Whether it is a high income or low income families have the need for financial management, which is for the reasonable allocation of family assets, the following look at the monthly income of 8000 yuan family how to carry out insurance finance.
Mrs. Liu my family's monthly income of 8,000 yuan, and every month to repay the loan of 800 yuan. Family members include my husband and I, as well as my two-year-old son, and I hope that the annual premiums will be controlled at about 8,000, what kind of insurance is good to buy?
Insurance financial planner Liu Pin: First of all, adults are the umbrella of the child, so the key to do a good job of Ms. Liu couple's protection. Preferred inexpensive accident insurance, and then consider health insurance. Health insurance can be a return and dividend health insurance, although the price is high, but the protection time is long, there are dividends; you can also consider the consumer type of term health insurance, the rate is low, the coverage period is generally paid to when the insurance to when there is no return. Secondly, small children 0 to 4 years old between bumps and headaches are commonplace, so it is necessary to buy an accident insurance for the child, including surgery hospitalization comprehensive accident insurance can be a good solution to the child's medical treatment of minor illnesses. What are the accident insurance policies with accidental medical treatment? Which one has more coverage? Which one is worth buying? Let's take a look at the latest list! Ranking of popular accident insurance policies from national insurance companies!
Mr. Wang I am a driver, foreign account, currently in addition to some of the commercial auto insurance, did not buy other insurance, I would like to buy a what insurance?
Insurance financial planner Zhao Qing: Some commercial auto insurance has coverage for drivers, but this coverage is still not enough. If Mr. Wang does not have basic insurance such as social security, he is advised to consider health insurance and accident insurance, with additional hospitalization medical care, the premiums for these policies are not very high. Mr. Wang can also take out other types of insurance according to his actual situation, but the premiums should be controlled within 10-20% of his income, so as not to affect his normal life.
Miss Deng and I were dismissed by our company a few days ago, when the boss gave us some severance pay. However, I heard that we can still receive unemployment insurance benefits, can we ask the company to receive unemployment insurance benefits?
Insurance financial planner Zhao Qing: The severance pay is a subsidy given by the unit to the person who is dismissed, while the unemployment insurance benefits are paid by the social security. If the company has purchased unemployment insurance for you, then you can apply to the social security department to receive unemployment insurance benefits after dismissal. For the health insurance reimbursement strategy, I just happened to organize the relevant content, I hope to help you: 2020 national social security health insurance application reimbursement process!
Police tip: a family family financial management, must first sort out the family property, and then determine the financial goals, and then in accordance with the "first adult, after the child; first accident medical, and then the education of financial management," the principle of financial planning.