In the family case of Dabai contact, many parents felt the importance of avoiding risks from young and weak children and bought the first insurance in their lives. It is understandable that parents' feelings are clear. However, it is the doping of emotional factors that makes some parents go astray. The most typical thing is that Dabai has repeatedly stressed that insurance must not be insured first, but must be insured first.
The reason is simple. Parents can actually understand that underage children cannot create economic value for their families. On the contrary, their healthy growth requires their parents to spend a lot of time and money. Only by ensuring the financial support of the family can we protect the old and young at home.
1, purchase strategy
In the case that children's budget cannot exceed that of adults, buying insurance for children mainly focuses on "three bars": medical insurance, critical illness insurance and accident insurance. If the economy permits, medical insurance can be supplemented appropriately.
Medical insurance: outpatient service, hospitalization, reimbursement for specific serious illness, etc. Some minor illnesses (such as fever and pneumonia) that children usually get, or bumps and bumps, can basically be covered by medical insurance, and the premium is not high. It is the most cost-effective basic guarantee to insure against illness and guarantee renewal. This should be a priority for children and families. Accident insurance: children are naturally active and it is impossible not to have accidents. Accident insurance is insurance against all kinds of accidents, such as burns, falls, disabilities, etc., so it is just needed. At present, there are many accident insurances for children in the market, most of which are in the form of 1 year, and most of them are the combination of accidental death/disability+accidental medical treatment+serious illness. The cost is not high, and it will go to 200 yuan on 100, but the insurance coverage is generally low, so parents can buy more accident medical insurance. However, we should pay attention to the compensation limit for the death of a child: 10 under the age of 0, 200 thousand; At least 10 but under 18, it is 500,000 yuan. Consumer critical illness insurance: Due to the rapid renewal of insurance, the depreciation of inflation currency, and the difference between the high incidence of serious illness in children and the high incidence of serious illness in adults, Dabai thinks that it is enough to buy consumer critical illness insurance for children for twenty or thirty years. Adult can independently supplement lifelong critical illness insurance. Pay attention to whether the product covers serious diseases unique to children, such as Kawasaki disease and severe hand, foot and mouth disease. It is best to choose insurance with "exemption" clause, that is, after the child falls ill according to the contract, he can still enjoy the protection without paying the premium. Medical insurance: Medical insurance, medical insurance and critical illness insurance can complement each other, but the budget is limited. For children, medical insurance is just needed. If the economy permits, it is recommended to give priority to those with high insurance coverage and high deductible. It will be a little more expensive for children aged 0-4, and it will be cheaper after 5 years old.
2. Preventive measures
Many parents ask, "Do you want to buy an education fund for your children?" Dabai feels that under the limited budget, safety should be the first.
Education subsidy seems to give consideration to both security and financial management, but in fact the income is not optimistic. The annual income of most products is between 1.8%-3.5%, which is not better than the money fund and is inflexible. Purchase is not recommended.
Step into society (20-30 years old)
Most people at this stage have the following characteristics:
(1) Income is still low or unstable.
(2) Most of them are single, but they should also start preparing to get married and buy a house.
(3) Generally healthy, at the stage with the lowest chance of getting sick in life.
(4) Most parents are over 50 years old, and their physical function is gradually declining.
1, purchase strategy
20-30 years old is a very important transition period in life. It is recommended to allocate consumer products and ensure that the premium burden will not be too heavy.
Accident insurance: Accident insurance is a kind of insurance recommended by Dabai at every age. For more than 20 years, there are many business trips or business trips. Need to pay attention to whether the occupational category meets the insurance requirements. Consumer critical illness insurance: at this stage, facing self-investment and preparing to buy a house, the economic pressure is still not small. You can consider long-term payment of consumer critical illness insurance, such as 60-year-old and 70-year-old insurance, with moderate coverage and few thousand premiums. If the budget is sufficient, it is strongly recommended to buy long-term critical illness insurance. For some cost-effective products, the insured amount is 500,000 yuan, the payment is 30 years, and the minor illness is about 5,000 yuan. Interested parties can consult Dabai. If the economy is really tight, one-year critical illness insurance, 300 thousand coverage, premium is only a few hundred. However, renewal is not guaranteed, and Dabai is not particularly recommended. Supplementary insurance for serious illness is a better choice. Please consult the local social security bureau for details. Term life insurance: Parents get older every year. If you are an only child, you can buy term life insurance without considering the responsibility of support. Buy at this time, young, highly leveraged, 65438+ million insured amount, pay 10 years, guarantee for 20 years, and the premium is several hundred.
2. Preventive measures
All kinds of financial insurance are very popular in the market now. The reasons why Dabai suggested not buying: First, I think the product is too complicated for ordinary consumers; Secondly, the core of wealth management insurance is stable and long-term, long-term holding, effective compound interest, and the income will rise. For young people with unstable economic foundation, it is not the first choice (self-investment, more urgent to buy a house), and it is more suitable for mature families with stable economy.
Of course, if you want to experience it for yourself, there are many investment channels with good returns at present. This topic, if there is an opportunity, Dabai will come out alone to discuss it with you.
Third, get married (30-40 years old)
At the age of 30, most people at this stage have formed families, made small achievements in their careers and have some savings. But the responsibility is also heavy: there are old and young people in the family, and we have to pay back the mortgage and car loan. Due to work pressure and lack of exercise, health began to decline.
1, purchase strategy
The focus of security should be to improve the security of the family's economic pillars and improve the ability of the whole family to resist risks.
Accident insurance: required at every stage. Be careful that the insured amount is not too low. Critical illness insurance: Priority is given to lifelong critical illness insurance. If you buy it at this time, your health will be good and the premium will not be too high. Even if you pay for 30 years, you can pay before and after retirement. If the budget is limited, we may wish to consider the combination of life-long and consumption-oriented to ensure adequate protection. Term life insurance: Considering the huge family responsibilities, it is strongly recommended to buy it. Term life insurance is a kind of pure insurance, which can leverage high insurance coverage with lower premiums and help family breadwinners transfer economic risks to insurance companies. Medical insurance: Medical insurance can play a very good supplementary role to social security and critical illness insurance, and it is not expensive, which can minimize the pressure of seeing a doctor. When the economy permits, it is recommended to give priority to the type with high deductible and high insured amount.
2. Preventive measures
30-40 years old, all kinds of responsibilities are overwhelmed, and protection should still be the main thing. Similarly, it is not recommended to invest too much in financial insurance.
Fourth, the peak of career (40-50 years old)
This stage has the following characteristics:
1, career peak, high and stable income.
2. Family responsibilities are small, but when you are old, you begin to consider the issue of providing for the aged in the future.
3, the body is not as good as before, and minor illnesses and pains are more and more frequent.
1, purchase strategy
At this time, we have enough ability to afford high-end insurance, so we might as well increase the insurance coverage and start lifelong critical illness insurance to reduce the burden of pension expenses after retirement.
High-security accident insurance: just needed. At this time, high insurance coverage should be preferred, such as 1 10,000, and the premium is several hundred. If you want to achieve a higher insurance coverage, such as 5- 10 times the annual income, you can buy more copies in different companies. It is best to choose one with high accidental death/disability (only accidental total disability is guaranteed, not recommended). Because there are many short-term products on the market, remember to renew the insurance in time. Critical illness insurance: It is strongly recommended to buy lifelong critical illness insurance. If you buy after the age of 50, not only is the premium easy to be upside down (the premium is higher than the insured amount), but the insured amount is generally low. It can be said that this stage is the last chance to buy suitable critical illness insurance. Term life insurance: it is still the priority of term life insurance, and it is a pure guarantee function. If you have already bought it, considering that your child may be at school, or you have a mortgage or car loan, you may wish to add insurance protection. Medical insurance: at this stage, minor illnesses and major pains may be hard to avoid, so medical insurance is just needed. At present, there are many millions of medical insurance with good cost performance. I suggest starting with one. People with high requirements for medical environment and service experience can consider high-end medical insurance. Just like accident insurance, you should pay attention to renewal. Old-age insurance: The average life expectancy in China is 78 years. Even if you retire at the age of 60, you still have 18 years. Taking advantage of the stable income, planning the pension problem as soon as possible at this time will reduce the pressure of later life. If you have good income and savings, it is suggested to supplement the commercial old-age insurance in addition to the national pension to ensure the quality of life and medical treatment after retirement. The amount of insurance should be set a little higher, and you can choose the longest payment period to reduce the pressure on premiums. If there is a surplus, we might as well find reliable investment channels to earn income and reduce the impact of inflation.
2. Preventive measures
Since the age of 45, the incidence of cancer has increased significantly, and once you encounter cancer, you will face huge expenses immediately. Judging from the medical expenses in the past two years, especially those with the highest incidence of major diseases, the cost of treatment and rehabilitation is at least 300 thousand.
So, again, don't ignore the critical illness insurance. You can also buy long-term consumer critical illness insurance instead of life-long insurance.
Five, into old age (after 50 years old)
Over 50 years old, he has successfully unloaded the burden of family responsibilities, and health and pension issues have become the focus of attention.
1, purchase strategy
Accident insurance: Due to the decline of physical and mental state, the reaction, agility and physical function of the elderly are not as good as before, and the probability of accidents is much higher than that of young adults. It is particularly necessary to configure accident insurance. Moreover, its age requirement is not high, and it can be bought normally at the age of 70 or 80. However, the insurance coverage is generally not too high. It is suggested to pay more attention to accident medical insurance. If the premium is consistent, the lower the deductible, the better. Critical illness insurance: over 50 years old, the cost performance of critical illness insurance is greatly reduced. But you can buy good cancer insurance. According to the data of China Insurance Regulatory Commission, the proportion of cancer claims accounts for 60% of all serious diseases. And many anti-cancer insurance, the insurance amount is 654.38+ 10,000, which will be guaranteed until the age of 70 or 80, and the premium is less than 2,000 yuan. Underwriting is still relatively loose, and people with high blood pressure and diabetes can also take out insurance. Recommended to buy. Medical insurance: it is not very expensive to buy medical insurance at this stage. 1100,000 medical insurance is less than 2,000 yuan, which can also play a better supplementary role in cancer prevention insurance.
2. Preventive measures
Many diseases can be controlled and cured at an early stage. Children should pay more attention to reminding their parents to have regular physical examinations, which is also due filial piety.
Dabai said: There is no insurance plan once and for all.
Users often ask, if you buy this insurance, don't you need to buy other insurance? In fact, insurance protection can not be established at one time. Because our assets and liabilities, family structure and health status are changing, and insurance products are constantly upgrading, it is easy to cause the insurance we bought in a certain period of time to gradually deviate from or even lose the original protection effect.
Therefore, Dabaihui suggested that corresponding protection should be established according to different stages of life. We should not think that with insurance, we can rest easy.
I also need to remind you that what Dabai said today only applies to most people. How to plan specifically depends on your own specific situation and needs. What suits you is the most important thing.