"Mortgage" health insurance, don't forget the protection of the first heart
People's health is always possible to get sick, then the sick will go to the treatment. A cure must be paid for by someone. Then there are only two kinds of people who pay the bill, themselves or others. The best option for getting someone else to pay is commercial insurance, none of which. Because commercial insurance allows us to have both the ability to pay and the dignity.
The essence of insurance is to make up for the financial loss caused by the personal risk of the family. Therefore, to do a good job of customer's family life protection, has always been the cornerstone of my career. A family, no health care, is what we call "naked running".
Severe illness, as a persistent and huge financial loss in the disease, requires the face of higher medical costs. Medical expenses lasting 1-3 years, 3-5 years of rehabilitation costs, treatment and rehabilitation of income loss, post-rehabilitation income loss, post-health expenses, post-rehabilitation care costs, long-term fixed expenses of the family, such as a series of financial gaps, need to be covered by serious illness insurance.
Well, serious illness insurance is actually a "mortgage" applied to insurance companies. The first reaction to "mortgage" should be to buy a property or a car. Have you ever thought that in fact, our insurance is also a "mortgage" model? Today, i saw the new understanding of insurance by the former bankers as I reviewed Mr. Zhang's mortgage health insurance course.
In fact, such a "mortgage" insurance, many people can easily understand a payment period of 20 years or even 30 years of long-term health protection. Understand that severe illness insurance uses the role of financial leverage to plan financial arrangements to address possible financial risks.
Medical insurance and serious illness insurance have their own emphasis, different functions, can not be replaced, insurance is not a single product can solve the problem, reasonable configuration in order to better play their respective roles.
Combined with the integration of financial instruments, the configuration of pre-, during and after-the-fact, the formation of a more appropriate family risk protection mechanism.
Insurance surname "insurance" is the cornerstone of the insurance industry, but also its role and significance of the core function. As a practitioner, I am also committed to improving my professional skills and addressing my clients' family security needs with more rational solutions.
