The insurance industry in the United States is very developed, and the types and scope of insurance involve all aspects of life. American middle-class families are generally equipped with life insurance, medical and health insurance, vehicle insurance, home insurance and liability insurance. Statistics show that the insurance coverage of Americans is as high as 420%.
Judging from the types of insurance, these middle-class families in the United States generally need insurance provided by middle-class families in China. China has the highest storage rate, but the insurance rate is relatively low. Among them, the most worrying thing is medical and health insurance.
The data shows that the medical expenses in the United States are very high, and most Americans rely on medical insurance just in case. American health insurance accounts for 40% of the total premium, and the annual per capita premium of health insurance is $65,438+0,680. Domestic medical expenses are also very high, and the per capita premium of health insurance is only $65,438 +0 16. When a major illness comes, social security can only bear the basic medical expenses, and the actual expenditure is limited, which casts an unfortunate shadow on many originally happy families. It is imperative that we should popularize medical care and health insurance for all.
I hope I can help you.
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.