Today, we want to analyze how the "Dink" family configures insurance from a professional perspective, which can provide a good guarantee for their lives.
1. What kind of insurance should the Dink family have?
First of all, the risks faced by every family are health risks and death/disability risks, so the allocation of basic insurance should give priority to protecting health and life.
The types of insurance to be configured here include accident insurance, medical insurance, critical illness insurance and term life insurance.
Secondly, in addition to basic insurance, Dink families should plan their own pension situation in advance. Dink family must have certain requirements for the quality of family life. In the future, the pension can only be provided by oneself, and the national pension is only a small part, so it needs to be equipped with endowment insurance.
Second, how to choose various types of insurance
Just now, we talked about the types of insurance that Dink's family security plan needs to consider: accident insurance, medical insurance, critical illness insurance, term life insurance and old-age insurance.
Next, let's talk about how to choose these five insurances.
1, accident insurance
Accident insurance is a kind of insurance that can protect the risks brought by accidents, generally including accidental death, accidental disability and accidental medical treatment.
Choose an accident insurance with a guarantee period of 1 year, with 500,000 to 1 10,000 for accidental death and 30,000 to 50,000 for accidental medical treatment. The cost of a year is only one or two hundred yuan.
Of course, if some accident insurances have some additional functions besides the above coverage, such as expanding the isolation coverage in COVID-19, including the coverage of sudden death, but the price has not increased much, you can choose some accident insurances with additional protection.
2. Medical insurance
Medical insurance can be divided into outpatient medical insurance and inpatient medical insurance.
Outpatient medical insurance, because we often go to the clinic, so the price of outpatient medical insurance is more expensive, but because we spend less money on outpatient medical care, we can afford the daily living expenses, so there is no need to buy outpatient medical insurance. What we mainly need to configure is hospitalization insurance.
Hospitalization insurance, that is, millions of medical insurance, is a kind of insurance that can be reimbursed by insurance companies for reasonable expenses incurred during hospitalization except hospitalization.
Millions of medical insurance needs to be configured. At present, the coverage of millions of medical insurance in the market is more than 2 million, which means that as long as the cost of seeing a doctor after hospitalization is less than 2 million, the insurance company can reimburse us, which is a very high amount. The price of million medical insurance varies according to age, but it will not exceed 1 000 yuan, so it is really a kind of insurance with high minimum premium.
Choosing millions of medical care mainly depends on whether there are any restrictions on reimbursement, whether self-funded drugs and imported instruments can be reimbursed, and generally good millions of medical care can be reimbursed.
3. critical illness insurance
Critical illness insurance pays in advance. The selection of critical illness insurance mainly considers several aspects:
First: whether the serious illness is a multiple payment or a single payment. Multiple payment means that a serious illness can be paid multiple times. For example, there is an insurance product on the market that pays 6 times for serious illness. For example, if you have a serious illness for the first time and another group of serious diseases two years later, you can get it for the second time. The single payment refers to the termination of the contract after the payment for serious illness. The price of overpayment for serious illness is definitely higher than overpayment, and it should be judged according to your own budget. If the budget is sufficient, you can choose to pay more for serious illness.
Second: Is it necessary to protect mild, moderate and in situ cancers? In addition to serious illness, serious illness insurance on the market now is a must. Of course, these insurances are more expensive than none, but I suggest you choose the critical illness insurance to protect them.
Third: Is there any exemption protection for the insured? This kind of protection means that if the insured insures the insured, if the insured suffers from a serious illness, the follow-up premium of this insurance need not be paid, but the policy has always been valid. Dink family can completely guarantee each other between husband and wife, which increases the exemption function of policyholders.
Fourth: how much insurance coverage to choose. The coverage of critical illness insurance mainly covers the income and rehabilitation expenses after treatment. Because the cost of treatment can be reimbursed by the millions of medical insurance above, the Dink family can calculate how much insurance they need to buy according to everyone's income. Compared with Mr. Zhu's annual income of 300,000, if he covers two years' income, he will choose the insurance amount of 600,000. Of course it can be adjusted according to the budget. After all, the higher the insurance coverage, the higher the cost.
Fifth: the choice of guarantee period. The guarantee period of critical illness insurance can be fixed or life-long. Regular insurance is cheaper than life insurance. The prevalence rate of serious illness in middle-aged and elderly people is relatively high, so it is suggested that lifelong protection is the best choice.
It is completely correct to choose critical illness insurance according to the above points.
4. Term life insurance
Term life insurance is a life insurance product that guarantees a certain period of time. Term life insurance is also called family liability insurance, because insurance companies only pay claims after death/disability, so money is generally given to family members, so how much insurance to buy has become the biggest problem.
Generally speaking, the coverage of term life insurance should be able to cover family responsibilities. The responsibilities of ordinary families include mortgage, car loan, the responsibility of raising children and the responsibility of supporting parents. Since the Dink family has no children, there is no need to consider the responsibility of raising children. You just need to cover the mortgage, car loan and support your parents. The insurance amount can cover all these.
The guarantee period of term life insurance, we generally take the longest family responsibility period as the guarantee period. For example, a family has two family responsibilities, mortgage and car loan. There are still 30 years left in the mortgage and 5 years left in the car loan, so the guarantee period should cover the longest mortgage period, that is, 30 years.
The price of term life insurance varies with age, and the premium can be calculated according to the specific age.
5. Endowment insurance
For the Dink family, the future pension must be saved in advance. The pension that the state will give us in the future can only guarantee our basic life. If we want to maintain the quality of life before retirement, we must save it ourselves. Moreover, the Dink family has no children, so they can't expect their children to support themselves in the future, so they can only rely on themselves.
Old-age insurance is a very good tool for old-age savings. Endowment insurance is a kind of insurance that we pay a certain premium to the insurance company every year, and the insurance company can receive it monthly or annually according to the agreed amount after we retire.
The advantage of old-age insurance is that it is earmarked for special purposes, and it is insurance for the elderly; Moreover, the old-age insurance is very safe, there will be no loss, and it is a certain income after our retirement.
Third, the ultimate guarantee of the old-age life, the old-age community
We just talked about some insurance products that Dink's family needs to configure. In addition to insurance products, who will take care of the Dink family when they are old is also a very serious problem.
Of course, there are also various national guarantees, such as going to nursing homes or staying at home for the elderly. But if you want to take better care of the elderly, you can choose community pension.
At present, most domestic pension communities are developed and operated by insurance companies, which can be linked with pension insurance. Therefore, families with sufficient budgets can lock in a number of places in the old-age community in advance and enjoy them when they are old.
The facilities in the elderly community are more perfect than ordinary nursing homes. At present, several large-scale domestic pension communities are based on the concept of "healthy pension". Living, eating and using in the community for the elderly are all designed for the aging, with special doctors to take care of them and many activities for the elderly. It is a very comfortable living environment.
The dinks have no children. Living with other elderly people in the community for the aged and participating in various recreational activities are more conducive to physical and mental health.
Many old-age communities in China have introduced the advanced CCRC model for the elderly in the United States. Residents can choose independent living apartments, disability care apartments or dementia care apartments according to their own conditions.
The community for the aged provides residents with a variety of life service modes, such as independent living, assisted living, professional nursing and memory nursing, to meet the nursing needs of the elderly with different physical conditions. After listening to the above introduction, you must see that the old-age community is more suitable for Dink families who pursue high-quality old-age life than traditional nursing homes. This "integration of medical care and nursing" community for the aged can not only provide high-quality life for the Dink family, but also send them to the hospital as soon as they get sick, and there will be someone to take care of them, which can avoid the risk of no one to take care of them to the greatest extent.
These are the guarantees that the Dink family should consider for themselves in advance.