Too little money to buy commercial health insurance? This article has a good strategy.
Risk does not pick people, and low returns mean weaker risk tolerance. It is not easy for low-income families to make ends meet. If they want to take out a sum of money to buy insurance, they must make plans. Low-income families need insurance protection more, because once they encounter an accident or a serious illness of their family members, they are more likely to get into trouble, or even delay treatment due to insufficient medical expenses, and insurance can provide timely help at this time.
Then the question is, what kind of commercial health insurance can low-income families choose?
1, insurance principle for low-income families
Low-income families often earn their own money, and the whole family lives on this income. Compared with dual-employee families, they have a single income channel and low ability to resist risks, so it is more important to make a good risk protection plan. Low-income families should give priority to protecting the head of the household, that is, the economic pillar of the family, rather than minor children; In the primary and secondary security arrangements, accident insurance and critical illness insurance should be given priority, followed by endowment insurance. In the case of spare capacity, consider buying investment insurance. What are the accident insurance for accidental medical treatment? Which is more secure? Which is more worth buying? Let's take a look at some good accident insurance recommendations. Top 20 quality accident insurance in 2020!
2. How should low-income families buy insurance?
For low-income families, we may wish to pay more attention to the types of insurance with low premiums and high insurance coverage.
(1) accident insurance. Accident insurance is divided into narrow sense and broad sense. Accident insurance in a narrow sense is the abbreviation of accidental injury insurance. Broadly speaking, accident insurance is a general term for a series of accident insurance, such as accident insurance, accident medical insurance, accident hospitalization allowance insurance, traffic accident insurance (including driving, public transportation, railways, ships, aviation, etc.). ), elevator accident insurance, travel accident insurance and so on. Considering that accident risks are ubiquitous and difficult to prevent, consumers are advised to consider accident insurance, which can compensate the risk of death caused by accidents. In particular, people who need to travel all the year round or engage in more dangerous industries should prepare adequate personal accident insurance protection.
In general, accidental injury insurance and accidental injury medical insurance are both necessary, and others are selected according to the actual situation. There are many accidental injury insurances with accidental injury medical insurance, which consumers need to know clearly when they apply for insurance.
(2) Term life insurance. Term life insurance has the characteristics of low premium and high security, which is a good choice for office workers with fixed income, because this kind of insurance has shifted their own death risk from the economic level and added a strong economic guarantee for parents and family members. You should decide your insurance amount according to your actual income. What are the good life insurance recommendations? I just sorted out the relevant contents, hoping to help you: the top ten insurance companies selling life insurance in 2020!
As term life insurance and accident insurance need to play the role of children's long-term alimony, it is suggested that the insured amount should be set at least five times the annual income, generally not less than 500,000 yuan, with term life insurance as the main part and accident insurance as the supplement. In this way, once the child's income is interrupted, the quality of life of parents will not be greatly affected.
(3) Regular critical illness insurance. Simply put, the user and the insurance company agree on an age, and the insurance company will compensate the insurance money if they suffer from the major diseases agreed in the contract within the agreed age. Regular major disease products on the market are guaranteed to be 60 or 70 years old. The higher the age, or the older the security age, the more expensive the premium. 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
In order to save premiums, low-and middle-income families should shorten the insurance period appropriately, and can have insurance protection at the highest risk stage and when they need it most.
(4) Medical expenses insurance. In most cases, medical expense insurance is regarded as an additional risk of serious illness. Of course, it also appears separately as a one-year product. This insurance is easy to understand. If you have a specified disease within the scope of the contract, you can apply for the corresponding treatment fee. Medical expenses insurance can also break through social security or other restrictions, and reimburse imported chemotherapy drugs, bed fees in intensive care units and other expenses.
When determining the insured object, you can choose according to the actual situation of your family. The biggest medical burden of low-income families often comes from the elderly and children, so their protection can not be ignored.
To sum up, there are still many low-income families who don't pay attention to any security and don't even join the social security that needs to pay a small fee. Therefore, the risks they bear will multiply, and they should buy commercial health insurance to improve their ability to cope with risks.
(The article comes from the "Baojian Micro Classroom" of WeChat official account)
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