2023-04-26 03:28:44
The most popular Korean dramas in recent years are quite delicate and realistic in their characterization. In addition to the themes of family and love, there are also in-depth descriptions of the life of professional women in the new era facing the “dilemma” between family and work. Qi Qiyan~ Like “Crash Course in Romance”, which has been highly discussed on the Internet recently, the heroine in the play shoulders the responsibility of family care and financial burden, just like a portrayal of your real life, I really feel the same!
The Xiaohua platform thinks from the standpoint of women, and strongly appeals: While working hard to make money and take good care of your family, more importantly, you should also take good care of yourself; in terms of insurance planning, in addition to the most basic life insurance and accident insurance, face-to-face For the unavoidable diseases, long-term care, retirement and other life issues that you and I will encounter, it is recommended to strengthen the four major protection plans as soon as possible, such as medical insurance, cancer insurance, major injury insurance and long-term care insurance, so as to cope with possible future risk.
Suggested types of insurance 1. Hospitalization day amount type + actual payment type medical insurance
First of all, it is recommended that women give priority to hospitalization and out-of-pocket medical insurance, which can reduce the burden of hospital care expenses, and secondly, can also subsidize the loss of wages when they are unable to work during hospitalization; especially out-of-pocket medical insurance The biggest advantage is to make up for other medical miscellaneous expenses, such as surgical expenses and self-funded medical materials, new drugs and other expenses. “By “paying what you pay” to transfer the risk, you can choose the medical service that suits you more flexibly, so as to Improve the quality of medical care.”
Suggested types of insurance 2. Cancer insurance
Secondly, as cancer is getting younger and younger, it is recommended that the female group deploy cancer insurance or major injury insurance in advance; among them, cancer insurance may wish to give priority to planning “multiple payment” cancer insurance. In addition to the first-time cancer payment, as long as the cancer needs After treatment, you can apply for claims once more, which not only relieves the pressure of huge medical expenses faced by long-term treatment, relapsed or metastatic cancer patients in the process of fighting cancer, but also eliminates the need to worry regarding the burden of insurance premiums following cancer.
Suggested insurance type 3, major injury insurance
Third, when it comes to major injury insurance that has been popular among the public in recent years, in addition to its wide coverage, clear claims determination, and lump-sum payment of claims, it is widely favored. When the national health insurance issues a major injury certificate, the insurance policy will settle the claim. In addition, cancer is also within the scope of major injury and disease claims. Major injury insurance can be used to supplement cancer protection, which is quite beneficial to policyholders.
Suggested types of insurance 4. Long-term care insurance
Finally, considering that the average life expectancy of women in China is higher than that of men, and they may live alone for 6.5 years, and the number of years of unhealthy survival exceeds 9 years, it is recommended to arrange long-term care protection as soon as possible, make good use of long-term care insurance to make up for the protection gap in a timely manner, and face-to-face Only when the sudden long-term care expenses come, can they “support” long enough, and at the same time reduce the financial pressure of family care. “People can apply for long-term care insurance in advance according to their own needs and budget considerations, so that their lives will be stable and worry-free.”
After understanding the four major security planning suggestions for women, the Xiaohua platform warmly reminded that with the increase in the labor force participation rate of Taiwanese women, the proportion of female heads of economic households has increased significantly. However, even if they are as engaged in the workplace as men, women are still the mainstay of most Taiwanese families. Caregivers, “play multiple identities and roles in work, family and life at the same time, make preparations early, transfer risks through insurance, so that one’s life can be worry-free, and one’s wealth can be grasped in one go!”
★Extended reading★
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