Have you also met an acquaintance or relative who has promoted "insurance" to you? But due to the sympathy, I feel embarrassed to refuse, and even feel disgusted. Does
feel like this? If you are not a professional insurance provider, let me ask you, how much do you know about "insurance"? Why are you resistant to insurance?
Look again, there are many people around us who do insurance. Why did most of them change their careers after they worked for a while?
What blind spots and misunderstandings do we have about insurance? Is insurance really a necessity for us?
This book "Your Insurance Guide" plans insurance for us from the perspective of health management. The insurance knowledge involved in the book almost covers various needs for insurance in our families.
Author Tan Lu, an international financial planner, an American million-dollar roundtable member , and the founder of Chuhe team. She plans a life insurance amount of up to 200 million yuan each year, and she is the winner of the International Quality Award Platinum Award.
The biggest highlight of this book is that it analyzes from the perspective of insurance demanders, teaches you step by step to protect you from the front, middle and even after insurance, and configures the most reasonable insurance types for you.
As an insurance novices, I just need such a book because the insurance knowledge I learned before was heard.
After reading the book, I realized that it is better to read it yourself than to listen to it a hundred times. It turns out that I have been "misunderstanding" about insurance over the years.
01 Who should be the most "insured" in the family? How do you understand the problem of
?
You are the backbone of the family. You pull the family car forward, and you have to pull it hard even if you go uphill. No one can guarantee whether the rope that pulls the car will break? If it is broken, the family will suffer severe damage and may even decline rapidly.
If you can expect it in advance, spend some money to hire someone in advance and let him support him. Even if the rope is broken, the person behind will definitely extend a strong hand to help you overcome the difficulties.
In fact, when you hire someone, the money is only temporarily placed on the TA. When you reach the agreed time, you feel that you don’t need it, and TA will give the money back to you truthfully, and there will be interest not lower than the bank.
And this "good person" is called "insurance".
Go back to the question, if you say who should be "insured" the most, you will answer without hesitation, of course, it is the one who takes the lead in the family.
Yes, that's right. This is also what the author in the book wants to emphasize. In a family, the person who should be insured is the person who can continuously provide income and can support the normal operation of the family.
How many people "misunderstand" this like me, thinking that in the family, you only need to insure children or the elderly, , but they don't know that you are the one who should be most protected by the family.
Your health protection is the greatest protection for your family. Of course, if the financial permits, everyone in the family will be insured, and such a family will make people feel more at ease.
Remember that insurance must first consider large risks and then small risks. First look at the experience report and then the insurance product, first look at your own needs and then the product type.
Insurance cannot guarantee that there will be no risk, but when the risk comes, it can give you help and support regardless of the reward, and it has the nature of delaying satisfaction.
02 Do you still need commercial insurance if you have social security?
people always have bumps and bumps in their lives. Take myself as an example. An unexpected incident happened not long ago. My leg was hit and needed surgical treatment.
Almost everyone who visited me was concerned about this question and asked me if I still have commercial insurance?
I think I have social security, why do I need commercial insurance? In the later medication, I gradually found that national medical insurance is the basic medical insurance, and most of the drugs cannot be reimbursed at all.
Our drugs are divided into Class A drugs, Class B drugs and Class C drugs. Class A drugs can be reimbursed 100% in the social security scope, and Class B drugs can be reimbursed 70%-80%, while Class C drugs are completely self-paid drugs. If there is no commercial insurance to share the Class C drugs and some Class B drugs that are not reimbursed, the patients will have to solve the problem themselves, and these are the highest costs in medication.
According to relevant information, there are only 2,800 drugs included in social security, and more than 200,000 drugs have been registered. In other words, only 1.4% of the drugs we can reimburse with social security, and the rest must be paid out of our own pocket.
At this point, come back to the question, do you still need commercial insurance with social security?
obviously needs it, and it must be. Don’t “misunderstand” like me, thinking that with social security, you don’t need other insurance.
The author introduced in detail in the book " medical insurance that is urgently needed", telling us that social security is only the foundation, and commercial insurance is a necessary supplement.
03 Do business owners separate family property from corporate property?
With the development of society and the rise of the Internet, more and more people have started their own businesses, which has also allowed many people to have their own businesses. So, at this time, should the property of the enterprise and the family property be distinguished?
There is a friend around him. Through the powerful Internet effect, he quickly made his first pot of gold. He was selling building materials online, and then he found that contracting projects can accumulate wealth.
So, TA formed an engineering team, became a contractor, and had its own outsourcing company, but TA had no risk awareness and did not expect to distinguish the company's finances from the family finances.
html There was an unexpected incident in 3 days. Once there was a project accident and the compensation amount was large. Since TA was the main person in charge, he involved his personal family property when compensating the funds.
This is what the author mentioned in the book. In the risk of corporate debt, it is necessary to separate the family and the company. If the company has a limited liability system, even if there is a financial problem with the company, the company will use its existing assets to repay the debt and will not involve the legal property of the individual.
Back to the question, Don’t “misunderstand” that the company runs it yourself, just confuse the company’s finances with your own finances. If you encounter financial problems in this way, you will be asked to use your personal assets to repay the company’s debts and bear unlimited joint and several liability. How to avoid risks like
? The simplest operation is to configure employees with employer liability insurance or group accident insurance.
Of course, there is a difference between these two types of insurance. Employer liability insurance transfers the employer's liability liability, while group accident insurance solves the employee's own risks and cannot transfer the employer's responsibilities.
written at the end
In fact, there are too many places in life that need to avoid risks like this. People, I really don’t know which one will come first, tomorrow or accident, and how to minimize risks. This insurance guide may inspire you.
The reason why we have so many people who resist insurance or cannot continue to do it is because we do not have enough awareness of risks and still lack knowledge about insurance.
Insurance covers tomorrow's risks and is the spare tire for the family economy. If financially allow, buy yourself or your family a insurance policy, because the you bought is not only .
