五個不需要的保單計劃 (今天yahoo news說的，真的是這樣嗎？)

要活得漂亮

http://sg.finance.yahoo.com/news/5-unnecessary-insurance-policies-003640375.html

风险管理是保险的基础上。对不确定的未来的恐惧，建立对灾难的财务保护的需要。然而，最近，我无意中发现了一篇文章，提供某些类型的保险是不必要的原因。这里提到的五个不必要的保险：

Risk management is the basis of insurance. Fear of the uncertain future creates the need for financial protection against a catastrophe. However, I recently stumbled on an article that provides reasons why some types of insurance are unnecessary. Here are the five unnecessary insurance policies mentioned:

1。按揭保险

全面覆盖，而不是专注于刚刚还清房贷，应予以考虑。此外，大多数企业提供大额折扣。有长远的计划，反映按揭保险，而不需要您提交按揭文件，并修改一切，当你改变居住提供减少覆盖。


1. Mortgage insurance
Instead of focusing on just paying off the mortgage, holistic coverage should be considered. In addition, most companies provide large sum discounts. There are term plans that mirror the mortgage insurance coverage, providing reducing coverage without needing you to submit mortgage documents and revising everything when you change residence.

2。综合汽车保险

大多数司机选择低过剩和更高的过剩，而不是第三方计划的全面计划。与汽车保险费的成本上升，这是你的利益做一些计算，如果它是值得付出的最大的覆盖范围既一只胳膊和一条腿。考虑过剩时，考虑的金额，你是舒适到餐桌，次年牢记，一旦提出索赔，保费将天空火箭。例如，如果你选择了超过500美元和1000美元的索赔提交，你的下一个保费可能是1500多美元，并可能会失去您的无索偿折扣（NCD），所以它是有意义要求或支付自己吗？在这种情况下，为什么不调整过剩和少付的保费？


2. Comprehensive motor insurance
Most drivers opt for low excess and a comprehensive plan instead of third party plan with higher excess. With the rising cost of motor insurance premiums, it is to your benefit to do some calculation if it is worth paying both an arm and a leg for the maximum coverage. When considering excess, consider the amount you are comfortable to fork out, keeping in mind that once a claim is submitted, your premiums will sky rocket the following year. For example, if you chose $500 excess and a claim for $1,000 is submitted, your next premium may be $1,500 more and may lose your No Claim Discount (NCD), so does it make sense to claim or pay yourself? In that case, why not adjust your excess higher and pay less premium?

3。儿童保险

保险主要是设计为您的家属的安全网。由于孩子们没有家属担心，从技术上来说，“责任”，主要关注的是为他们日后的生活开支节省。当然，最重要的是有足够的住院费用计划，并检讨与家长的覆盖，此外，这种新的依赖第一。

3. Child insurance
Insurance is mainly designed as a safety net for your dependents. As children do not have dependents to worry about and are, technically speaking, a "liability", the main concern is saving for their future living expenses. Most important of course is to have an adequate hospitalisation expense plan in place and to review the parents' coverage with the addition of this new dependent first.

4。信用卡保险

采购范围，支付该法案，在事件中，你不能是纯粹的额外开支可能已经支付该法案在首位。您将节省保费以及债务利息。你甚至不应该有债务 - 时间还清帐单将是最审慎的态度。


4. Credit card insurance
Purchasing coverage to pay the bill in the event you cannot, is purely an additional expense that could have gone to paying down the bill in the first place. You will save on the premiums as well as the debt interest. You should not even have the debt — paying off your bills on time will be the most prudent approach.

5。重大疾病保险

一个全面的住院治疗费用，伤残收入保险和收入替代计划，而不是试图掩盖在世界上所有可能的疾病，可能是新的疾病甚至不知道还应该强调第一。

选择保险的时候，有这么多的政策选择，和他们所有的成本钱。有没有点好钱浪费在不太重要的补充，没有得到充分解决的根本基础。你知道所有可用的政策或你依靠保险推销员只推荐那些高佣金产品吗？


5. Critical Illness Insurance
Instead of trying to cover all the possible illnesses in the world and possibly new illnesses not even known yet, a comprehensive hospitalisation plan for treatment cost and disability income insurance as income replacement should be emphasised first.
When choosing insurance, there are so many policies to chose from, and they all cost money. There is no point wasting good money on less critical additions when the fundamental basics are not adequately addressed. Are you aware of all the available policies or are you relying on your insurance salesman to recommend only those high commission products?

tiramisu83

楼主用google translate？
我是觉得creditcard insurance不用买咯，多余的

Angle...

楼主用google translate？
我是觉得creditcard insurance不用买咯，多余的
tiramisu83 发表于 4-4-2012 01:21 PM

赞成！！
赞成！！
赞成！！

要活得漂亮

楼主用google translate？
我是觉得creditcard insurance不用买咯，多余的
tiramisu83 发表于 4-4-2012 01:21 PM

    因為我英文差

kwc1166

最新消息吗？

要活得漂亮

最新消息吗？
kwc1166 发表于 4-4-2012 03:42 PM

    美國的新聞

kwc1166

应该这里还没这么成为大众化。

babay1988

回复 2# tiramisu83


非常同意！


Credit card是在你急需要的时候才用的。
如果是因为你花费太多的话，那你就应该检讨自己了。
滥用credit card =害了自己！
买什么保险都沒有用！

qqsnoopy

赞成。。。Credit card 保险不需要。。。

CRon7

要活得漂亮 发表于 4-4-2012 01:52 PM
因為我英文差

英文差可以叫我帮你翻译。
https://translate.google.com/?hl=en&tab=wT#en/zh-CN/

nicki218

credit card insurance不需要，其他的我觉得还是需要的。

liverpool07

tiramisu83 发表于 4-4-2012 01:21 PM
楼主用google translate？
我是觉得creditcard insurance不用买咯，多余的

非常赞同。
除此之外， 我觉得儿童保险也不必要。
其他的，我不觉得不需要。

大棵呆

我原本看中文的变成要去看英文