月薪8000元 应该如何进行保险理财

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刘女士：我家里每月收入8000元，每个月还要还贷款800元。家庭成员包括我和老公，以及两岁大的儿子，希望年保费控制在8000左右，请问买什么保险好呢？ 　　保险理财师刘品：首先，大人是孩子的保护伞，所以关键做好刘女士夫妇的保障。首选价格便宜的意外险，然后考虑健康险。健康险可以是有返还和分红的健康险，虽然价格偏高，但保障时间长，有分红；也可以考虑消费型的定期健康险，费率低，保障期限一般交费到什么时候就保到什么时候，没有返还。其次，小孩子0～4岁间磕磕碰碰和头疼脑热是家常便饭，所以为孩子买份意外险也是必要的，包含手术住院的综合意外险等可以很好解决孩子的小病医疗。 　　王先生：我是一名司机，外地户口，目前除了商业车险里的一些保险，没有购买其他保险，请问我该买份什么险呢？ 　　保险理财师赵青：一些商业车险里有对司机的保障内容，不过这些保障还是不够的。如果王先生没有社保等基本保险，建议他考虑健康险和意外险，同时附加住院医疗，这些保险的保费不是很高。王先生还可以再根据自身实际情况投保其它险种，不过保费应该控制在收入的10%-20%之内，不要影响到正常生活。 　　邓小姐：前几天我和几个同事被公司辞退，当时老板给了我们一些辞退费。不过听说还可以领取失业保险金的，请问我们可以向公司要求领取失业保险金么？ 　　保险理财师赵青：辞退费是单位给予辞退者的补贴，而失业保险金是社保发放的。如果公司给你们购买了失业保险，那辞退后可以向社保部门申请领取失业保险金。 　　世界财经报道声明：本频道资讯内容系转引自合作媒体及合作机构，不代表世界财经报道自身观点与立场，建议投资者对此资讯谨慎判断，据此入市，风险自担。 郑重声明：本站所载内容不作为投资依据,仅供参考,据此入市,风险自担。 How should monthly salary of 8,000 yuan for the insurance financial management Miss Liu: my family monthly income of 8,000 yuan per month to 800 yuan loans. And family members including my husband, and two-year-old son, in the hope that in 8000 about control premiums, may I ask what to buy insurance好呢» Liu financial management for the insurance division: First of all, adults are the child's umbrella, so crucial to the protection of Miss Liu and his wife. Preferred the cheap accident insurance, and then consider health insurance. Health insurance can be a return to the health insurance and dividends, although the prices high, but the protection of long hours, pay dividends; consumer may also consider the regular health insurance, low rates to protect the general deadline on when to pay-to When no return. Second, children between 0 to 4-year-old Kekepengpeng and Toutengnaore is the order of the day, bought for the children of accident insurance is also necessary, including the operation of the integrated hospital accident insurance, can be solved on the child's medical disease. Mr. Wang: I was a driver, field accounts, in addition to a number of commercial motor insurance, not to buy other insurance, can I buy it in any danger? » Zhao Qing insurance financial management division: there are a number of commercial vehicle insurance for drivers of the content, but such protection is not enough. If not Mr. Wang and other basic social security insurance, suggested that he consider health insurance and accident insurance, additional patient treatment at the same time, these insurance premiums is not very high. Mr. Wang also can be according to their own actual conditions to other types of insurance, but premium income should be in control of 10% -20%, not to affect normal life. Miss Deng: A few days ago I and several colleagues were dismissed company, then the boss has given us some charges dismissed. But also heard that can receive unemployment insurance payments, will we be asked to receive unemployment insurance payments Mody » Zhao Qing insurance financial management division: dismiss the charges dismissed units for the subsidies, unemployment insurance and social security is issued. If you buy the company for unemployment insurance, it can be dismissed after the social security departments to apply for unemployment insurance. The world's financial reports: The channel quoted the content of the cooperation between the media and cooperation agencies, does not mean that the world's financial position and view their own reports, this information suggested investors cautious judgement, which the intervention own risk. Solemnly declare: this site contained not as an investment basis, for reference purposes only and thus enter the market, own risk.