" overwork very much " Become younger It is bought early that serious disease is dangerous

" overwork very much " Become younger It is bought early that serious disease is dangerous
The news that a lot of young and middle-aged stars passed away due to illness, has made great sickness insurance paid close attention to more recently.
Serious disease ensure generally defining as, guaranteeing expenses of medical treatment supplementary supplementing incoming, losing and supplementing, recuperating three respect later stage. Basically incomes which looks at the customer are different and different for the guarantee amount of the serious disease, it is different and different to look at the medical expectancy treatment enjoyed.
The middle aged crowd can ensure the economic stability of the family to buy the full-amount great sickness insurance, should the better buy early. Because once suffer from great disease, not merely can reduce the hospitalization cost to bear, can also ensure the family to stabilize incomes.
A dangerous great purpose of serious disease is " Let people live on "
The first great sickness insurance products with modern significance appeared on the South African market in 1982, put out at first by a life insurance company named Crusader, and sweep the whole market in next year. The ultimate liability in the clause includes: Myocardial infarction, cerebral apoplexy, cancer, coronary artery make a detour surgery.
The promoter of the great sickness insurance is a cardiac surgeon in South Africa, he save a lot of life of people through operation, most patient to live is no better than to die because of the heavy hospitalization cost at the same time. He finds that it is far from enough to save simply from body finally. He think need one new the intersection of insurance and products come, protect those, survive people that get off behind suffering from great disease. Under his initiation, the great sickness insurance has appeared, thus has offered the guarantee that can benefit during existence to the persons who insure. This doctor has said so: "People need the reason of insurance not only because people will die, because people will need to live on. "
People suffer from the probability of serious disease and exceed 70%
The essential feature of great disease is as follows, it causes the patient to work normally, viability to drop, very person influence kinsfolks that serious; Will last longer period, even permanent one, difficult to cure; Need to treat comparatively complicated medicine or surgery, and pay the expensive hospitalization cost.
Pay the great amount of hospitalization cost cost because of disease state or disease treatment for the assured in main use of great disease, give after the ill the assured offering the economic guarantee, prevent its family from getting into a difficult position economically as much as possible.
The emergence probability to that great disease is total, there is not an accurate statistic on medical science at present. Until every single the intersection of disease and morbidity in crowd calculate, people suffer from " great disease " finally in all one's life at present Probability may in 70%-80%.
Because of environmental pollution, diet, psychological pressure and bad habits and customs reason at present, the younger trend appears in the morbidity of the great disease, the cancer morbidity of our country has risen by 71% in recent years, mortality has increased by 29.4%. Mere malignant tumour has illness coming on every year the example counts and reaches 2 million, the death is probably 1,300,000.
There is expenditure of huge medical fee while people can't work normally in great disease, the great disease treatment expenses are very surprising at present: Malignant tumour treats the expenses of 300,000 yuan; Myocardium infarction finds that treats 50,000 yuan in early days; The blood vessel replies 200,000 yuan of open operation; Cerebral apoplexy sequela costs 100,000 yuan; Chronic renal failure is washed each of kidney 500, twice every week, change 300,000 yuan of kidney.
In intellectual's most centralized Beijing, the intellectual's average life span is 75.85 years old lower by 20 many years olds than the average life expectancy in Beijing. 134 scholars passed away among year of Chinese Academy of Sciences, Peking University five, the mean age is 53 years old. According to " 2006 talent's blue book " that the Chinese Academy of Social Sciences releases: It is here that 70% of the intellectuals walk " Overwork very much " Edge.
Purchase serious disease dangerously and assess the economic situation first
It is already secure to buy serious disease strategically locatedly and difficultly of access and assess first. Should consider economic situation, unit welfare of oneself to ensure first, what is it to estimate out the guarantee that has at present, and then suppose that suffers from the amount of money that disease needs cost unfortunately.
The expenses mainly come from three parts: At one's own expense hospitalization cost that social insurance does not wipe out under hospitalization cost first, and can submit an expense account, need part that pay for itself partly. The amount 170,000 of submitting an expense account of the social insurance at most, it is paid that 1300 yuan arises, probably submit an expense account the proportion is 85%. Probably need supplementary about 100,000 in this expenses; Second compensation of income, that is to say, fall ill in this period of time that can't work in the customer, the income stagnates or reduces the losses brought. Generally suffer from the break when serious disease takes more than in 2 years at least; Third recuperate expense later stage, for example take the nutriment, please partial to workers, physiotherapy,etc., general minimum cost is about 4 to 50,000 yuans.
Suppose one the intersection of annual income and yuan of white collars, can estimate, appear most low to need serious disease that buy it ensures the amount of money to be 350,000 yuan by inches in advance according to three direction of cost these.
Easy to confirm after ensuring the amount of money, and then begin to analyze the economic conditions of the family at present, premium that invest generally it takes gross income to be 10% less than every year in family, net balance 30% less than in every year such as family, would not cause very large pressure to the family economies.
Serious disease is dangerous in the market at present, can be divided into comsumption-based products and returning product two classifications. The returning products are divided into three kinds again, including: Expire and return the premium, expires and returns premium, products of lifetime time limit. It is suit young people to buy that comsumption-based product are more cheap generally, 30 -year-old men insure 350,000 guarantee, probably need only the premium of 3000 yuan every year. It is comsumption-based, return to premium, four disease types dangerouses serious all the life on premium, it return to according to too if ensuring, the premium proportion is 1: 2: 3: 3.2.
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