Indeed, your idea is very good, and you must not be a simple person in the future.
Yes, the main purpose of your insurance is to save money. A little accidental protection?
How long are you going to keep it? The insurance period is generally longer.
Accident protection is easy to solve. One accident card is enough. 100 yuan/card. An insurance liability is: accidental death and disability of 654.38 million yuan (200,000 yuan on legal holidays), accidental medical treatment 100 yuan (100% compensation, 50% exemption), and accidental hospitalization allowance of 35 yuan/day. Aircraft accidental death, 400,000 disabled, 200,000 trains and ships.
The insurance period is one year.
Low premium and high insurance coverage mainly solve personal accidental medical treatment, while some social security services do not pay for accidents. After accidental death, they can leave 65,438+10,000 to their families.
Is the fund scheduled to vote? If you understand the recent financial crisis, it is strongly recommended that you don't buy stocks or funds. You can choose insurance and banks.
If you are in Chengdu, you can talk to me. I hope I can help you.
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Luo you 07 17 . blog . 163/
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Question 2: Do college students want to buy insurance? What kind of insurance should they buy? The purpose of college students buying insurance is definitely to have a sum of money to treat or compensate for accidents, and to leave a sum of money for their parents to prevent their own tragedies. But everyone's understanding process is different. In fact, the best way is to invest in yourself and improve your ability to protect yourself and your family. There is an authoritative person you can know, and you can learn more about him, that is, "Mr. Junbao" is helpful. Now the Internet is very popular, and you can easily find him online. Good luck in the Year of the Horse and all your wishes come true!
Question 3: What is the employment insurance for college students? Countermeasures to solve the employment difficulties of college graduates
The idea of college students' employment insurance
The concept of college students' employment insurance refers to an insurance business in which the insured (college graduates) are still unemployed for a certain period after graduation (such employment includes successful postgraduate entrance examination and going abroad) and pay the insured's insurance money in one lump sum or in installments according to the contract.
1 Employment refers to one employment (excluding entrepreneurship). 2. Applicants should be willing to work.
The reason why the insured is unemployed is due to the objective environment, their own conditions and employment intention.
The Development Background of College Students' Employment Insurance
1 It is an inevitable trend that a large number of college graduates are unemployed (macro situation).
2 fierce competition makes the employment risk of fresh graduates increase (micro-aspect)
Some unemployed graduates need financial assistance in life and job hunting.
4. Promote the allocation of social resources and risks (risks that need to be allocated)
5. The social security system is imperfect (there is no system to protect college students) and the continuous influence of educational policies (enrollment expansion in colleges and universities)
The Significance and Function of College Students' Employment Insurance
1 For individual students (with financial support)
A support for living expenses and job-hunting expenses (reducing family burden) B reduce anxiety (equivalent to getting a fixed income every month)
2 pairs of * * *
A reduce the economic burden (make up for the imperfection of the security system) B make up for the imperfection of the education system.
3 to society
A, realize the optimal allocation of risks and resources; b, maintain social stability; c, use insurance funds to create more employment opportunities.
4 pairs of colleges and universities
A supervisory role (verifying employment rate and other information) B agency income (agency insurance) C information feedback (student insurance situation reflects students' employment confidence)
Demonstration of insurable risk
First of all, insurable risk is pure risk (only the possibility of loss, no possibility of profit)
What college students lose when they are unemployed is the opportunity cost-including the salary and work experience after employment, which is far greater than the insurance money they get when they are unemployed.
Second, the occurrence of risks must be accidental. (Possibility and uncertainty of occurrence)
Every graduate may not find a job.
B the reasons for not finding a job are unpredictable (because in the long run, hot majors such as finance will be greatly affected by the financial crisis)
C. The degree of influence of some factors on employment is uncertain (such as unpopular major and physical illness).
In addition, employment insurance does not cover the inevitable risks (that is, the insured students are obviously unable to find employment, or the possibility of unemployment is very high through a series of standards).
Third, the occurrence of risks is unexpected. The so-called accident is caused by people's intentional behavior. Intentional behavior is easy to cause moral hazard, which is prohibited by law and contradicts social morality; In addition, the occurrence of risks is unpredictable by all parties concerned.
A The vast majority of the insured are willing to take up their jobs and do their best in the process of taking up their jobs (that is, unemployment is not the intentional behavior of the insured).
B college students consciously prepare for finding a job in the future because of their own considerations (such as studying hard and improving their own quality)
Fourth, the risk must be that a large number of targets are likely to suffer losses.
Unemployment is a common risk for college students, but in fact only a few people are unemployed.
Fifth, the risk loss must be measurable in money.
In the opportunity cost of unemployment, we can estimate the amount of wage loss after unemployment.
Research on Employment Insurance Demand of College Students
Measure demand through employment data and market survey.
Employment data include: the number of graduates from University A (the number of key undergraduate students, the number of two undergraduate students and the number of three undergraduate students) and the employment rate data over the years.
Expected employment rate
Market research: willingness to buy insurance; College students' acceptance and views on employment insurance.
Demand classification: (with two factors as the main reference: whether A has the advantage of job hunting and whether B has family economic conditions)
1 Graduates with advantages in job hunting and poor family economic conditions (most sought after and recommended)
2 graduates with advantages in job hunting and good family economic conditions (the third demand)
3. Graduates with no advantage in job hunting and poor family economic conditions (the demand is second and subsidies are needed).
4. Graduates with no advantage in job hunting and good family economic conditions (the third demand)
Generally speaking, graduates with poor family economic conditions need employment insurance more, because once they are unemployed, the family burden is relatively heavy.
Other factors affecting demand: risk expectation (macro ... >>
Question 4: What schools do college students need to apply for insurance at school?
Just listen to the school
Question 5: What insurance do college students need? To buy insurance, social security is the first choice, and then you can consider commercial insurance. Commercial insurance should first consider health, then consider pension and so on.
Question 6: What insurance should college students buy? College students must buy accident insurance, the premium is low, but it is very useful; College students' economic strength is not strong, so they can choose to buy term life insurance and serious illness, with low premium and high insurance coverage.
Question 7: What kind of insurance do college students need to buy, and which is the most suitable accident insurance? For parents, it is a happy and worry-free thing for their children to go to college. The good news is that children grow up, but the worry is that it is inevitable to let children go to another strange city to study and live alone. In order to reassure your daughter to go to college, I suggest you plan a perfect insurance plan for your daughter in advance. What insurance do college students need to buy?
The insurances suitable for college students include personal accident insurance, health insurance and life insurance. In terms of health protection, we can give priority to college students' medical insurance, improve her basic medical insurance at the most affordable price, and then choose the appropriate commercial health insurance for her according to the health protection gap. For the same commercial insurance, you will get at least 15% discount when you buy it through Huize.com, which is the best channel for you to choose cost-effective insurance. Individuals who want to fully protect college students can refer to the following insurance schemes:
1. Unexpected risk is the most common risk factor, so you should buy accident insurance first. This kind of insurance costs little and is suitable for all people.
2. Health risk is another aspect that should be paid attention to besides accidental risk. On the basis of accident insurance, major illness and hospitalization medical insurance products can be added.
3. On the basis of the above two aspects, we can do some life insurance to strengthen college students' sense of family responsibility. Plan an insurance plan for my daughter who is going to college. In addition to accident insurance, you can also choose health insurance and life insurance. Huize.com is an e-commerce platform that provides professional insurance and plans. You are welcome to buy. Recommend the following products for you:
Auspicious year comprehensive accident insurance
PICC Life carefully optimizes term life insurance.
Question 8: What insurance should college students buy for internship? Insurance products suitable for college students' internship are 1. Although college students are much more mature than middle school students, they often ignore their own safety and should give priority to accident insurance. 2. Basic medical insurance for college students. The basic medical insurance for college students belongs to the medical insurance for urban residents. According to the standard of 40 yuan per person per year, if there is any balance in that year, it can be carried forward to the next year for continued use. 3. If economic conditions permit, college students can consider critical illness insurance, term life insurance, and finally dividend or universal insurance for financial management. Internship students need to find a professional platform and professional insurers to buy insurance, and then through communication, let them design a protection plan for you according to your own characteristics. I suggest you refer to Huize. This will be your best partner. Huixuan-Taiping Shi Sheng Comprehensive Accident Insurance (Diamond Plan) coverage: * 200,000 ordinary injuries * 50,000 accidental medical treatment * The accidental hospitalization allowance is as low as 328 yuan.
Question 9: What materials do college students need to apply for medical insurance reimbursement? Id card, household registration book, medical insurance card, medical invoice, hospitalization certificate and so on.
Question 10: what certificate do you need to take for college insurance major? Insurance agent qualification certificate, simple but necessary.
Insurance broker, this has just started and will be very useful in the future.
Insurance financial planner, insurance financial planner, pretending to be 13, is not authoritative and unnecessary, but something is better than nothing.
Insurance actuary, the top qualification in the insurance industry, closed for registration on the 8th. If you want to experience it quickly, he can make you walk out of the examination room crying. At present, less than 1 1,000 people in China have passed. If you can pass, you will never worry about this problem. This qualification is required by all financial industries, including banks, securities and so on.
If you want to study accounting, I suggest you start this year's accounting exam at once, and then prepare for the eight-year war of resistance at the elementary-intermediate-advanced level. It's good to be an accountant in the insurance industry.
These certificates can be applied at the university level. There is also a kind of certified public accountant in the accounting industry, who can only apply for the exam after obtaining a bachelor's degree, but this qualification can only be obtained from accounting firms, and certified public accountants also have recruitment, but it is not a professional title qualification. As soon as you enter the unit, you must take the junior high school entrance examination.