专业的保险投资理财信息服务平台
深圳宪立投资有限公司主办

首页 >同道问答

买保险还不如储蓄存款吗?

楼主前几天,好规划微信后台收到一位用户的提问:“我和我爱人按照好规划的规划书为自己配置了重疾险和意外险,再加上我们已经买的寿险,每年保费支出要一万多,不是个小数目。我和老公合计了一下,想着要是每年把这笔钱定期存银行,自己来安排以后的养老问题和不时之需,是不是要划算点呢?”

是啊,夫妇二人每年一万多的保费支出也是一个不大不小的数目,保险公司给的利息还不如定期存款,钱又不好取出来。为什么我们还要上保险呢?

好规划理财师:

我想这位用户对于保险的态度可能也代表了很多人。觉得每年交不少的保费,结果也没出事儿,保费白搭了,要不就是那些具备储蓄投资功能的保险,收益还不如存银行,自己攒钱投资都比保费得的多,因此很多人在犹豫是否要购买保险。在此,好规划给出明确的观点,该让保险负责的,其他任何方式都替代不了,我们每个人都需要保险。

为什么要买保险?因为生活中的风险无处不在,而且往往在你还没有做好准备的时候它已经发生了。

中国人是有着“未雨绸缪”的优良传统的,储蓄带给我们很多安全感,攒一笔钱已被“不时之需”。

可是生活中的“不时之需”无处不在,小到感冒发烧,因意外导致的磕碰、扭伤、烧伤等,大到因患重大疾病需要住院医治,或者因为天灾人祸发生的个人财产损失等等。我们不能消除风险,但可以通过保险尽可能减少风险事故造成的经济损失,不仅包括由于疾病和意外带来的财产损坏、医疗费用的损失,还包括保险事故发生后无法正常工作的带来的经济损失。所以,人人都需要保险。

储蓄可以代替保险吗?我们分两种情况看看,小A同学每年为自己缴纳消费型重疾险,保额20万,每年缴费1250元。小B同学每年为自己储蓄1万元,作为风险备用金,不买保险。

如果5年后,小A和小B同时不幸罹祸癌症,需要一大笔医疗费。小A同学可以获得20万保险赔偿,而小B同学呢?储备金刚刚积攒了5万元,加上利息也完全不够看病费用。并且因为生病,小B同学也暂时失去了工作能力,从而无法按计划储蓄自己的备用金。

有人要问,如果没有事故发生,那么小A同学的钱不就打水漂了吗?

这样想的人其实根本不了解保险,总觉得保险就是按时交钱,到最后什么都得不到,觉得白浪费还不划算,所以不去购买;还有一部分人收入只够房租温饱,没有闲钱再去买保险。还有很多人不愿意购买保险,原因可能是从心理上对保险有种特殊的警觉感,恐怕一买保险,风险事故就会发生;

在发生不幸事故的家庭里,若没有保险,不但要遭遇失去亲人的痛苦,同时还要承担更大的经济负担;而有保险的家庭,尽管也遭遇失去亲人的痛苦,但经济上却不会因此雪上加霜,因为保险金替他们分担了经济负担。保险对于我们来说,是用可以承受的小部分钱,去对冲无法承受的未知风险。

那么多种类的保险,有哪些是必须买的?

当然不是所有险种我们都要购买齐全。我们从实际保障功能来讲,意外伤害保险和健康保险是首先应该配置的。

意外险必不可少

意外事件对于各类人群来讲都是无法消除的,加之意外伤害保险保费低廉,保障很“实在”,因此无论是处于哪个生命周期的家庭或个人,意外伤害保险很必要。

参考保费:100-300元/年

健康保险很重要

健康保险,从功能上讲,是当疾病或意外伤害事故造成被保险人医疗费用支出或收入损失时,由保险人负责经济补偿的保险。其中重大疾病保险应该首先得到我们的重视。现在得个发烧感冒去医院好歹也得二三百块钱,要是真不幸患上了大病,没个一二十万恐怕都不行,此时仅凭社保是不够的,像提问中所说的“定期存到银行以备不时之需”,前提是每年都得有一定金额存入账户,或者坚持投资风险可控的投资产品,而且时间还得长,否则一旦生病花光了积蓄,未来的日子还怎么过啊。所以拥有一份健康保险就显得很重要。

参考保费:1000-1500元/年,保额20万

养老保险可有可无

关于养老保险到底该不该买,好规划认为,对于大多数年轻人来讲,没有必要购买。但你可能会反问,不是说养老保险应该趁早买,保费更便宜,未来还能获得一份保障吗?但是你真的愿意从现在开始,每年都缴纳一两千元,甚至更高的保费,换来三十年后就拿10万元或是20万元的养老金吗?别忘了这世界上还存在着通货膨胀,三十年后的10万可能就不算什么钱了。

就拿每年存下1万元,按照1年期定期存款3%来计算,30年后还有47万多元的本息合呢。而且大家记住,凡是兼具储蓄功能的保险,保费都很高,如果过多配置这类保险,无形中又给自己增加了负担。所以养老保险对于很多投保人来讲,并不适用。
(来源: 中国保险报•中保网)

回答时间:2014-08-27 11:25

1楼个人感觉,应该是买保险好些,毕竟很多险种的规划收益都超过银行存款利率的

回答时间:2014-08-27 14:47

2楼PiHT0s http://pills2sale.com/ viagra online

回答时间:2020-11-14 15:19

3楼I've been made redundant <a href="http://minastarbd.com/clomid-lowest-price-8ch1">buy clomid in spain</a>  â€œQuite often people don’t realise that the sofa or dress that they donate actually raises vital funds and helps pay for anything from an echo machine in the local hospital to a community heart support group.

回答时间:2020-11-16 05:22

4楼I live here <a href="http://www.rapetti.eu/pharmacy/index.php/effexor-xr-for-ocd-reviews-rga5">venlafaxine effexor xr wiki</a>  Francis is in Brazil for World Youth Day, an international gathering of young Catholics initiated by Pope John Paul II. He said aboard his plane that he's concerned about the plight of young people, especially those growing up jobless and isolated in a poor economy.

回答时间:2020-11-16 05:22

5楼It's OK <a href="http://www.mamaloca.net/pharmacy/index.php/olanzapine-quetiapine-combination-ibtv">zyprexa kick in</a>  On the domestic front the Americans are making their thoughts known. Americans have made their anger known. Protesters gathered in Washington chanting &#8220;Do your job&#8221; and placards read &#8220;My husband works without pay yet Congress gets paid with no work.&#8221; Many workers deemed essential to the functioning of the country have continued working through the shutdown without pay.

回答时间:2020-11-16 05:22

6楼Hold the line, please <a href="https://malkostau.lt/how-to-get-viagra-in-queensland-bsvn">compra de viagra o cialis</a>  â€œYou continue to support him, to point out the issues, to try to understand how it happened so it doesn’t happen again,” he said. “You coach him, just like you coach anybody who’s had some issues. He’s trying as hard as he can to stay away from interceptions, but you’re not going to go back to not throwing the football. He’s been too successful for so many years throwing the football.”

回答时间:2020-11-16 05:22

7楼I'm on a course at the moment <a href="https://conference.ue-varna.bg/emc/buy-coq10-100mg-mdbt">coq10 liquid sam's club</a>  B.S U.S. businesses are gouging consumers big time they keep raising prices far more than the government is willing to admit when I moved into my 3 bedroom apartment in North Raleigh, NC it was a good deal at 609 dollars per month plus utilities 4 and a half years later I am paying 853 dollars per month plus utilities, my electric bill in this apartment 4 and a half years ago was a little over 120 a month on the average now is slightly over 200 dollars per month on the average, the very same type of used car that 5 years ago cost me 3000 dollars is now close to 10000 dollars, 5 years ago I could feed my family of 5 for about 120 a week now I can not leave the grocery store for less than 200 dollars per week, clothing and school supplies are equally ridiculous and yet the government has the audacity to comment that inflation of our economy has only risen 1.7 % one year the year before that they claimed 0 inflation and I think this year our mathematical wizards in washington are claiming an inflation rate of just 1.3 % simple math escapes this countries leaders no wonder we keep getting our buts kicked by a bunch of cave dwellers&#8230;

回答时间:2020-11-16 05:22

8楼I've come to collect a parcel <a href="https://intex-fabric.com/purchase-female-cialis-mmmx">generic for cialis</a>  PBR was initially planned to be in place this year, but was then delayed until April 2014. Monitor have now announced that it will no longer be made mandatory in 2014-15, and has also questioned the long term future of PBR as it reviews the payment systems across the NHS.

回答时间:2020-11-16 05:28

9楼I'm a member of a gym <a href="http://minastarbd.com/animal-pak-training-routine-1-7mr5">does animal pak boost testosterone</a>  One exhibitor at the show aiming to grow its oil and gas offerings is U.S.-based CoorsTek, a family owned company which has been making ceramics for a hundred years. It now designs equipment for both the aeronautics and oil industry.

回答时间:2020-11-16 05:28

快速回复





Copyright © 2012 - 2014 宝现网. All Rights Reserved 粤ICP备13082834号
深圳宪立投资有限公司 主办
企业邮箱入口