The social insurance is " protected without wrapping up" Civil servant diagnose the illness offer how the intersection of quantity and body purchase dangerously?

The social insurance is " protected without wrapping up" Civil servant diagnose the illness, offer how the intersection of quantity and body purchase dangerously?
Huai Li retire 5 year early, " used to it very retire just, until busy life getting idle quickly originally, do not know what is done. " Though Li HuaiXian is retired and free at home, still carefree basic necessities of life, there is no trouble of money. Because this one which he held in hands " A secure job " ,Quilt for the moment " A million main forces " Civil servant pursuing it.
However, the following day, Li Huai previous " task " Recuperate the body. Has already lived he of retired life now, the health status of the body but it is not very good, old age such as diabetes, coronary heart disease, hypertension more common disease complete works are in he is one suit, buy consciousness of insurance early years, this make the intersection of daily life and most expenditure of him use up by the medical fee.
In country's civil service examination of 2010 that has already finished, relevant department statistics show, 1,050,000 people compete for 15,000 positions this time, the most hotly competitive position is 4080 suitable persons 1.
As far as reporter know, general young people all think, the employment situation is severe now, many enterprises reduce the staff even go bankrupt, the staff are in a precarious state, and the public affair staff have stability, regard civil servant as the first professional choice.
However, very lack people and pay close attention to the civil servant's health status, civil servant that disease is burdened with after generally retiring first such as Li Huai, not small number. The investigation reveals, most civil servants are in subhealthy state. Most civil servants suffer from the neck, lumbar vertebrae disease in various degree, the morbidity is up to 32%, rank first; Secondly it is fatty liver, the morbidity is 18%.
Sunshine the intersection of life insurance and the intersection of Guangdong and the intersection of Branch and the intersection of Huizhou and centre prop up GuangRong Zheng, Vice President of company, tell, manage money matters the intersection of weekly and reporter, the civil servant faced very great health risk, it was spiritual pressure that stood in the breach, secondly it is health disease.
The social insurance is " protected without wrapping up" ,Serious illness does not submit an expense account after retiring
"There is mistaken idea of a kind of understanding in the society now, always think the welfare of the civil servant ensures more overallly, there is social insurance, one's own guarantee is enough. Is the guarantee that the social insurance offers really overall? The answer is denied. " Zheng GuangRong makes a concrete analysis of the social insurance guarantee that the general civil servant enjoys for the reporter.
"The social insurance that the present civil servant enjoys does not have difference to ensure actually with the enterprises and institutions and privately reaching the foreign enterprise, living out one's life in retirement, industrial injury, unemployment, medical treatment, 5 kinds of insurance of parenting which the unit pays for the staff that social insurance is are referred to as. Endowment insurance begin, get when we have reached retirement age, according to time and amount that everybody pay during the tenure of office being different to there will be some differences. The general person can only get after retirement to about 40% of flat salary of worker's society that year in the locality, and to some high the intersection of income and personage, they might less than 30% of income of they retire, by pension that social insurance get after retirement. This has a problem, if everybody supports parents only by the social insurance, should say it is very difficult.
Many of medical insurance respect, the insurance to the hospitalization costs are limited, only submit an expense account in hospital at first, it and not wipe out expenses of all,at have threshold under binding,and last range of medicines at social insurance for much specific drug and imported medicine, so basically " Protect without wrapping up " ,Once serious illness takes place, the hospitalization cost that individual needs to afford is very heavy. In insurance of industrial injury, mean working time take place industrial injury or worker die, can wipe out or get funeral expenses and pension,etc. only, to non-working time, such as on and off duty, if any contingencies happen, that is compensation without any according to the regulation, it is what's more after retiring. "
" the social insurance is only ' protected without wrapping up ' " ,Zheng GuangRong thinks, a part that the social insurance does not charter, can well remedy through buying the business insurance, similar to Li, cherish such a state first, can buy the business insurance to provide safeguard ahead of time.
It is dangerous that the civil servant purchases dangerous first-selected fixed life insurance and serious disease
A lot of people regard buying insurance as, invest now, there are a lot relations on the influence with the present capital market, "in fact the insurance of the making the investment type is not good, just buying the insurance will have appropriate association and proportion. " Zheng GuangRong says.
GuangRong Zheng list, buy insurance successively in proper order for government functionary, " insurance most important function to provide safeguard, so, we will advise the government functionary to proceed with one's own guarantee at first when buying insurance " .
1,Buy some fixed life insurances first ' Mainly die and ensure) ,Raise own personal value to ensure ' Highest 15 with the annual income- 20 times) ,Solve the worry of the family.
2,Buy health, ensure for oneself ' Guarantee of the great disease) ,The expenses of serious illness are that the social insurance cannot be solved, it is that the general family is different to bear too. Because the fixed life insurance rate is relatively low, and much great sickness insurance has guarantee of dying, so we propose the guarantee that buy the above-mentioned two respects at the same time.
3,Share out bonus the intersection of annuity and insurance or omnipotent insurance, consider the intersection of civil servant and own preparation of pension mainly.
GuangRong Zheng propose, look like Li Huai such civil servant first, should increase unexpected the intersection of medical treatment and these yuan, "should say that basically deal with the clinic in most unexpected medical treatment, the social insurance is not directed against clinic. And yes guarantee which increases the great disease, the heavy hospitalization cost is the social insurance cannot be solved, so need to increase the guarantee of serious illness. "
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