By this month, old definition weighs next disease risk will be total wearing, let many friends feel very angst: The family still does not have safeguard, the car on or else is late!
But insurance is very complex, what insurance should buy? What kind of product sex price is compared tall? How much Qian Maicai to spend appropriate?
This perhaps is the trouble of many friends, the domestic situation of everybody is different nevertheless, give out very hard answer of a standard.
In the past, we had offerred insurance program program for 50 thousand families at least, helped them buy right product.
Today, we chose to have case of representative comparatively well-off family very much, make a reference to everybody.
Main content is as follows:
Comparatively well-off family, what does the risk that face have? 4 big risk are planted, be short of one cannot! Domestic plan, such OK matching!The youth of city of line of just a little, it is family of husband and wife both at work mostly, the child year young, can bother an old person to come over to help only attend... the small Lan Yijia that go all out is being hit in Guangzhou also is such.
Husband and wife two years income adds up have 250 thousand, these year of Lai Jingjing course of study, bought hard together cover little room, the day still must calculate too smooth and steady.
Do not cross a few jobs that produce recently, also let small orchid feeling gets potential risk.
1, the child is slink, abrupt is prevented not as good as
Small orchid gave birth to the child last year, the advent of a little life, it is the thing with the happiest family.
However the child came to this world in 36 weeks many, let a family abrupt is prevented not as good as. In NICU (new student the ICU) after living ten days, the child just is able to return in safety beside.
Small orchid the circumstance is those who had compared. A few more serious premature, have lived in NICU of nearly two months, everyday charge is in probably 2 - 3 1000 yuan, always cost two.
To average household, the defray of hundred thousands of, it is pen a huge sum of money undoubtedly. Under photograph comparing, small Lan Jiao gets him already very lucky.
2, the old person breaks out cerebral hemorrhage, person money two sky
Before paragraph time, small orchid grandpa is abrupt cerebral hemorrhage is unconscious, operation hind lived ten days in ICU.
Everyone goes brotherly sisters a force, urgent collect 10 come 10 thousand, but grandpa still fails to be held out.
Most those who be afraid of is not Azrael advent, however person money two sky. Before the disease, can attack easily break down a happy family.
If meet similar condition again later, what should take to answer again?
The economic origin in the home relies on husband and wife completely two, Once lose income, link daily pay debatable, more Biedizhi is ill.
Then small orchid found us, the hope can understand how transfer these risks with insurance.
Everybody may encounter disease or accident, if shift to an earlier date ready-made, it is at least when their advent, need not so flurried and helpless.
Common insurance has 4 kinds: Danger of serious illness risk, 1 million medical treatment, accident danger, calm birthday.
We arranged the intention that different risk plants, consult for everybody:
If plan institute shows:
Weigh disease risk: Bought 500 thousand serious illness for instance, in case got a serious illness such as cancer, can direct compensate 500 thousand, with in light of ill, buy nourishment, protect labour to go please. Danger of 1 million medical treatment: Submit an expense account technically medical treatment cost, the charge that social security does not sign up for, also can submit an expense account through it, protect the forehead to be as high as about a hundred 10 thousand. Accident danger: Stumble daily to be able to sign up for, because bring about die accidentally, disable also can compensate. Birthday danger: Ensure domestic economy pillar technically, buy for instance 1 million, the person did not have direct compensate 1 million, person allowing the home can continue give birth to subsist.Every danger is planted motive is different, To having the adult of domestic responsibility for, this 4 big risk are planted should match neat, safeguard ability is more overall.
And old person and child need not make money raise the home, need not buy birthday a place difficult of access; In addition, because the old person buys serious illness risk very expensive, if the budget is not much, also need not configure.
Next we look again, resemble small orchid such 3 home, how should buy insurance?
Small Lan Fu wife two control in 30 years old, yo has 1 year old of much daughters, parents lives together help look after children.
Their family year income is 250 thousand, eliminate room is borrowed, the car is borrowed, daily expense, can put the Qianbingbuduo that come down one year, so to the risk more cannot carelessness.
We made the insurance plan of two different train of thought, consult for everybody:
Plan 1: Economy is practical model plan
This covers programSexual price is compared very tall, need to spend very few money only, can buy taller keep the specified number.
Specific plan is as follows:
Husband and wife the body in order of two, buy insurance to do not have what problem; Although the daughter is slink, but growth is at present normal, can protect through the nucleus normally.
Configuration train of thought looks together below:
① weighs disease risk
The serious illness risk of two people bought the 400 thousand blessing that keeps the specified number happy protect, protect.
If contract heavy disease unfortunately,be in 60 years old ago, altogether can compensate 680 thousand, at present enough also used.
Chose sunshine to protect to the daughter protect surmount edition, 500 thousand protect the forehead protect 30 years. Its protect the forehead to be able to grow 20% every year, highest can grow to 200% .
Danger of ② medical treatment
The one good medical service that the home chose 6 years 3 times to make sure add is protected guarantees a place difficult of access of long-term medical treatment (pay treasure search " deep blue protect " ) , can sign up for forelock courtyard to treat cost, protect the forehead to be as high as 4 million.
③ accident danger
Besides the disease, be on guard even accident risk. Be less than 300 every year, can buy the 1 million millet put together that keeps the specified number to add up to accident danger, lever is very tall.
To the child, want to pay close attention to accident medical treatment mainly. Chose big bodyguard to the child so little edition, contain the accident medical treatment of 50 thousand to keep the specified number, stumble daily, the cat catchs a dog to bite wait to be able to submit an expense account.
④ birthday danger
Husband and wife the two economic pillar that are a family, configured the 1 million post deciding the of great capacity that keeps the specified number severally so danger of 2 fixed birthday.
No matter because the disease is accident still,be, want person be dead only, can compensate brushstroke money lets family continue to give birth to subsist.
Average per capita of plan of a complete set of needs only 3000 multivariate, extraordinary be to one's profit.
Plan 2: Upgrade into rank model plan
This program is the biggest different depend on: Risk of family serious illness is protected lifelong.
Give husband and wife two options super Marie 2 Max, gave a daughter to choose steely soldier 1. These two products are 60 years old ago, contract heavy disease 50% - 60% of can much compensate, there still also is 500 thousand to keep the specified number after 60 years old.
This plan suits moreThe budget is enough domestic consideration, small orchid after considering oneself family case, Chose the first economy finally practical model plan.
Actually, insurance program configures special individuation, the domestic situation of everybody is different, the preference is different also, referenced configuration train of thought is nice.
After had configured a 3 safeguard, return remnant a few budgets, see an old person be sure how to should be bought.
After the thing that has experienced grandpa, the father and mother that small Lan Zhun gives him many years old 50 fully, also configure an insurance.
Their body condition is pretty good still, have in native place buy new farming close, the plan that we devise is as follows:
To senile old person, want to buy danger of 1 million medical treatment and accident a place difficult of access only commonly, enough.
This plan average per capita needs only1300 Yuan, can be like next safeguard:
Medical treatment danger: With life of average per capita 70 years old calculate, good medical service of 20 years guarantees a place difficult of access of long-term medical treatment, bought can protect directly, also need not worry during stop carry out. Accident danger: Chose the millet put together of 500 thousand to add up to accident danger, the accident medical treatment of 20 thousand, social security inside and outside can submit an expense account, answer risk of the trip with daily old person, fracture, enough used.Actually the old person buys insurance, quite difficult still really, wait for a disease like diabetic, hypertension, buy right product very hard.
Associate with when we make plan to the user, many people had raised similar question:
1, the company that had not heard, does manage compensate rely on chart?
Say verdict first: Those who rely on chart.
The partial product in our plan, insurance company may be so not well-known, can concern of user hard to avoid rely on chart?
Actually, insurance contract has legal effectiveness, can compensate is written into the clause in black and white, manage compensate also is to press a contract completely to come, should accord with manage compensate condition only can compensate.
2, how many money to spend to buy insurance more appropriate?
ProposalDo not exceed a family year 10% of income.
Buy insurance abundant frugal by the person, the situation of every family is different, for instance healthy circumstance, room borrows a car etc, accordingly cannot treat as the same.
Get on for the Spring Festival, the happiest thing, family of nothing is more... than is restful health is together.
Even if has some of friend to may want different ground to spend the New Year, but also should have taken care of oneself, body types or forms of literature is the most important.
Here also reminds everybody again, be apart from old definition a remnant is worn 6 days below serious illness, the friend that has not configured should clutch considered) .
If today's share useful to you, greeting transmit gives the close friends that has need.
Your insurance try to win sb's favor? The welcome leaves a message share: )
I am deep La Jun, dedicated insurance is evaluated, dried food of insurance of daily popular science.
The hole in insurance without number, the impossible to defend effectively with our true common people.
For better help everybody, my exert one's utmost effort arranged a series of knowledge dried foods, welcome to be taken oneself!
As long as attention is close blue protect, give me illicit letter: Welfare, can get package of the following data freely:
" product a list of names posted up is odd " : Update 4 big risk every months to plant highest sex price compares product pop chart!
" cast protect a guideline " : Each age Duan Ke learns children, adult, old person cast protect a guideline, valuable still 169 yuan of course are given freely!
" the strategy that prevent cheat " : 4 big risk plant serious illness risk, medical treatment danger, accident danger, calm birthday the most complete avoid hole strategy!
" insurance program " : Year income 50 thousand, 100 thousand, 200 thousand, 500 thousand family is different the insurance program program of demand.
" disease nucleus protects " : Second liver, nodal, hypertensive, diabetic wait for common disease to be cast quickly protect a guideline.
" social security manual " : Cure of countrywide each district is protected submit an expense account, annuities is gotten wait to be unscrambled in detail, entire network is the most entire social security uses manual!
Recommend read:
Insurance buys a strategy:Manage compensate uncovers secret greatly! How does insurance company survey individual data?
The mutual treasure in disturbance! Half month exceeds 1.7 million person to exit, have you among them?
Does insurance deceive people? Expert: Do not be immersed in error of compensate of this 6 Dali again
Insurance was bought do not have a few days have to cancer, I was checked by insurance company a De Chaotian. . . . . .
Monthly pay 3000, can you also buy price of the upper part of the body the insurance of 1 million? Come from what course of study mies wife to exceed be economical strategy
Pop chart of risk of 400 serious illness uncovers secret greatly! 0-60 year old applicable, adept person teachs you money of not beautiful injustice
Social security fact does a manual:From be pregnant to give birth to child, with was opposite social security is taken more two 30 thousand! Handgrip hand teachs you
Resigned, how is social security handled? After making telephone call of social security bureau 61 times, wrote this
Cure of a lot of people protects card to use a fault! Learn these 6 kinds of methods, see a doctor more be economical
Social security hands in 15 years to mix 25 years, what distinction does the result have? Do not make social security consequence serious?
