All the past, is the preface, as a reliable financial planner, risk manager, today I share with you a pertinent insurance advice!

That is: no matter how poor, these two kinds of insurance must be configured!

What are the two kinds of insurance that ordinary people need? Medical and accident insurance!

The very, very basic configuration of the whole family

If the budget is limited, first give everyone in the family with accident insurance and medical insurance, each of these five or six hundred must not save!

This money can't be saved, it's the real bottom line for the family.

1. Medical insurance

Medical care is valuable and priceless. It saves lives. - Medical care

Circle of friends on the easy chip, water drop chip, simply flooded disaster! Although suffering from different diseases, but these fundraising cases have amazing common characteristics, people can not help but feel emotional.

First, most of the people in these cases have health insurance, but the insurance coverage is far from adequate. Like a broken umbrella, when it rains heavily, it can barely cover part of the water, but it can't completely protect us from getting wet.

Secondly, these patients are normally healthy, who would have thought that they would suddenly fall into the trouble of disease? Just like a calm lake, no wind and no waves, but one day suddenly set off waves, let people unprepared.

What is even more shocking is that these fundraising goals are usually set at more than 300,000 yuan, but the actual amount raised is often less than 100,000 yuan! It is like a high mountain, which we strive to climb, only to find that the goal at the top is so far away that it is almost out of reach.

Surprisingly, most of the people who need to raise money are not old people in their 70s or 80s, but young people in their 30s or 40s! They are in the prime of life, when they should be thriving in their careers, but they are mercilessly dragged into the quagmire by disease.

Faced with these heartbreaking facts, we cannot eliminate the existence of risk, but we can prepare for it! As a wise man said, "If you eat all kinds of grains, no one can be sure that you won't get seriously ill." Risk is everywhere in life, especially for those workers who work hard and stay up late, especially so.

Therefore, we need to take some measures to deal with the risks.

Let's face the risks of life together, be prepared, and protect the health and happiness of yourself and your family!

Forewarned is successful, unforewarned is lost!

Instead of using a drop in the bucket after the various funding, it is better to configure medical insurance in advance, don't make it in case something lies in a hospital bed, while fighting with the disease, while also worrying about high medical costs!

If the health condition allows, it is recommended to give priority to high-end medical treatment, taking the age of 30 as an example, the cheaper point is about 1,000 yuan a year, and the budget is limited to buy millions of medical treatment, hundreds of dollars a year!

2. Accident insurance

Risk is everywhere, everyone needs it - accident insurance

Accident insurance, as the name suggests, refers to when the insured suffers an accident injury, the insurance company according to the contract to pay the corresponding sum of money. Generally speaking, the amount of ordinary accident insurance is 1 million, and the annual payment is about 400 yuan, which is the highest leverage insurance in life insurance.

It should be noted that "accident" in accident insurance is defined as:

"The insured does not foresee or against the will of the insured, suffering from external, sudden, unintentional, non-disease and objective events that cause physical injury".

Such as common in life, many medical behaviors caused by cat scratches and dog bites, falls and injuries (non-disease causes), burns and scalds belong to the scope of accident insurance claims, and similar to heat stroke, sudden death, food poisoning (individual) and other situations, it is usually unable to obtain claims.

Accident insurance, its coverage is very simple, that is, accidental disability/death, plus accidental medical treatment.

Warm tips: don't buy that kind of return type accident insurance, pit to die, two or three thousand dollars a year, not only expensive, but also bad guarantee responsibility, Yang Guo so broken an arm can not pay!

The above two kinds of insurance, for ordinary people, is the most practical insurance, the leverage is very high, a few hundred dollars can leverage millions of insurance, and it is not expensive, every day from the salary inside to save 10 yuan!

Is accident insurance the same as medical insurance?

The accident medical treatment in the accident insurance is indeed the nature of medical insurance and is also accountable, but it is only for the reimbursement of medical expenses caused by accidents, which can be said to be a small branch of medical insurance.

And medical insurance covers medical reimbursement for both accidental and non-accidental illnesses.

Is it necessary to buy both medical insurance and accident insurance?

It is necessary.

Medical insurance does not cover medical treatment for non-accidental diseases, and medical insurance does not cover compensation for death and disability caused by accidents.

Therefore, medical insurance and accident insurance can not completely replace each other, and the price of both are relatively cheap, only a few hundred dollars a year, very cost-effective.