家庭保險配置的正確方式

xianzaihenduojiatingyoulebaoxiandeyishi，kaishiweilejiatingdebaozhangqutoubao，danshiyaozhidaobaoxianyebushikeyiyilaoyongyidefangmian
，womenxuyaojiehezijidejiatingshouruzhuangkuanghejiatingchengyuandefengxianzhuangkuang，helidejinxingjiatingbaoxiandepeizhi
，bingbushishuowomailebaoxianjiuhaole，zhong點在於是不是買對了保障。

配置理念一：先成人再兒童。

配置保險有一個非常重要的原則，即“先大人、後小孩”。

購買保險主要是為了轉移未來20年或30niandedafengxian
，zuoweijingjidezhizhu，jiatingfudanxiangduijiaozhong，erqieyouxiaoyoulao。haiyouzhaiwu，rudiyadaikuanheqichedaikuan。ruguozhexienianchuxianwenti，duizhenggejiatingdedajikenengshizhimingde。yinci，goumaibaoxianbixushouxianbaohujingjizhizhu，shouxianshichengrenheertong。darenyoubaozhangshihaizizuidadebaozhang，shengbingdebaoxiangongsigeiqianzhiliao，jixubuhuiyingxiangshenghuo，haiziyouqianjixuguoshanghaorizi，caiwuzhuangkuangbaozhangzhu
，ranhougeihaiziyigehenhaodehuanjingchengchang
，zheshihaizimenzuidadezeren。

這zhe不bu是shi孩hai子zi不bu需xu要yao保bao險xian，而er是shi先xian考kao慮lv成cheng人ren

，尤you其qi是shi家jia庭ting支zhi柱zhu的de基ji本ben保bao障zhang，然ran後hou根gen據ju預yu算suan配pei置zhi寶bao寶bao。相xiang信xin在zai未wei來lai
，將jiang會hui生sheng產chan更geng好hao的de保bao險xian產chan品pin，同tong時shi，我wo們men必bi須xu相xiang信xin，我wo們men的de孩hai子zi在zai成cheng年nian後hou可ke以yi獨du立li賺zhuan錢qian。

配置理念二：先保障，後理財

baoxiandebenzhishizhuanyifengxian
，yincihenshaotongguobaoxianlaijinxinglicai。bijing，baoxianrongzidehaochubingbugao。yaopeizhibaoxian

，qingshouxiankaolvpeizhidehanyi。weishenmexuyaopeizhihepeizhikeyihangainaxiefengxian？

理財保險
，什麼是分紅保險、教育金
、返(fan)還(hai)型(xing)這(zhe)種(zhong)回(hui)報(bao)基(ji)本(ben)上(shang)屬(shu)於(yu)這(zhe)一(yi)類(lei)。這(zhe)種(zhong)類(lei)型(xing)的(de)產(chan)品(pin)不(bu)是(shi)標(biao)準(zhun)意(yi)義(yi)上(shang)的(de)保(bao)障(zhang)產(chan)品(pin)，而(er)是(shi)保(bao)障(zhang)的(de)財(cai)務(wu)附(fu)加(jia)組(zu)件(jian)。許(xu)多(duo)人(ren)購(gou)買(mai)或(huo)聯(lian)係(xi)了(le)這(zhe)種(zhong)產(chan)品(pin)，即(ji)保(bao)障(zhang)和(he)財(cai)富(fu)管(guan)理(li)。這(zhe)是(shi)因(yin)為(wei)許(xu)多(duo)人(ren)不(bu)了(le)解(jie)保(bao)險(xian)的(de)含(han)義(yi)
，他(ta)們(men)沒(mei)有(you)心(xin)思(si)計(ji)算(suan)對(dui)比(bi)度(du)

，所(suo)以(yi)他(ta)們(men)被(bei)愚(yu)弄(nong)了(le)。事(shi)實(shi)上(shang)，這(zhe)種(zhong)類(lei)型(xing)的(de)產(chan)品(pin)不(bu)具(ju)有(you)成(cheng)本(ben)效(xiao)益(yi)，昂(ang)貴(gui)且(qie)不(bu)起(qi)保(bao)險(xian)的(de)意(yi)義(yi)。購(gou)買(mai)第(di)一(yi)種(zhong)保(bao)險(xian)產(chan)品(pin)時(shi)，不(bu)得(de)買(mai)此(ci)保(bao)險(xian)產(chan)品(pin)。

從(cong)專(zhuan)業(ye)角(jiao)度(du)來(lai)看(kan)，金(jin)融(rong)保(bao)險(xian)並(bing)不(bu)像(xiang)純(chun)粹(cui)的(de)保(bao)障(zhang)保(bao)險(xian)那(na)樣(yang)具(ju)有(you)成(cheng)本(ben)效(xiao)益(yi)。同(tong)樣(yang)數(shu)量(liang)的(de)保(bao)險(xian)費(fei)用(yong)要(yao)貴(gui)得(de)多(duo)。最(zui)麻(ma)煩(fan)的(de)是(shi)，許(xu)多(duo)人(ren)已(yi)經(jing)以(yi)相(xiang)同(tong)的(de)價(jia)格(ge)減(jian)少(shao)了(le)保(bao)險(xian)金(jin)額(e)，從(cong)而(er)產(chan)生(sheng)了(le)總(zong)保(bao)險(xian)金(jin)額(e)。大(da)多(duo)數(shu)交(jiao)給(gei)其(qi)他(ta)財(cai)務(wu)管(guan)理(li)的(de)保(bao)險(xian)費(fei)用(yong)遠(yuan)遠(yuan)超(chao)過(guo)保(bao)險(xian)公(gong)司(si)給(gei)你(ni)的(de)利(li)息(xi)收(shou)入(ru)。每(mei)個(ge)人(ren)都(dou)喜(xi)歡(huan)回(hui)歸(gui)的(de)想(xiang)法(fa)可(ke)能(neng)與(yu)保(bao)險(xian)業(ye)的(de)發(fa)展(zhan)有(you)關(guan)。 中國保險業是從養老保險發展起來的。對保險的初步了解是國有企業和機構向員工支付一些錢，然後可以領取養老金。因此

，“返還”shouxianyinzaibaoxiandelianggezishang，zheyeshidaduoshulaoyibeirendebaoxianyishi。danshi，baoxianyijingfazhandaojintian

，womenbixugengxinzhezhongrenzhi。baoxiangoumaideyuanzeshi“首先保障
，後期融資”
，純粹的保障保險可以單獨購買，所以在整個家庭不完整的情況下保障我們不建議購買這種“財務”保險。

配置理念三：做足夠的保險

購買重大疾病保險建議必須購買足夠的保險。

目前常發的重病治療費用平均為22.4W，重大疾病保險金額一般至少需要30w保險金額。這隻考慮治療費用。如果考慮康複成本和收入補償，加上通貨膨脹，通常建議至少50w +保險金額。

購買保險的意義是防止不確定性的一大風險。這種不確定性尚不清楚這種風險是明天發生，還是發生在10年30nianzhihouhuogengchangshijian。yinci，baoxiandeyiyizaiyuwomengoumaileyidingdejieguo，yejiushishuo，woyijingquedingleyidingdeshijian，fashengmouzhongdadefengxian，wokeyidedaoyidingdejingjibuchangbuchang

，rangjiarentongguozhegezhangai。

suiranyanzhongjibingdeshijianshibaozhang，dankaolvdaojiatingjingjinengli，jingjiyalihezhongshenjibingdexuanze。suoyizhegebaozhangyijingbiandequedingdanbuzuyiyingduifengxian，shishishang，rengranbuquedingshifoukuayuezhangai。yinci，xuyaopinghengbaozhangshijianhebaozhangpeie。zuihaojiehejiatingdenianshourubingshiqiheshi。ruguoshouruqingkuangbulixianghuoyusuanbuzu，nameninkeyixuanzeweichangguizhongbingbaoxiantigongzugoudebaoxian，erninbunengyinweixuanzezhongshenbaoxianerjianshaobaoxianjine。zhegejibendefenpeiyuanzexiwangmeigerendoujizhu！

zuodaoyishangdesangebuzhou
，duobaoyurenweijiujibenshangchabuduole，nengkaolvdaozhesangefangmiandejiating，zaibaoxianpeizhishangxiangxinyehuigengjiazhunque。ruguobuzhidaoruhoutiaoxuanchanpindehua，keyixuanzezhuanyedebaoxiandailirenjinxingbaoxianguihua，zhegeyeshigehenbucuodexuanze。