It has been nearly three years since 2020, and the income of many families has been affected.
Mr. Lin's family is the same, and the entire family income has dropped a lot in the past two years. In addition to doing two major life events - getting married and having children, he felt that his family responsibilities were heavier.
Mr. Lin often read our insurance articles before, and felt that the analysis was more objective and neutral. Now he found us and hoped to help their family with a cost-effective solution.
Family situation
If you want to configure the appropriate insurance, you need to know more about Mr. Lin’s family’s budget and needs.
The family income is not high now, and the child is just born, and the expenses are relatively high. Mr. Lin is planning to only take out for about 4,000 yuan to match the family of three. .
In addition, he made 3 requirements for us:
- Although the budget is not too much, I hope that the whole family can have critical illness protection.
- Now there is a mortgage that needs to be paid and children need to be raised. I hope the life insurance coverage can be allocated to 500,000 yuan.
- Some bumpy accidents and diseases can be hospitalized for guaranteed.
Based on Mr. Lin’s budget and requirements, we designed a set of plans for the family of three. Let’s take a look at it together.
Plan design
Accident insurance, million-dollar medical insurance, critical illness insurance , term life insurance are the four major insurance types that adults must have, and children have no family responsibilities, so they don’t need to buy term life insurance.
Let’s take a look at what guarantees this plan can provide.
, critical illness insurance
The requirement mentioned by Mr. Lin is: All three in the family must have critical illness insurance protection.
, but the overall budget is not much. After careful selection, we decided to allocate a health and wellness critical illness insurance of 300,000 yuan for the couple, which will cover it for 20 years. If you unfortunately suffer from serious illness such as cancer, you can compensate 300,000 yuan for one time .
The cost of buying regular critical illness insurance for a child is very cheap. We have equipped him with a 500,000 Hornet 7 all-round version, which is 30 years of insurance, and the annual fee is only 618 yuan.
Unfortunately, major diseases such as cancer can be paid directly, 500,000 to 800,000 . In case of specific diseases such as leukemia , 1 million to 1.3 million can be paid.
, term life insurance
Mr. Lin and his wife just had a child, and their living expenses have also increased, and they have to pay the mortgage every month.
As the pillars of the family, they are under great pressure, so we have provided Mr. Lin and his wife with a 500,000 yuan insured Sweet Home 2022 term life insurance, each with a 500,000 yuan insured, and the premium is 770 yuan in total.
One party has an unfortunate situation and can compensate 500,000 yuan for the family to continue their lives. The two died of the same accident and can compensate 2 million yuan.
, Million Medical Insurance
We have equipped all our family with blue medical insurance million medical insurance. Whether it is a disease or an accidental hospitalization, after the medical insurance is reimbursed, the expenses of exceed 10,000 or more, and those who meet the regulations can be reimbursed.
This product has been guaranteed to renew for 20 years. can renew if the product has been claimed within 20 years or the product has been suspended. We also attached an out-of-purchase drug guarantee for the whole family. If we want to go to the hospital to buy anti-cancer drugs in the future, we can be reimbursed up to 100% if we meet the conditions.
, accident insurance
Accidents in life are everywhere , we each allocated a 500,000 yuan Little Bee No. 2 Overcoming Edition, which can be compensated up to 500,000 yuan due to accidents.
outpatient and hospitalization caused by accidents such as bumps, cats and dog bites, can be reimbursed for 50,000 yuan.
Children will learn to walk later, which is prone to fall . We have provided children with 200,000 yuan to concentrate children's accident insurance 2022. Outpatient clinics and hospitalizations caused by accidents such as falls, 20,000 yuan can be reimbursed.
Mr. Lin’s Attecticitis does not affect buying the above products, you can directly take out insurance.
This plan provides a good protection for the family of three within Mr. Lin’s budget. However, due to budget reasons, this plan still has some shortcomings:
For example, the critical illness insurance for couples is only covered for 20 years, and the critical illness insurance for children is only covered for 30 years. If the budget is sufficient, it is generally recommended to choose to cover until the age of 70 or for life. When Mr. Lin’s budget increases in the future, he can add additional protection to the family.
written at the end
No matter what the current situation is, we must be full of confidence in life.
In addition, we can also build a firewall for the family with the minimum amount of .
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