How To Plan Your Own Insurance -- The Worries Of White-Collar Mothers
Xiao Yan, 30 years old, is a white-collar worker in foreign enterprises. He belongs to the type of quality of life.
When she was just a mother, she also had some worries.
忧虑一:
Unexpected medical pressure - after spending a lot of children's family expenses, coupled with inflation, economic pressure is also increasing. At this time, the most feared thing is accidents. Not only are people suffering, but medical expenses are also a great burden.
忧虑二:
The cost of child education is to find solutions to both children's education and their careers.
忧虑三:
Providing for the aged. Xiao Yan is more and more afraid of getting old. He doesn't want to burden his daughter in the future.
专家建议:
Xiao Yan's three worries, we recommended to her the universal product of "creating wealth and winner" of Hai Kang insurance, which can guarantee bottom, have a stable medium and long-term security, satisfy her basic demands, and be a good choice to solve her three worries.
Reimbursement of accident medical expenses - general medical insurance claims will be subject to hospital grade, frequency, amount and other restrictions. The insurance scheme of "wealth generating winner" is not restricted to hospitals. As long as a legitimate business license is established, the main purpose is to provide hospitals with treatment and nursing services to the injured and sick people. At the same time, it is not limited to accidents, including in foreign countries, and without limitation, it can be reimbursed many times a year.
Easy to deal with children's Education - Xiaoyan is now 30 years old, and her daughter is born. If she immediately insured 200 thousand yuan "wealth making winner" financial plan, she could withdraw 5000 yuan from her personal account every year in fifteenth, sixteenth, seventeenth years as the child's high school education fund. In the eighteenth, nineteenth, twentieth and 21 years, she would raise 10 thousand yuan from her personal account every year as a child's University Education Fund, so as to prepare for her daughter's future education.
At the same time, Xiao Yan's pension cost is also guaranteed. When she was 30 years old, she bought the 200 thousand "wealth generating winner" financial plan. If the education fund was extracted, when she was 65 years old, she could choose to receive 1067538 yuan at a time. She could also choose to convert her annuity and get an additional 37364 yuan of birthday gold to increase the account value of the conversion annuity. This provides a better guarantee for maintaining a standard of living after the old age.
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