenses of major diseases, it ranges from 300,000 to 800,000. Let's take an average of 500,000. After deducting the peak of general social security reimbursement, we finally need to pay 250,000 to 300,000.
In a family of three, the probability of serious illness is 72. 18% for each person, 72. 18% for the husband, 72. 18% for the wife and 72. 18% for the children. So in principle, the whole family needs 300 thousand. Of course, we also plan in sequence. Under normal circumstances, adults are given priority, children are given priority, men are given priority, and women are given priority to ensure full coverage of family economic pillars. And then gradually satisfied.
Compared with the foundation of 300,000, 500,000 can bring a quality life. Because physical recovery needs rest and nutritional supplements in addition to medical expenses, who will pay for nutrition, nursing and lost time? When there are 500 thousand, we can basically face it calmly and we will maintain our dignity.
Of course, if everyone has 6.5438+0 million yuan, they will live a distinguished life, and they can not go to work for three to five years, because we are not afraid of any loss of income, and we will not relieve our known responsibilities because of sudden risks, such as the education expenses for preparing children to study abroad and the expenses for wedding leave. When we are not afraid of any risks, we can still enjoy a high-quality life. what do you think?
? The sharing of this question is over here. I hope my sharing can help all my friends. If you have any questions or unclear aspects, please feel free to consult me on WeChat.
Finally, thank you again for listening. See you next time!