Health insurance, focusing on human body, refers to the insurance that insurance companies pay insurance money for losses caused by health reasons through illness insurance, medical insurance, disability income loss insurance and nursing insurance. When the insured suffers from illness or accident, resulting in extra expenses or losses, he can get certain compensation. 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
About the payment method of health insurance premium
There are two common ways to pay premiums, one is wholesale payment, and the other is installment payment (annual payment, monthly payment, etc.). ).
One-time payment refers to the insurance premium payment method of paying all the insurance premiums in one lump sum.
For regular payment, it is necessary to pay the first premium at the time of insurance, and agree on the time to pay the remaining premium, such as monthly payment and annual payment.
Two modes of premium payment
After paying the initial premium by installments, each installment has a time limit, which is the normal renewal date plus the agreed grace period (such as 60 days grace period). At the end of the grace period, if the insured still fails to pay the premium payable during this period, the insurance contract will be invalid, and the insurance company will not be responsible for paying the insurance premium for the insurance liability accident that occurs at the expiration of the contract. Judging from the two payment methods, each has its own characteristics, so the length of payment period cannot be generalized. Let's briefly analyze the differences between different payment methods of health insurance.
As a kind of guaranteed insurance, the fundamental purpose of health insurance is to protect and transfer risks, so it should be analyzed from the perspective of risks.
If we are going to buy a health insurance now, we have to pay 300 thousand, and the premium and insurance amount are the same. There are two payment schemes, which one will you choose?
1, 10 year, 30,000 a year.
2, 30 years, one year 10000.
Assuming that the risk occurs in the ninth year, the difference between the two payment methods lies in:
1, 10 year, 30,000 yuan a year, and in the ninth year, 270,000 yuan has been paid.
2. Pay 30 years, one year 1 10,000, and pay 90,000 in the ninth year.
Therefore, for health insurance, a guaranteed product, we must use leverage to use as little premium as possible and transfer as many risks as possible.
The payment period should be reasonably selected according to personal circumstances and needs. If the income is stable for a long time, you can choose to pay for a long time and pay the premium smoothly. If the income is short-term high income such as project, one-time payment and recent years, you can choose one-time payment or short-term payment.