Author | Cat Girl
Source |
Everyone has become conservative in their mentality and wants to reduce the debt pressure. At this time, insurance is likely to be on the list.
Many people must have muttered more than once when they received the reminder of insurance renewal. They bought the insurance for so long and it is useless. Why don’t you just stop paying?
If you feel uncomfortable and reluctant to pay the insurance premium, it may be that there is a problem with the allocation of insurance premium or the insurance budget at the beginning of insurance planning.
For example, when buying insurance, many people don’t want to “suffer a loss” at all, but also want protection and money, so they buy refundable endowment insurance.
But the insurance company is not a fool. If you want to get a refund, you have to pay an extra premium for the refund.
It may be nothing at the beginning, the big deal is to save money, but when you encounter the current situation, you will find that the money will not be returned in a short time, and you have to pay an extra money for the poor protection.
For another example, many people buy insurance and think that this responsibility is also useful, and that responsibility is also useful, and the budget exceeds a lot without knowing it.
Take critical illness insurance as an example. There are options of insurance up to 70 years old and lifelong, so many people think that it must be insured for life. Otherwise, what should we do after 70 years old?
looked at the critical illness insurance with a single claim, and found that the contract would be terminated after one payment, and then began to worry again. What should I do if I suffer from a serious illness again? Why don't you buy one that pays multiple times?
After reading the diseases covered by critical illness insurance, I started to worry again, what if I died without suffering from these diseases? Why don't you add death liability, if you don't get sick and die naturally, this insurance can also pay for it.
is like this, with more configurations, the budget will go up. At that time, I might bite the bullet and buy it. After all, I feel that I bought a very comprehensive insurance, but I may regret it when I have to pay the premium every year.
In fact, insurance is such a commodity, and the premiums paid by most people are doomed to be "for nothing", because the essence of insurance is to use the premiums paid by many people to help a few people, and only a few people can get claims.
However, in order to prevent us from being isolated and helpless when we become the unfortunate minority, we still have to pay the insurance premium.
If you really want to "slim down" the insurance, it is recommended to spend the money wisely. These types of insurance are still necessary:
1, critical illness insurance, if you suffer from the disease stipulated in the contract and meet the standard, you will directly pay a sum of money , It can be used for medical treatment, rehabilitation and recuperation, as well as to make up for lost income.
suggested that the pillars of the family must be preserved, because serious illness is not just a matter of medical expenses, there is still a long way to go for follow-up rehabilitation and recuperation, and income will also be damaged.
If the budget is limited, you can insure until the age of 70, at least covering the most important period of your life. As for the liability for multiple compensation and death, don’t add it. Buy something simple and buy more insurance. After all, how much will you pay? is the most important.
2, million-dollar medical insurance, medical insurance supplement, reimbursement amount of millions, can reimburse expensive self-paid drugs, imported drugs, targeted drugs, daily five-figure ICU wards are not a problem, and the reimbursement ratio can reach 100 %.
But its premium is extremely cheap, the minimum is one or two hundred yuan for young people, and only one or two thousand for the elderly. It is recommended that everyone take a copy.
3, term life insurance , if they die unfortunately within the guarantee period, if they can pay a sum of money to their family members, their life will be able to live on.
Term life insurance premiums are usually not expensive, and the burden is not heavy, but it is a guarantee for the family. It is recommended that the pillars of the family must be kept.
4, Comprehensive accident insurance is probably the cheapest, and the sense of gain will be stronger.
It can be used if you need to seek medical treatment for bumps and bumps.If you die or become disabled in an unfortunate accident, you can still lose a sum of money, and everyone must keep a share.
According to this configuration, we don’t need to spend a lot of money, but it can transfer some of the most unbearable risks, so that when we pay insurance premiums every year, we will feel that it is worth paying. If
is too "greedy" and buys some products that seem to be useful but actually have no leverage , then you will inevitably regret it in the future.
