Recently, we have finally traced the drama "In the Name of Family" to the finale. The relationship between parents and the relationship between parents and children in the play all reflect many prominent problems in contemporary families.
But what we want to talk about today is not a few protagonists, but a quarrel between Qi Mingyue's parents.
Qi Mingyue’s mother used the savings that the couple had used for the elderly to pay a deposit in order to buy a school district house for her daughter. This made the father, who had always been patient, finally broke out and repeatedly questioned in case she had a serious illness and had an accident. What should I do?
and Qi Mingyue's mother didn't care at all. She retorted with the sentence "We both are in good health and our income is not low", insisting on buying a house, and the two of them got divorced. This scene of
made us feel helpless and emotional. Among the friends who have communicated with us, there are not a few people who think of Qi Mingyue’s mother. Is
healthy all the time, so you can use your savings to buy a house or a car, which is a "life event", so that insurance protection can be delayed for a while? of course not!
From the beginning of the workplace to retirement, many people are working hard to make money to support their families, just to live a happy life. However, once the risk comes, may instantly wipe out all efforts.
Qi Mingyue’s father represents people who are anxious after entering middle age. What he said is the high risk in our lives, and it is often caught off guard. Sudden serious illness may instantly deplete half of your life savings; sudden accidents may greatly reduce family income.
People in their fifties are not only worried about the future of their children, but also when they urgently need to pay attention to their health and provide for the elderly. This contradiction in the play is actually a contradiction in countless families in real life. First of all, risks must not be ignored, and if you can prepare a comprehensive protection plan when you are young, you may not have to wait until middle age to be anxious.
Taking a 30-year-old couple as an example, we designed a protection plan:
▲Critical Illness Protection
Hengqin Worry-free Life 2020plus is a newly launched cost-effective critical illness insurance, except for basic critical illnesses and moderate illnesses. , Mild disease protection, and optional additional protection for malignant tumors and specific cardiovascular and cerebrovascular diseases, as well as special benign tumor protection for , and the coverage of diseases is further expanded.
The current medical technology is advanced, and many minor diseases with unobvious symptoms can also be detected. Benign tumors are one of them. If a benign tumor within the scope of the contract is diagnosed after insuring Worry-Free Life 2020plus, and surgical treatment is performed, not only can get up to 20% of the insurance coverage, but also the subsequent premiums can be waived, and other diseases of will not be affected. Coupled with the high incidence of malignant tumors and cardiovascular and cerebrovascular diseases in middle-aged and elderly people, secondary compensation can be obtained, and long-term continuous protection can be realized.
Of course, the payout of this critical illness insurance is also well received. Before the age of 60 (not included), you can pay up to 160% of the insured amount for severe illnesses, up to 65% of the insured amount for a single case of moderate illness, and the highest for a single case of mild illness. Paying 55% of the sum assured is a comprehensive development. The overall cost performance is extremely high, and the rate level is also very suitable for working families to insure.
▲Medical insurance
Beyond Insurance 2020 Standard Edition has outstanding advantages among the same type of million-dollar medical insurance products. The reimbursement for special diseases can reach up to 4 million, is for ECMO, ICU expenses, proton heavy ion medical and other high-end In addition, expensive treatment technology can also provide protection. After the insurance, you can also enjoy a number of practical value-added services such as Critical Illness Green Pass, out-of-hospital special medicine distribution , etc., and comprehensive medical protection. This medical insurance is guaranteed to be renewed for 6 years, and renewal conditions are also very friendly.
However, the recent long-term medical insurance with guaranteed renewal for 10, 15 or even 20 years is gaining momentum. Interested friends can also learn more about them, and compare and choose the most suitable products for them. If you have any questions, please consult us.
▲ Accident protection
Accident protection needless to say, no matter what age group, whether it is at home, work, travel... you must beware of accidental injuries anytime, anywhere.
top beam adultComprehensive accident 2.0 is designed for the pillars of the family, providing up to 100,000 accidental death/disability protection, 10,000 accident medical protection, and specific traffic accident protection up to 500,000, and ambulance fees can also provide compensation, covering all types of accidents. risk.
▲Death protection
life insurance is also one of the must-have insurance policies for the family. If both spouses bear important family responsibilities, they can consider jointly insuring a Luxurious Barley Sweet Home 2020. The advantage of this term life insurance is that if one of the spouses dies/completely disabled, they can pay 100% of the sum assured , and the other person’s premium is exempted, and the protection continues; if both spouses die/completely disabled due to the same accidental injury, they can Get a one-time compensation of 400% of the sum assured of , left strong support for the family.
Term life insurance premiums are extremely cost-effective. During the guarantee period, you must ensure that you cover the critical ages of life. In addition, critical illness insurance and accident insurance also have corresponding death protections. Higher insurance payments can be superimposed to bear the family’s future living expenses and various Household debt.
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