There are many factors to consider when buying insurance. Think not only of yourself, but also of your family; Not only to protect health, but also to protect wealth...
If you happen to have an insurance policy, you don't know much about it. May wish to take a look at this insurance strategy, understand the underlying logic of insurance configuration, it is not easy to buy the wrong.
How to buy insurance is scientific? Insurance covers the future, so we need to anticipate risks in advance. For example:
(1) Personal risk: medical treatment, disability, death and other risks caused by disease or accident;
② Wealth risk: the risk of capital loss caused by unemployment, market environment, pension, property disputes, etc...
Different types of insurance have their own roles, and their focus is not the same. Refer to the following table to quickly understand the protection you need:
Let's talk about it in detail, in order:
1. Social Security: the basic guarantee for everyone
Medical insurance is the national welfare, but also our most basic protection, general small problems, it is basically enough. However, after all, it is the basic security, medical insurance also has shortcomings, such as:
① Limited scope of reimbursement (can only reimburse the expenses in the local social security directory)
② Limited reimbursement amount (top line, bottom line)
Medical insurance can only solve part of the medical risks, in addition to the most basic social security, it is also recommended to configure commercial insurance to supplement.
2. Accident Insurance (essential)
#01 What does Accident insurance do?
The main insurance is accidental injury, accidental disability, accidental death and so on. Cat scratches and dog scratches, sports falls, etc., can be reimbursed through accidental medical treatment;
If an accident results in disability, the corresponding insurance amount may be paid according to the disability level; More serious, car accidents, drowning and other accidents, accident insurance can be paid.
#02 Accident insurance how to pick?
① 0 deductible, 100% reimbursement is best
Accident care is compensated for medical expenses, so it is best to pay 100%, and the deductible is the part that is not covered.
② Unlimited social security directory
In case you need to use purchased drugs and self-funded drugs, the accident insurance that is not limited to social security can be reimbursed, which is more practical.
③ The amount of insurance should be appropriate
The amount of accident medical insurance is generally 10-20,000 yuan is enough, and the amount of accidental death/disability insurance is recommended to be not less than 500,000 yuan.
④ Premium
Premiums are mainly linked to the amount of insurance and the protection period, and one-year accident insurance can be owned by less than 100 yuan.
3. Medical insurance (reimbursement of hospitalization costs)
#01 What's the use of medical insurance?
Medical insurance is used for reimbursement, and the function is the same as medical insurance, but it is more and more extensive than medical insurance.
How much will be reimbursed? Taking the current popular million medical insurance as an example, after removing social security reimbursement and deductibles (generally 10,000 yuan), the remaining various expenses (including hospitalization, surgery, drugs, inspection fees, etc.) can basically be reimbursed.
#02 How to choose medical insurance?
① Coverage
In addition to general medical treatment and serious illness treatment, there are also special outpatient, outpatient and emergency care before and after hospitalization, and outpatient surgery, so that the protection is more complete; It is best to cover the cost of purchasing drugs and proton heavy ions.
② Renewal rules
Some diseases have a long treatment period, and it is difficult to buy insurance after illness. So choose products that you can continue to buy next year even if you are in trouble. This should pay attention to whether the clause has a description of "guaranteed renewal", and the longer the better.
③ Value-added services
Priority is given to millions of medical insurance with green channels for medical treatment, advance deposit for hospitalization and direct payment of drugs. Qualified parents can also choose high-end medical insurance, can have the whole Asia and even the world's medical resources services.
4. Serious illness insurance (prevention of serious illness expenditure, compensation for loss of income)
#01 What does Critical Illness Insurance do?
Serious disease insurance to protect severe, moderate, mild disease, different products, the protection of the disease will be different, but the following 28 kinds of high incidence of disease protection is bound to have.
Once you have a serious illness, you need to consider not only the cost of treatment, but also the subsequent rehabilitation costs, the loss of income from being unable to work, and the impact on your family.
These potential losses can be compensated to some extent through critical illness insurance. Because serious illness insurance is paid, once you reach the conditions of payment, the insurance company will pay you a one-time compensation, how to spend the money depends on personal arrangements.
Serious illness insurance and millions of medical insurance are complementary relationships, one subsidizes economic losses, the other reimburses treatment costs, helps cope with the expenses of serious illness, and maintains the normal life of the family.
#02 Serious illness insurance how to pick?
① The amount of serious illness insurance should be higher
Do bear in mind that buying serious illness insurance is the amount of insurance you buy. Medical costs rise with the economy, and the more serious the disease, the higher the cost of treatment. It is recommended that the minimum amount of serious illness insurance is 500,000, and if conditions permit, it will be increased.
② Understand your own situation, choose a more targeted insurance
Female insurance, can choose female specific diseases of additional compensation products, the same for men; The family has a history of hypertension, can add cardio-cerebrovascular disease additional compensation, secondary compensation products; Family members have suffered from cancer, you can pay more attention to cancer lost more products...
③ Protection period, priority for life
The first serious illness insurance, try to choose lifetime insurance. Unless the budget is insufficient, you can resort to a second insurance period.
Because people's health conditions are always changing, if a health problem occurs during the protection period, but it has not reached the level of compensation, it will affect the purchase of the next serious illness insurance.
④ The number of compensation, preferably choose multiple compensation
With the extension of life expectancy and the improvement of medical means, the probability of second serious disease is not low. And once you have a serious illness, you can't basically buy other serious illness insurance.
In order to avoid the situation that there is no serious illness protection after paying for one serious illness, buying multiple compensation and lifelong serious illness insurance is a more adequate plan to protect.
⑤ Additional insured person exemption
When taking out serious illness insurance, you and your family members can be mutually insured. Like between husband and wife, or between parents and children.
If the insured has some agreed circumstances (such as: mild illness, moderate illness, serious illness, death, terminal illness), the subsequent premium of this serious illness insurance need not be paid, and the protection continues to be effective. With this added responsibility, the premium will have little impact.
