Many families now have insurance awareness gradually, but because the family income is relatively low, it is also weak to buy insurance. Always afraid of spending money. So you know how low-income families should buy insurance?
Now many families are actually insurance-conscious, but because the income of the whole family is relatively low, they are afraid to buy insurance easily, and they are always afraid of buying insurance that affects their lives. Then you know, low- and middle-income people.
How do you buy insurance for your family? Here’s what we heard from experts.
There is such an endless loop that the more wealthy people buy insurance, because this shifts the risk of their own disease or accidental risk to the insurance company, so the rich will always have money; the more money less people, The less we dare to buy insurance, but once the disease or accident arrives, the high cost of treatment will only make the family more impoverished and worse, so the poor will only become poorer after a disease or accident. Therefore, low-income families have more insurance coverage.
How to buy good insurance?
- Focus on insured when buying:
When selecting insurance targets, the top pillars of the family should be placed first, because once the top pillar is sick, the family’s economic resources will be broken. Therefore, a medical insurance should be insured for the top pillar and an accident insurance should be provided for the top pillar. It is also very necessary, especially for those who are engaged in more dangerous industries, and those who often need to go out and should take out an accident insurance in a timely manner. Next is the elderly and children at home, you can choose insurance related to the elderly and children, such as an insurance company in the elderly fracture insurance, student child insurance and so on.
- Pay attention to the protection when purchasing:
For low- and middle-income families, every penny is required to be used at the same time. Therefore, regardless of who is insured or what type of insurance is chosen, it must be based on protection because insurance is mainly aimed at protection. It is cheaper than insurance that saves and saves again. Therefore, buying insurance coverage is the first priority, and investment-based insurance should not be considered.
Through the above introduction, I believe we have a certain understanding of how low-income families buy insurance. Do not think that your family income is low, and ignore the importance of an insurance, no accident or disease insurance is the icing on the cake. , And when there is an accident or illness, then insurance is a charity, a life-saving insurance.