Financial channel> Bank Financial News> "Middle-aged people under the flu" brush: 99% do not understand the commercial insurance logic

"Middle-aged people under the flu" brush: 99% do not understand the commercial insurance logic

Edit: Lisa Source: Dr big Meng Date: 2018-02-13


Flu even life-threatening! Spent hundreds of thousands of still not rescued, this time we realized the importance of insurance, but you know how to buy it?

Recently, an article entitled "Middle Aged by Flu in Beijing" drew a circle of friends. The author used a detailed record of 26,000 words to record the father-in-law's death from a "small cold" to his death.

Seemingly elite middle-class families, but in a moment will tilt the building.

Sick is only an elderly, not as a pillar of their own family, the family has been so greatly affected, could not help thinking:

  How much are we prepared for the risk?

To sort out, the pressure of bringing "pneumonia" to the author's family is far more than the ICU ward charge of up to 20,000 days.

More hidden risks and expenses such as: hotel accommodation, care workers costs, relatives' ticket and lost wages, etc. These costs are actually unexpected before the onset.

What is even more frightening is that the author and his family face the risk of being infected at any time.

According to China's life insurance major disease experience rate table shows,If you are 30 years old, then 7% of your peers with your peers will have severe illness or death in the next 20 years; in the next 30 years, 17% of your peers with the same age will be lying in bed for 5 years 32% survival rate or death.

This is not a small figure. We always underestimate our own risk. However, we are deeply puzzled and insecure about the constant succession of colleagues and friends and the countless ease of raising.

However, how many other families took precautionary measures against these potential risks?

Moreover, from the text, in fact, we can see that the author is a middle class with certain economic strength and social connections in the capital.

It may be that such elites are already crumbling in the face of the ensuing blows.

So those families are not as good as his vast majority of families, in the face of serious illness, is it just waiting to die?

  In fact, the article mentioned a very important solution - commercial insurance

With the improvement of social and economic level, more and more people realize that it is far from enough to rely solely on social security.

In particular, after 80, 90 after the recognition of insurance is far more than the predecessors, young people will calm face life and death, the face of risk,Many people have a full sense of insurance, just trapped in this industry too uncommon, not many people can understand the thick terms.

Even the salespeople can not say the logic of insurance. When selling too much emphasis on love and responsibility, financial benefits, and a complex financial product that can resist risks are not like.

For example, this incident, many users have mentioned "critical illness insurance", it really can solve this matter?

 Critical illness insurance in the end to pay what?

Critical illness is not what everyone commonly thinks, as long as life-threatening diseases, even severe illness.

  Severe illness insurance is clearly covered by the scope of coverage, and only suffer from major diseases agreed in the insurance contract will be compensated.

In order to regulate major disease insurance, the CIRC released the "Code of Practice for the Definition of Diseases for Major Illness Insurance", which mentions 25 kinds of major diseases insurance must be insured.

These 25 kinds of diseases have covered 99% of cases of serious illness, which is enough for the average person. As for the market, one hundred kinds of diseases are used as a selling point insurance. If the price is cheap, you can buy it. Ten diseases are a lot more expensive, and it is not necessary because the cost of insurers really does not increase much.

As you can see from the table, most of the severe diseases are not directly related to the pneumonia caused by this flu. Only"Deep Coma" and "Major Organ Transplantation"Seems to touch so little side.

For example, the article mentioned a treatment - artificial lungs, at first glance seems to be related to "major organ transplant" seems to be relatively large.

But in fact it and insurance in the definition of "major organ transplant" is completely different. Artificial lungs are essentially machines that take the place of human breathing, so to say nothing of the kind that has not been transplanted, even if transplanted, is not a major organ transplant.

Another example is the possibility of claims of "deep coma", which is defined as: continued use of ventilators and other life support systems for more than 96 hours. In other words,At least "coma" for more than 4 days Caixing.

The author's father-in-law, from January 23 to January 24 died until January 24, even less than 48 hours, it is not eligible for claims, it will not pay.

So "end-stage disease"? This may be possible to pay, and end-stage disease is not limited to the type of disease, as long as the doctor to determine the life and then persist for six months, then the serious illness insurance can pay, pay the heavy illness responsibility. Just the text of the father-in-law, I'm afraid it is too fast to go, the insurance company too late to investigate, people have gone.

Now the mainstream of critical illness on the market, in addition to serious illness and pay are also accompanied by death claims, if no serious illness for a lifetime, or not by the serious illness of the serious illness caused by the scope of the death, the body Therefore, when the same can get the sum insured.

Although this money is not used to see a doctor, it can also be used to deal with the funeral affairs or to recover the costs of working out of the doctor's office.

  Who should buy critical illness?

The significance of serious illness insurance lies in the loss of income compensation, that is, a serious illness, certainly at least one or two years no way to work, only insurance can compensate for the loss of income, the money is not all used to see a doctor, but only one A small part to supplement the lack of medical insurance, such as nursing fees, nutritional fees, these medical insurance are not reported.

Therefore,For the adult role of the family, should buy full weight of critical illness insurance, Where the full amount refers to the minimum 500,000 insured amount, and economic pillars is to achieve annual income of about 3 times in order to avoid suffering after a serious illness caused by loss of income and overhead replenishment.

The significance of children buying a serious illness lies only in having enough cash flow to see a doctor, and taking advantage of the fact that the insurance policy is cheaper. The family's heavy illness premiums should account for about 2/3 of the total premiums, the family's total premium budget can not exceed 10% of the after-tax income.

However,Not everyone can buy a critical illness insurance, or suitable for buying critical illness.

There are already many minor problems, or people over the age of 40, to buy a lifetime of serious illness has been inappropriate, the former because of health can not pass, which is because the proportion of premiums and insured has been upside down, there is no guarantee of leverage, but also It lost the meaning of protection.

Many people think that bought insurance, insurance companies in the settlement of the time will be embarrassed, money easy to give money difficult,In fact, the vast majority of claims disputes are due to consumers do not know what to buy insurance insurance in the end, or when insured did not truthfully inform their own history, and more than 95% of the two sales staff can not afford Responsible for guiding consumers to do the bit.

For critical illness insurance, this is a long-term contract between the insurance company and the customer. It is subject to regulatory protection. No matter what the size of the insurance company, it must make the payment according to the terms, so it is entirely possible to choose more product protection Excellent small and medium insurance company's products.

  Medical insurance useful?

Social security is the vast majority of people have, but in the face of severe disease or have better medical conditions to choose from, social security will not play a big role in the import of imported drugs are not reported, and now even a lot of domestic The equipment and medicines are not reported.

In this case, without medical insurance is absolutely impossible, howeverMedical insurance is divided into ordinary medical insurance and high medical insurance.

General medical insurance is generally reflected in the additional insurance of traditional insurance products, as well as group insurance bought by enterprises or units. One of the features is that the sum of insurance coverage is low and the deductible is low. The scope of reimbursement is the same as that of social insurance. The proportion of social security reimbursement that part of good medicine for good medicine without any reimbursement.

The high medical insurance in recent years, the most popular insurance, deductible high, high sum insured, low cost, although the vast majority are not used, but once used is accounted for a lot of cheap, which is the number Lack of opportunities for insurance companies wool, but the price of two or three hundred dollars but can buy millions of insurance coverage, but also not limited to social security drugs, for social security is a very powerful supplement.

In general, highHospitalization fees for medical insurance cover the following: bed fee, meal fee, nursing fee, ICU bed fee (ie ICU), medical fee, drug fee, operation fee and so on.

In other words, most of the expenses of the author's father-in-law can actually be reimbursed.

This medical insurance, as long as physical conditions permit, the best manpower, but we must pay attention to the company's ability to pay and the probability of discontinued, the choice of large companies will be relatively better.

  How to find a good doctor, a good hospital?

The author repeatedly complained:Good hospital is not good to enter.

And many of the major diseases and medical insurance will be accompanied by green channel service, just to solve this problem, can help directly into the designated specialist ward, although you can not find the most famous doctor you specify, but good medical group There is no problem.

There are many green channel services can be reimbursed off-site medical expenses, but also quite humane.

  Poor heavy illness insured amount

Critical illness insurance and medical insurance are the most important insurance items for health problems. However, the penetration rate is worrying. According to statistics, the average Chinese people's health insurance coverage is only 62,000 yuan, and few can not solve any problems. Insurance is low, the insurance premium is the characteristics of China's insurance over the years, but fortunately this year more companies, more competition, the product began to get better, even in the protection has been fully exceeded the past has been considered far better than the mainland insurance Hong Kong Insurance. This is a good thing.

  Buy heavy illness and medical insurance, sum insured above all else, No money can buy regular insurance to retirement, rich can buy life-long multiple claims, do not forget to return, do not forget the dividends, protection is security, hope security insurance money you greedy.

  So on this event, there are several suggestions you want to share with everyone:

1, do not "self-willed" life, death and disease away from us, far more than imagined.

2. Prepared in advance the configuration of commercial insurance, even if no matter how hard the economy, consumer products can not cost much money can be very high, the poorer, the more fragile vulnerable.

3. To begin to cultivate their own "unscrupulous merchants" must have the risk prevention awareness, but also for business insurance needs to have a basic understanding, otherwise it is easy to be fooled, to buy inappropriate insurance.

4, heavy damage caused by injuries far beyond our imagination, not only the economy, but also mental and physical harm even more desperate, we must take precautionary measures.

Hands-on teaching you to correctly fill in the policy, attention: Finance secret notes, reply "dry goods" view.

All comments

                                No comment, you need to stand up to express their views!