Family property insurance product summary

The family property insurance took the property insurance one kind, is develops in the fire insurance foundation comes.
The modern fire insurance system origins from England. On September 2, 1666, the English London imperial family bakery drying furnace heat, has initiated fire, the fire has continued five days, the London 80% has been approximately destroyed, more than 200,000 people homeless, property damage above 10 million pounds. Is precisely this especially big fire, makes the people profoundly to realize to the fire insurance importance. Second year dentist Nicolay Pakistan loose (Nicholas Barbon) individual sole ownership set up specially to insure the fire insurance the business office, as a result of service

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The development, in 1680 Pakistan loose pooled capital with other 3 people to gather capital 40,000 pounds, has set up the fire insurance company, charged the insurance premium according to the house rent and the textural classification, this method was the modern fire insurance differential rate origin, dentist Nicolay? Pakistan loose (Nicholas Barbon) is explained is "father of the modern insurance".
In 1710 invented the Charlie gentleman which the fire extinguisher was well-known The wave article (Charles Povey) establishes the London insurer insurance company (Company of London Insurers), latter changes name as the sun fire insurance company (Sun-Fire Office), starts to insure outside the real estate the movable property fire insurance, it was "the most ancient insurance company which in the world up to now still existed".
Along with the insurance industry development, the accumulation which the insurer experiences, the insurance contract content and the premium rate computation consummates day by day, has formed today this kind of safe responsibility complete, was suitable the demand to be widespread, has the synthesis safeguard the family property insurance safeguard system.

Safe responsibility

In the owner danger contract term of validity, we undertake thefollowing safe responsibility:First, the accident died the insurance moneyThe insured because suffers the accident injury, and occurs thedate from the accident in 180 days to die, we pay "the accidentaccording to the insurance to die the insurance money", to thisinsured safe responsibility termination.Second, accident disabled insurance moneyThe insured because suffers the accident injury, and occurs thedate from the accident in 180 days to create the owner danger contractto attach "the disabled degree with to pay the proportion table" or"three fever scalds with pays the proportion table" to arrange inorder one of disabled degrees, we arrange in order according to thetable in pay the proportion to ride the insurance to pay "the accidentdisabled insurance money". If treated still the conclusion, had thedate 180th day body situation according to the accident to carry onthe disabled appraisal, and according to the above paid the disabledinsurance money.The insured because the identical accident injury creates "thedisabled degree with to pay the proportion table" and "three feverscalds with pays the proportion table" to arrange in order above thedisabled degree two items, we pay sum of the each disabled insurancemoney. When the different disabled project belongs to the identicalhand or the identical foot, only pays disabled insurance money; If thedisabled project respective disabled rank is different time, pays amore serious project the disabled insurance money.This accident injury causes the disabled merge recently disabled mightthe collar more serious project disabled insurance money, paysaccording to the more serious project standard, front but recently haspaid the disabled insurance money (takes out insurance already troubleor because responsibility avoids item to be the result of "disableddegree with to pay proportion table" and "three fever scalds with paysdisability which proportion table" arranges in order to regard as haspaid disabled insurance money) to be supposed to give to deduct.The identical insured's accident died and the accident disabledinsurance money accumulation pays by this insured's insurance islimited to.Third, the traffic accident died or the disabled special insurancemoneyInsured rides passenger transportation mass transit toolperiod by the passenger status suffers the accident injury, and occursthe date from the accident in 180 days to die, we definite "theaccident died the insurance money" according to first section theamount to pay "the traffic accident to die the special insurancemoney".Insured rides passenger transportation mass transit tool period by thepassenger status suffers the accident injury, and occurs the date fromthe accident in 180 days to create the owner danger contract to attach"the disabled degree with to pay the proportion table" and "threefever scalds with pays the proportion table" arranges in order one ofdisabled degrees, we according to second section definite "theaccident disabled insurance money" the amount pay "the trafficaccident disabled special insurance money".Fourth, accident entire remnant auxiliary insurance moneyThe insured because suffers the accident injury, and occursthe date from the accident in 180 days to create the owner dangercontract to attach "the disabled degree with to pay the proportiontable" to arrange in order disabled degree one of first levels, we getup from the appraisal confirmation date, defers to the insurance 0.2%to pay every day 365 day "the accident entire remnant auxiliaryinsurance money". The insured is receiving the accident entire remnant period died, this insurance money pays the responsibilitytermination.

Health happy family insurance plan

Case: The male master 30 years old, in some development facility work, frequently stay up late to do the research. The hostess 28 years old, some hospital doctor, about the family yearly income 60,000 Yuan, saves are not many, temporarily does not have the children.After the contact, had discovered the customer demand, had found the customer purchase spot. Thereupon acted appropriately to the situation for the male master has designed below the plan.The danger plants the combination: Healthy Le Zenge the lifelong 100,020 years gives for 4,400 Yuan/yearsThe regular life insurance A section 100,030 years give for 420 Yuan/yearsIs for hospitalized the medical subsidy 1 year to give 100 YuanYou talk about because the body not to be good, feared the future disease will be encumbered or comes across the accident, worried the family finance will fall into the difficult position, nobody attendance family. Regarding this we measured the body for you to make to order the insurance safeguard plan, it might provide for yours safeguard safeguards the gold. The disease died or Gao Can: In a year pays 24,980 Yuan; After a year pays 200,000 Yuan. The accident died or Gao Can: Pays 200,000 Yuan.You talked about the new medical safeguard system, is hospitalized the allowance relatively to reduce, worried is hospitalized can give the family finance to bring not the good influence, according to this situation, for has planned the suitable medical safeguard, it is the society plans medical the best supplement. Is hospitalized the allowance every day 50 Yuan, is longest may provide 180 day, total 9,000 Yuan.The adult three big causes of death are the cancer, the heart disease, the encephalorrhagia, between 55 - 65 years old in the cause of death first is the cancer, after you saw very wants to take out insurance the big sickness danger, I specially designed for you increased the volume year by year the safeguard, it safeguarded is..... 1 in the year at the beginning of trouble big sickness pays 14,400 Yuan. After a year at the beginning of trouble big sickness paid 100,000 Yuan + years dividends + end dividend, the dividend increased progressively year by year along with the year, you will be able to obtain 10 times of and even several dozens time of high quotas safeguards.

Why takes out insurance the life insurance

In the multitudinous safe variety, the life insurance became inrecent years popularly. Each insurance company for adapts this newsituation, promotes the new person, the person life insurance inabundance plants, in the past insurance most only several ten thousandYuan, now in order to satisfy the people to the high risk safeguarddemand, the market promoted the insured value to reach as high asabove 500,000 Yuan, even 1 million Yuan new dangers planted, thus had诱惑力.The life insurance comes into demand first is under the new situationthe social security need. Planned economy age, the people all are theend secured job, retired the unit monthly to give the retirementpension, until died, may not say the extra worries. Nowadays thesecured job is gradually broken; Even if in the state-operated unitretirement, the retirement pension very is also difficult to guaranteeon time the full amount provides. The country is establishing thesocial security system, but is impossible to reach one's goalinstantly, or early for oneself planned is the best plan.Next, also is the health and the infirmary must. The traditionalpublic health services malpractice has become people's mutualrecognition, sooner or later must reform, in fact now already wasnominal, in many manpower accumulated on hundred over a thousand Yuanreceipts to be unable to reimburse, each month couldreimburse 100 Yuan medical expenses to the staff the units to make onenot envy already, in case previous needed the factor thousand Yuan,the up to ten thousand Yuan diseases, simply was cannot findway out. Spends the large amount big sickness in particular, owncannot put out, the unit does not report, its outlet only has looksfor the insurance.Finally, the people gradually understood. Takes out insurance on theone hand is one kind of expense, more importantly its investmentsignificance, usually turns in a change, how many year later will beallowed to draw money in every month or to obtain a sum of greatmoney. Some people said that, in the our country true significancelong-term investment, only has the real estate, the stock market andthe life insurance these three kinds. Compares, stipulated accordingto the People's Bank of China, the life insurance interest rate levelmust 7% -9% (present life insurance market be many in the yearcompound interest about 8.5%), therefore the life insurance is onekind quite safe, the safe long-term investment way.

The child insurance escorts the escort for the baby

Insures for the treasure in, is the present many mothers'urgent matters. But, looks the clue numerous and diverse safedocument, listened to clerk's incessant explanation, the sensibleperson also to give does muddled.

Lets us invite a mother - XX, is walking with her, how has a look herbuys the insurance for the treasure.

XX first accessed the net searched one "the insurance company", wantedto make a general understanding, which insurance company had? Whichchildren danger has to plant? Looked at the half of the day, fell inpile of specialized terms, the terminology, or let the expert speakthe child insurance the survey -

As for young father and mother that, little darling's arrivalhas brought the inexhaustible joy for entire family, butsimultaneously also brought the very tremendous pressure, baby'shealth, the education and so on many questions followed on somebody'sheels. "On has old, gets down has small", meanwhile possibly facesbuys aspect the and so on room, charge disbursement, deals with thisaspects the pressure frequently to appear has too many problems totackle. In this kind of situation, purchases some appropriateinsurances for the little darling, lets these insurances escort theescort to the baby, safeguards him joyfully healthily to grow, whenfalling ill can obtain a better treatment and the safeguard, whenreceives educates may enjoy to the corresponding education insurancemoney, lets this family safely happily vanguard, causes you truly tofeel the manner parents' joy.

The safe information - baby insures knows how many

Is born this moment from the baby, father and mother will beallowed to prepare for theirs future, said regarding the majorityperson, the insurance has become one main method, will provide for arainy day. Various insurance company also designed has been richlycolorful meets the different stage child's needs in view of children'ssafe project, moreover at present insures in the market the majorityof dangers to plant to insured's age lowly limits in 0 years old(generally needs to be born full 1 month-long baby), was allowed tosay has relieved guardian's extra worries from the basis. Looked fromthe present our country safe market that, approximately may divideinto three big kinds: The life insurance, the health insurance and theaccident accident insurance, in these kind of insurances all hasspecially aims at the child to design -

1. Health insurance
The baby protects oneself in the babies and infants time torealize badly, the physique also can weakly to the big some children,need father and mother the meticulous concern and the sufficientsafeguard, the health insurance may effectively alleviate father andmother's extra worries in this aspect, 11,000 children unfortunatelycatch an illness, may obtain insurance money, on the one hand mayreduce the family the economical burden, on the other hand may causethe child to enjoy to the better medical service, restores the healthas soon as possible, simultaneously rebrings joyful and is happy. Verymany investigations all demonstrated present father and motherespecially pay attention to baby's health insurance.

2. Life insurance
Baby's education to father and mother said is a very importantinvestment, therefore in the safe market "the children educationmarriage reserve fund is safe" is a comparison the danger whichwelcome is planted, this kind of insurance mainly aims at baby'seducation and gets married and begins a career sets up, so long aspays the corresponding insurance premium, may guarantee grows thedifferent stage in the baby to receive the primary education gold, thesecondary education gold, the college education gold and the marriageeducates the gold. At present father and mother spend in the baby toeducate on the expense unceasingly to rise, have selectively purchasethis kind of danger to plant may reduce the economical pressure in thecertain degree.

Insures the market in the children, but also some kind of veryimportant danger plants - is satisfactory to both sides the insurance,in takes out insurance in the time, if the insured occursunfortunately died, may obtain the corresponding death insurancemoney, if the insured survives to the insurance expires, may obtainthe corresponding survival insurance money, therefore is called issatisfactory to both sides the insurance.
Moreover, our common old-age insurance and the insurance for life allare a life insurance, also may take out insurance in the childrenstage.

3. Accident accident insurance
The baby protects oneself in the babies and infants stage torealize quite badly, the basic total dependence to father and mother'sattendance and the protection, after takes out insurance this kind ofinsurance to be allowed to cause the baby once to have the accidentinjury event to obtain the certain economy to compensate. Father andmother may use judgement for the baby to purchase this kind of dangerto plant, but purchases this kind of insurance certainly not to meanmay henceforth Don't worry baby's security problem, it only is has theaccident after the baby, may obtain the certain economicalcompensation.

At present, each big insurance company all specially aimed at thechild to design many provisions: Has the country long-lived childrenperson with outstanding ability which the Chinese life insurancecompany promotes to insure, the country long-lived children issatisfactory to both sides the insurance, the tranquillity star ofcentury is satisfactory to both sides the insurance, the ally goldencolor time passage is satisfactory to both sides the insurance, thesafe century star light children are satisfactory to both sides theinsurance, peaceful bright future children insurance and so on. Theseinsurances all have own characteristic and the emphasis point, fatherand mother may and need to choose the most suitable insuranceaccording to own economic capacity. The concrete content may landvarious insurance company website perhaps makes the customer servicephone call to carry on the inquiry, seeks suits oneself baby's dangerto plant.

Mother manner - child insurance on-line investigation

"Mother Treasure" the magazine and Sina kiss the child centerunion hold "the child insurance investigation" the resultdemonstration -
1. The majority mother knows something about to the childinsurance, mostly is through insures the agent to understand;
2. Some 93% participation investigation mother already purchased orthe plan buys the insurance to the baby, obviously the mothers allalready realized to the safe vital function;
Middle, plants in the main danger, the mothers mostly favour to thehealthy danger, gives baby's health growth more than 1 guarantees isthe mother strongest wish after all.

The low income family manages finances three big magic weapons

In the real life, some income not high families as soon asmention manage finances, thought it is one kind of luxury goods, theymostly thought the oneself meager income, does not have " Wealth" May manage. Has never realized, manages finances is the matterwhich is bound by a common cause with the life, so long as is good atgrasping " Three magic weapons " The low income family alsohas possibility " A little at a time mounts up " Achieves" Financial free " Boundary.Magic weapon one: Positively contributes money" The income are few, expends actually many " ------This is a question which the present majority low income family faces.Must gain the family " First barrel golden " First mustreduce the fixed charge, namely immediate expends through the reducedfamily accumulates surplus, then carries on the investment with thesesurplus properties. The low income family may list family each monthof each disbursement a detailed detailed list, carefully analyzes itemby item. In does not affect the life under the premise to reduce thewaste, reduces project the as far as possible and so on shopping,entertainment expense disbursement, guarantees each month to be ablethe surplus part of money.Take the housing as the example, said regarding the low income family,the setting at industry most important principle is " Decidesexpenditures on the basis of income " Take lives in contentmentas the standard, prohibited corrupt greatly strives for luxuriously,reduces 购房the funds total amount as far as possible. May considerfirst buys set of area quite to be small, price relatively cheap二手房, from now on through replacement, " To slightly tradesbig " " To old exchanges " Can directly purchase newbuilding to be more relaxed than some.Magic weapon two: Friendly buys the insuranceSerious illness is hospitalized, frequently is several tenthousand Yuan and even several ten thousand Yuan. A big sickness, maylet the family lose everything is even heavily in debt. Therefore, lowincome family in managing finances time needs to consider whetherpurchases insures sharpens the family risk guard ability, shift risk,thus achieved gets rid of the difficult position the goal.Suggested the low income family chooses the pure safeguard or thesafeguard product, by " Healthy medical service class " Theinsurance primarily, take the accidental danger as the assistance.Specially regarding these social medical service safeguard not highfamily, compared with the ideal insurance plan is the purchasesignificant disease healthy danger, the accident injury medicalservice danger and is hospitalized the expense medical service dangerset meal. If really did not plan spends buys the insurance, suggestedalso must buy the share accidental danger in any event, 11,000 has themisfortune, compensates pays also may alleviate some difficulties forthe family. Considered the low income household income very majorityof all uses in the daily life expenditure and child's educationdisbursement aspect, the safe disbursement take does not surpass thefamily gross income 10% as to be suitable, but insures the emphasispoint also should be an adult which acts the home economics prop role,but is not the child.Magic weapon three: Prudent investmentAs for the low income family that, the wage is often lower,cannot stand up to the big eclipse, therefore, before investment musthave the psychological preparation, first must understand investsappraisal which and repays, also is invests the repayment rate. Mustbasically understand the different investment way the operation, allinvestments way all can have the risk, only is the size, but saidregarding the low income family, the security should be mostimportant. Likes investing any, or thought invests any to be good,besides looked whether there is the investment object does invest thevalue, but also must look at own knowledge and the specialty. Onlyunifies own knowledge specialty investment, the risk can be under theactive control.Low income family each month must complete the paying-out plan,besides the normal expenditure, surplus partially will divide intocertain achievement family foundation fund, will carry on theessential investment to manage finances. At present stock, futuresmarket quotation all not too good, moreover risk bigger, the wagefamily risk bearing capacity is lower, may invest the Renminbi tomanage finances the product, the money market fund and the nationaldebt, like this both can enjoy the corresponding interest rate, andmay drop the Shuicheng river.

Family insurance plan

Very many families facing market in type many insurance, acritical moment 有头绪. This needs you to understand some safeknowledge, manage finances the plan to you to achieve the all-roundconsideration, the insurance investment speak the key point. Like thisonly then may obtain the purchase safe best income. Then, how thefamily does purchase suits own insurance?1st, the insurance goal is the investment or safeguards?At present, many insures the danger to plant concurrently has theinvestment and the safeguard two functions. Some insurance companiesare sparely no effort vigorously propagandize so-called "draw bonusthe insurance", lets the person be dazzled, not know how chooses. Saysregarding the family, the medical insurance, the accident injury, theold-age insurance are the danger which mainly takes out insuranceplants, also is the family cornerstone. Once appears the disease orthe accident, compensates the way and the amount which pays all cansupport the entire family the economy and the life. On the other hand,under a present bank interest lower reality, spends buys a not veryessential insurance, also cannot realize the so-called investmentvalue. The insurance main function or safeguards, the family choicehas the actual safeguard the insurance, suits the good way which thefamily manages finances. If did not consider in the life possiblyoccurs the crisis, blind "the investment" is not a risk which thefamily insurance may undertake.2nd, the insurance key point is the parents or the child?A family just composed, often the child has not been born, will haveinsures the salesman to visit positively recommends the danger toplant, lets you future quickly take out insurance for the child. Manyparents because the beloved son is cherished, has bought very manysafe. For instance: The child the important matter which studies, lifeand so on work, marriage grows all arranges appropriately, someguardians also cared for the aged the child have also wrapped, pitifulworld parents heart! But, a family stable is happy is the child healthgrowth key. Therefore, suggested will insure takes out insurance mayput with emphasis on the parents body. May choose, is the parentswhich side income higher, significant in the home economics power,then the family majority of insurances should give him (or her),designs various aspects for it the safeguard, guarantees the homeeconomics to be able the long-term maintenance certain standard. Thus,the family only then likes the harbor.3rd, the insurance pays attention to the host danger whether mayneglect the attachment danger?Many people buy the insurance, all compares the custom to put moreenergy on the host danger careful research, deliberates in every wayon. But possibly does not take or neglects the attachment danger, evenin order to "economizes" do not have to attach the danger. If thefamily makes the insurance plan under, may be first fixed wants anyhost danger, completes the insurance the overall design. After thehost danger determination, may choose and the host danger forms acomplete set or the appropriate attachment danger. Realizes theomni-directional family insurance safeguard like this as far aspossible. Some times, in the family latent crisis is many and varied.But attaches dangerous quite Yu Chaozhi the commodity, if isappropriate with the host danger combination, the family possiblyobtains the extremely high safety control, certain dangers also maycontinue to the insurance premium fully pay or the lifelong.Therefore, in family attachment danger choice time wants cautious key,attachment danger some times may quite several main dangers. Thefamily buys the insurance, might as well requests the agent in detailto introduce all attachments danger the charge, the safeguardsituation, take the customer danger the condition.4th, the insurance can get it over and done or this at the rightmoment adjusts?The composition family, may say is a life big significant transition.Had the family, you possibly can face are undertaking the loan to buythe room, the children foster education and so on the significanteconomical burden. Many people unmarried when also buys certainold-age insurances to attach the accidental danger, whether then mayget it over and done? Possibly like this is not good. First, just likeabove said, if took the family the cornerstone, the insurancenaturally needs to stress on him (she), supplements some insurances ismay; Second, if you already bought the room, but also was pressinguncovers 购房also to loan the period. That also must the manyattentions increase insurance. Family when difficulty, may have asafer safeguard. May buy some attachment accidental dangers for thefamily, the deadline may with also loan the time to be same,compensates pays the amount and loan money sum quite; Third, after thechild is born, the parents safeguard may mainly take out insuranceoneself, the source of income has been safe, the child can safelygrow. The parents also may adjust own as necessary partial insurances,for instance the increase accident injury and the accident diedcompensates pays the amount, after avoids the accident occurring,child's growth expenditure can because of change reduces.