<p>买保险,首先需要了解保险是什么。</p> <p>保险是一种风险均摊机制,它能把这些未来的、不确定的、难以承受的风险,分摊到每一个参与保险的个体上。</p> <p>换句话说,保险就是花今天确定的“小钱”换取未来可能的一笔应急的“大钱”。当我们遭遇重大风险时,让我们有钱可用,不会从有钱变没钱。</p> <p>人的一生大致可分为上学、就业和退休这几个阶段。</p> <p>从少年时期受父母养育之恩,到自己参加工作开始挣钱,接着经历结婚、子女出生这些大事,再后来随着子女独立,自己也开始退休养老。</p> <p>在这期间伴随我们的主要风险有四种:意外、疾病、死亡、养老。</p> <img src="https://arch-deletion.000webhostapp.com/wp-content/uploads/2019/05/pexels-photo-414752.jpg" alt="" class="wp-image-187"/> <p>Image from pexels</p> <p>意外风险,指的是跌倒、坠落、溺水、火灾、车祸这样外来的,难以预料的事故。</p> <p>保险行业协会有一个研究报告,里面提到交通类事故是最主要的意外风险。</p> <p>不同年龄段来看,老年人跌倒坠落风险较大,青少年的高危风险是暑期溺水。这些意外伤害可能会导致伤残甚至死亡,一旦发生,无论对自己还是家人,打击都是巨大的。</p> <p>疾病风险,特别是重大疾病,现在治疗费用相当高昂,一般从十万到几十万不等。即使有医保,由于有报销比例和报销额度的限制,也只能报销一部分。而且大部分疗效好、副作用小的进口药,不在医保之列。</p> <p>死亡对任何年龄段的人来说都是风险,但对上有老下有小,处在主要家庭责任期的成年人来说,需要尤其关注,因为他们身上满满的都是责任。</p> <p>在年老之后,收入会显著下降,所以需要提前规划。有稳定的现金流,才可以安享晚年。</p> <p>我们分析这些,并不是想夸大这些风险,而是未雨绸缪。这样风险来临时,资金上才能够从容应对。</p> <br /><center><hr/><em>Posted from my blog with <a href='https://wordpress.org/plugins/steempress/'>SteemPress</a> : https://arch-deletion.000webhostapp.com/2019/05/%e8%b0%88%e8%b0%88%e4%bf%9d%e9%99%a92%ef%bc%9a%e4%ba%ba%e7%94%9f%e7%9a%84%e9%a3%8e%e9%99%a9 </em><hr/></center>
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Congratulations @khairulzaman! You have completed the following achievement on the Steem blockchain and have been rewarded with new badge(s) : <table><tr><td><img src="https://steemitimages.com/60x70/http://steemitboard.com/@khairulzaman/posts.png?201905300316"></td><td>You published more than 150 posts. Your next target is to reach 200 posts.</td></tr> </table> <sub>_You can view [your badges on your Steem Board](https://steemitboard.com/@khairulzaman) and compare to others on the [Steem Ranking](http://steemitboard.com/ranking/index.php?name=khairulzaman)_</sub> <sub>_If you no longer want to receive notifications, reply to this comment with the word_ `STOP`</sub> To support your work, I also upvoted your post! ###### [Vote for @Steemitboard as a witness](https://v2.steemconnect.com/sign/account-witness-vote?witness=steemitboard&approve=1) to get one more award and increased upvotes!
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!lucky
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恭喜你抽中1 SHOP!
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