The post-00s who have been pissed off by the post-5s and the post-80s under XNUMX heavy pressure have no insurance. What can we guarantee?

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It's really that paragraph:

Don't do homework, mother is kind and filial, and even hugs;

As soon as I did my homework, I jumped and screamed;

Make the elderly have high blood pressure and keep the neighbors from sleeping;

The first second is like glue and paint, and the next second will be cut!

The love for children is like the phrase in "The New Imperial Concubine Drunk":

Love and hate are in an instant~~~~

Due diligence, schizophrenia...

However, having said that, in the final exam sprint season, we still have a little time to cut, and can't help the previous silent meditation: biological, biological...

☞ The first is the family responsibility crisis.When the first batch of post-80s are nearly 40 years old, and the last batch of post-80s will soon be 30 years old, most of this whole generation is already in the midst of a crisis.Mortgage and car loans are also repaid every month. The continuity and stability of family income directly determines the quality of life of a family.I have not dared to resign easily, and dared not rush to change jobs.

☞ The second is the savings crisis.Although many post-80s families are in a stable period, as parents, children, and living expenses are increasing, social pressure is increasing, and the annual income increase is far less than the rate of expenditure increase. Family savings Always on a horizontal line, unable to rush to a new height.

☞ The third is the health crisis.It is said that before the age of 40, the life is exchanged for money, after the age of 40, the life is exchanged for money. At the age of 40, it has long become a barrier to health. The latest report on China's urban cancer data in 2017 shows that about 1 people are diagnosed with cancer every day in the country, an average of 7 people every minute!By the age of 85, a person’s cumulative risk of cancer is 36%! The incidence rate increases rapidly after the age of 40.

☞ The fourth is the crisis of children's education.The older one is already in junior high school, and the younger one is preparing to enter the kindergarten. This period is an important stage of children's education.As the saying goes, no matter how poor you are, you can’t have poor education, and no matter how hard you are, you can’t suffer children. But with the rapid increase in education costs, how many people can easily cope with it?

☞ The fifth is the pension crisis.No matter how handsome you look when you are young, how good your figure is, how healthy your body is, when you are old, you must go through a period of pain and hopelessness. Everyone has to accept the care of others to survive.And now, are you ready to deal with all the possibilities that will happen during that time?Empty Nest?disease?Widowed?No relatives?Have you started to prepare the money you have to pay to survive that period of time?

Some people say that the post-80s generation is the worst, dare not get sick, dare not be poor, dare not fall...because we have a big family behind us!

Moreover, in the face of a life of chicken feathers, we also need helpers-insurance!

Many people like this sentence: Always remember that when we are beaten to the ground by fate, we still have to get up, pat the dirt on our bodies and say: Come, two wins in three games!

But in addition to strong spiritual support, do we need more realistic capital—money?

☞ I got sick and had an accident. I went to the hospital empty-handed and didn't pay a penny. How many doctors were there to treat?

☞ If my child goes to school and training class, which one is not to be taught first after paying the money?How many are there for free?

☞ Once the most extreme situation in life occurs, does the family need money in the future?

☞ Who can deny that any family responsibility for parents, lovers, and children requires money in addition to love?

Not to mention social insurance. Once a serious illness occurs, there are really very few real reimbursements under the deduction line, cap line, reimbursement ratio, and reimbursement scope (must meet the three categories); moreover, the medical insurance principle is "pay first Reimbursement by ticket later", once the hospital asks for 50 and we can't get it out at once, what should I do?

Let’s talk about pensions. According to estimates by the World Bank, the pension replacement rate (the ratio of a person’s pension in the first month after retirement divided by his salary in the last month before retirement) is not less than 70%, then There will be no significant decline in the retirement life of the elderly from before retirement. How many people can do it with social security alone?Moreover, the dependency ratio has been declining. In the 90s, the dependency ratio of my country's pension insurance was 5:1, and 5 insured persons supported 1 retire. Now it has dropped to 2.8:1, and the decline will continue...

Taking health insurance as an example, the "Daily Business Daily" once had such a report:

A colleague detected cervical cancer two years ago.From the diagnosis fee, surgical fees, radiotherapy and chemotherapy fees, hospitalization subsidies, insurance company claims throughout the entire cancer diagnosis and treatment process, she finally received 60 claims.Although the mental pressure caused by the illness is huge, this money has made her treatment and recovery free of worries.At the end of the treatment period, the doctor persuaded her to go home to recuperate, but she said that the conditions for hospitalization were good, and she could still be reimbursed for XNUMX yuan a day.The doctor asked: Are you a national cadre, and the welfare is so good.She replied: I am not a national cadre, nor a boss. My back office is an insurance company.I have purchased a full amount of anti-cancer insurance.Later, the entire department medical staff became her clients.

A Fuyang company executive detected thyroid cancer.The first treatment cost 3 yuan, and the company indemnified 40 yuan.Someone asked: This treatment fee can be borne without insurance, so why buy insurance?The supervisor said that the significance of 40 yuan lies in: XNUMX. Treatment fees.XNUMX. The income loss fee does not affect family finances and daily expenses, and the income loss of five years of inability to work.XNUMX. Rehabilitation fee, over the five-year rehabilitation period.

As the saying goes, the house will collapse sooner or later without beams. If people are not helped, you won't be able to survive as much as you can!Think about all the promises we have made to our family, think about the promises we have made, how much confidence we have to deal with alone?In such a stressful life, with anxiety like you and me, is it time to prepare for the future of yourself and your family?