The basic principles of insurance - Qzone log

Abstract: Now for themselves or their families to buy insurance policy is one of the family the most common consumer, and insurance as an important part of family financial management has become increasingly attach importance to, but exactly how to families on the insurance? Here are a few important principles.
would let adults buy insurance, would let the economic pillars of the family to buy insurance, accident health insurance to buy first, before buying insurance and then buy a house and the young have to buy the insurance is one of the five important principle, and why? This article will use the risk around us to tell you the story ... ...

one of the family to buy insurance principles: we must first give adults buy insurance (life insurance), because adults are the child's insurance!
3, first to buy accident insurance, health insurance
met many people talk about insurance agents asked: \This \These were generally have the experience of the investment environment, including the use of stocks, funds, bonds, futures and so many investment approaches, in particular when I heard that some investment insurance to have a stable revenue, Ta Men suffering from Fengxian sufferings of this seems to kind of \This is the dividend risk in China first appeared on the popular cause. When many people heard of the insurance can also serve as an investment, the suddenly bright eyes, while the most primitive kind of insurance, security features thrown Jiuxiao cloud went. Until now, there are many people participating insurance, investment linked life insurance, universal insurance fond of, that is a little further down the function of education savings insurance, pension insurance, which type of health insurance and life insurance, accident insurance but little attention .
life three risks: accidents, disease and old age, is the most difficult to predict and control accidents and diseases, and insurance protection significance, in large part on the expression In these two types of insurance. But many people feel the two insurance premiums are often gone, or come back very little, not really an investment, or \sufficient attention.
So when the real risk comes, many insurance policies are \Wrong. Science and insurance planning, we should start with accident and health insurance to start with these basic protection, go to consider other types of insurance, that is, if there is no commercial insurance, general insurance should be the following order: Accident (life) �� health insurance (including major diseases, health insurance) �� Education �� Insurance �� Annuity dividends, investment company, Universal.
Case story:
Xiao Zhang is a 27-year-old young professionals, just to work for three years, financial professionals in the university after graduation in the bank work hand have some savings. As a finance background, Xiao Zhang considerable interest for the investment and financial management, financial management is concerned about financial products.
2003, he entered the insurance company, a university student in business, and soon found Zhang, Xiao Zhang recommended it to the company's two hot insurance products , a health insurance and a profit-sharing insurance, Chang's focus on the danger that models dividend on, he listened to the students where the business manager of the Department of dividends on this risk analysis are compared with similar products, found very good, so it took four or five thousand dollars for a profit-sharing risk, but did not buy health insurance.
2004 in the summer of abdominal Xiao Zhang was very uncomfortable for some time to hospital were told there was a shadow on the kidney, the doctor recommends a medical examination to the tumor and was later diagnosed as renal cell carcinoma. The young are not comfortable, he and his family is a big blow! Then he thought had bought an insurance policy, but a policy that he regretted not cope flips: buying a dividend, rather than risk a major disease risk ... ...
home East West Minato finally got enough fight surgery money, but when he's dividend risk is not their role, he also worried about next year's premium. Xiao Zhang The idea was simple: I'm still young, in excellent health; that paragraph really good dividend risk. But this too much to his lessons, his young life to this life insurance for him, because after a major illness can not buy insurance, ... ...
the Editor:
we say fashionable financial management, financial management practice in three steps, the first step is to make the transfer of risk, that is insurance, which is a foundation. Good to do after the insurance arrangements and other consumer finance and investment, not insurance investments as castles in the air, can not stand bad weather. Therefore, the choice of insurance, the first accident, health, re-education, pension, bonus and other insurance, is the science of financial management.
insurance principles to families of three: the first accident, then health, education, pensions, dividends, and other optional insurance!
5, the young have to buy the insurance
major cities based on those who have purchased insurance, statistics show that people now buy insurance mainly for the 30-45 age group, they or to themselves, or to family members insurance. The young people aged 20-30, including the not yet independent school students and has not been long out of social work graduates, their choice of insurance is very little. They usually think they are young, good health, will not have any disease, but are surprised they are far away from their own, other risks, such as pension and so farther away from himself, so do not need the insurance.
but we now see major diseases has become increasingly younger. 20 years ago, when we hear around us who have cancer will not come to surprise, but now if he learned a 2-year-old child got cancer, you will not be too surprised, now air pollution, food contamination, environmental pollution, students too much pressure and so many reasons has become a major incentive for younger disease. Pesticide leek filling out the drug, plus arsenic and nurturing black-bone chicken, plus big fish feeding contraceptives, drugs ham, pickles, etc. Let us hard to detect poison, Beijing Children's Hospital has a building almost all leukemia, cancer and other major diseases small patients suffering from major diseases in the college students the message also frequently appear in major media.
body in such an environment, we do well against, on the basis of health, but also good in case of intention, you should not expect all of the sky to the day blue, and all food is safe, no pressure of life, and you have to do to prepare is a risk of serious illness if medical costs come from?
Case 1:
2005 �� 2 1st, Beijing Times published such a news: \
a repeatedly represented the country in international football competitions, and students who obtained outstanding results and was diagnosed with acute myeloid leukemia, this 22-year-old cow firm expectations community a helping hand to him, his life may be extended only cattle firm now Peking University Third Hospital for treatment.
Niu Jian, China Agricultural University, College of Humanities and Development, Department of Law students in 2002. He has participated in youth football tournament in Japan and South Korea, the Asian Rugby Championships and other major domestic and international competitions, he became the national team players from the National Youth reserve team.
2004 �� 9 months, at the China Agricultural University for the first Rugby World University Championships, fitness has always been very good cattle firm Jiangan physically frail. Back to Shijiazhuang, home to rest, he was the second People's Hospital in Hebei province only when suffering is known as \Attending physician told the cattle firm's parent,vestidos de novia, the current treatment of leukemia, the most effective way for hematopoietic stem cell transplant, doctors at the cow Kennedy's mother, who measured and cattle firm of gene 5 / 6 match points, can be hematopoietic stem cell transplant, and surgery done as soon as possible. \And this cost the average worker whose parents are cattle firm, said nothing short of astronomical. Niu Jian's teammates, fellow students and teachers have been helping hands, now doubt, he raised 50,000 yuan, but the needs of 500,000 yuan from the surgery just drop in the bucket.
Case 2:
2004 �� 10 17, Beijing Jiaotong University students Electrodeionization in 2004, \
10 �� 20, National Chiao Tung University students hold memorial for the Electrodeionization will, \hung between the trees produced by the students as Electrodeionization mourning banners, banner hanging below the students to write the note and the paper cranes, white flowers.
in the \for family members in Beijing food, shelter, and all costs, \\No, we later date, including pension and other areas who will fill the hole? \insurance awareness in rural areas can not, not to Electrodeionization buy insurance, but through this thing, every young man to realize what the insurance ... ...
the Editor :
risk seems to always be so cruel. But if the risk comes too late and then think of the insurance, the insurance is a rainy day scientific planning.
As a young man or their parents, should be to establish an early awareness of this risk, together, young people have so few reasons to buy the insurance:
an accident. Electrodeionization's father this is very cruel to the issues raised, he has only one son, now son accidentally left, who in old age pension of their control? parents worked hard their children La Cheda, every child who is charged with the responsibility to support their parents.
2, disease. As described in case 1, a major critical illness insurance can solve the big time the amount of risk for medical expenses.
3, scientific planning. can be expected in the future move an inch without insurance. so as to be on future insurance, as is the insurance, the economic conditions permit circumstances (including income and non-income young people). because with age, the premium growth, young insurance more \insurance principle five: Young more to buy insurance, to buy is a responsibility and planning for the future of science.