Life will never give you mercy because you are already difficult, money is given to those who do not lack money, love is given to those who do not lack love, and suffering is given to those who can bear hardships. Why is it that most of the people in the news who are crying because of illness or returning to poverty because of illness are the people at the bottom? Is it because they are particularly susceptible to illness that they are a cause for concern? It is only because of their powerlessness in the face of accident, illness, and death that it is especially regrettable... People often say, "I don't like insurance." Actually, I don't like it either. It's the same: no one likes medicine, but why take it when you're sick? Out of necessity. Insurance is not bought by rich people, because there is no money, we should buy insurance, the rich to protect their homes, the poor to buy security. Because poor people have low incomes and little savings, they are less resilient to risk. Therefore, we should plan insurance protection in advance, so that when risk events unfortunately occur in the future, we can also have the confidence to contend with them. And the most suitable for the poor four kinds of insurance I also listed for you, respectively, millions of medical insurance, serious illness insurance, accident insurance, term life insurance, let's expand to say:
1, serious illness risk - million medical insurance: can reimburse medical expenses that can not be taken care of by medical insurance, follow the principle of loss compensation. Large medical costs, anti-cancer drugs, etc., can be reimbursed through it, and the amount of insurance for some products is even as high as millions.
2, serious illness risk - serious illness insurance: If you suffer from a serious illness, how much insurance you can buy will be compensated. This money can be used for discretionary purposes, such as loss of income during illness, and nutrition for subsequent rehabilitation and treatment.
3, accident risk - accident insurance: protection of disability or death caused by accidents, practicality is very strong, with a lower premium can leverage a higher amount of insurance, the leverage is very high.
4, early death risk - term life insurance: especially the old and the young, carrying the economic pillar of mortgage and car loans to focus on. In case of unfortunate death, you can leave a sum of money to your family to protect your family's living expenses for the next 3-5 years.
The four most suitable insurance for the poor each has its own characteristics, each has its own role, it is recommended that we can best match these four types of insurance under the conditions permitted. Insurance can't eliminate risk, but it can give us the confidence to deal with it, so that we don't feel guilty about getting sick, and so that we can be more prepared for an unpredictable future.
