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【理財小貼士】保險到底需唔需要買?定只係呃人?

serenac81

唔知大家有冇試過一啲舊同學或者唔熟嘅朋友,有一段時間冇聯絡,然後突然之間約你食飯,問你最近返緊咩呢?然後就會以整理mpf為由約你,之後話幫你揀份合適嘅保單,哩啲手法聽落同騙徒冇分別,但實際上到底保險係幫人定呃人?係決定購買前,不妨先睇下問題,確保保險範圍及特性可滿足你的生活及理財需要。

 

「買保險背後的原理」

其實保險顧名思義就係為左保障一啲人生風險,例如死亡、疾病、受傷等等,而保險就係等你係有事嘅時候有一筆錢去救急,舉例如果你今日發生一個嚴重意外,導致行動不便,冇左工作能力,一邊要承擔高昂嘅醫藥費,一邊照顧家人生活,哩個時候保險就可以幫你轉移/𠄘擔部分風險,所以千其唔好當保險係投資一種,佢好大程導上只是一種風險管理

 

「兩大類人可以唔需要買保險」

第一種係已經擁有一筆財富嘅人,因為當你資產達到某一個數目,已經足以令你可以𠄘擔所有人生大風險,就其實可以唔需要買保險,寧願將個啲錢投資係更有效率嘅被動收入上!

第二種係60歲以上嘅人,因為保險嘅保費係會根據返受保人嘅年齡去調整,由於年齡越高嘅人患病嘅機會越高,所以老年人嘅保費都會比較高,去到哩個年紀,如果唔係真係好有需要,都唔再需要去買保險,寧願用哩啲錢及時行樂~~

 

「如果要買第一份保險應該買咩先」

如果你係fresh grad資金有限嘅話,可以先考慮購買醫療保險,例如自願醫保計劃,因為而家好多後生成日捱夜,身體難免都會有啲小毛病,而醫保嘅保費會低啲之外,相對上適合年輕人,而且保障範圍及保費都有好彈性選擇,有咩事上嚟都可以揀比較好嘅醫生同私家醫院,當然如果你認為自己冇病冇痛唔需要嘅,唔買都一樣冇問題

 

「人壽保險要趁早購買」

年輕嘅人患病風險同申請索償機會較低,所以一般來說保費會較低,加上年輕人接受保障要求較高(特別如果係家庭支柱),所以如果自己有需要購買人壽保險(特別係終身保險),建議趁年輕時購買

定期人壽保險:保障設年期限制,保障額高且保費相對較低,不過並冇儲蓄成分,而且隨購買者年齡遞增,保費亦會相應增加
終身人壽保險:終身保障,在繳付保費期間的保費係固定的,不過保額會比定期人壽較低,部份終身壽險含儲蓄成分,但要至投保的中、後期才見成效。另外,若提早取消終身壽險的話,退款一定會比原本的保費為少(因保險公司會收取相關附加費用),而且所得的分紅亦會大減
儲蓄人壽保險:設年期限制,由於是以儲蓄為重點,因此保費較高而且人壽方面的保額較低,不過投保人在投保年期完結後,就可獲得較多的儲蓄分紅
 

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