Rational planning of individual health insurance plan
Due to a series of problems such as environmental pollution, food safety, and excessive pressure in life and work, the occurrence of major diseases tends to be younger. The health risks we face are getting bigger and bigger, and the cost of treatment is getting higher and higher. Therefore, in addition to social medical insurance, commercial health insurance has become the common sense of many people. But how should you plan your own health insurance at different ages?
When we plan health insurance, we can divide it into four stages: before marriage, after marriage, after middle age and after retirement.
Before marriage: Before marriage, it is recommended to pay attention to accident insurance and critical illness insurance. The first is accident insurance. Although the body in the young stage is stronger than at any stage in life, accidents are always inevitable. In addition, as the incidence of major diseases increases and tends to be younger, young people are also prone to serious diseases. Buying critical illness insurance can reduce their economic losses caused by illness. Although the younger the insured age, the lower the cost and the higher the protection, it is impossible to buy full insurance at this time, and it can be further improved after the economic conditions and personal earning ability are improved. What are the good recommendations for critical illness and critical illness insurance? I just sorted out the relevant contents, hoping to help you: take stock of the "worth buying" critical illness insurance of the top ten insurance companies!
After marriage: when you get married, you can add life insurance and large-scale critical illness insurance on the basis of young insurance, and prepare for your child's education, because the child's education fund will be a big expense in the future. It is suggested that the premium expenditure accounts for 10% of the total household income, of which at least 5%-6% is used for health protection. If your financial conditions are good at this time, you can reserve an education fund with premium exemption function for your children and buy a small amount of pension for yourself. Most of the pension products of insurance companies are compound interest dividends. The sooner you buy, the more cost-effective, and the role of compound interest can be maximized. Which insurance company is stronger? I just sorted out the relevant content, hoping to help you: the latest list! Top Ten Insurance Companies in China
After middle age: at this time, you can consider buying new products such as annuity insurance, investment-linked insurance and dividend return insurance. Take these products as one of the sources of future pension funds. Is the return insurance cost-effective? I just sorted out the relevant contents, hoping to help you: What's the difference between consumer insurance, savings insurance and return insurance? Which is better?
After retirement: buying insurance after retirement should pay more attention to survival interests, because the burden is the least at this time. The main purpose of life insurance death protection is to inherit wealth, and the premium expenditure at this time can be greatly reduced. In short, insurance planning is to control unlimited and unbearable risks in the future with the currently known and limited funds, which is the value of insurance.
Finally, I would like to remind you of the limited order of purchasing insurance products: Generally speaking, the principle of consumer insurance is: starting from your own actual situation, according to the order of risk management, first protect the problems that are easy to occur and time-pressing, and then gradually protect the night family.
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