保险思维导图

思维导图如下

大纲概要

保险

               人身保险

                              意外险

                                             定义:在保险期内,因遭受意外伤害而导致死亡或残疾,可以按照合同约定找保险公司获得相应的赔偿

                                             两个基本要点

                                                            时间界定:合同有效期内发生,保险责任期内认定

                                                            责任界定:外来的、突发的、非本意的、非疾病的

                                             分类

                                                            意外伤害死亡残疾险

                                                                           只保障意外伤害导致的死亡或疾病

                                                            意外伤害医疗险

                                                                           医疗费用,住院+津贴

                                                            综合意外伤害险

                                                                           既对死亡或残疾赔付,也对医疗费用赔付

                                                            意外伤害收入保障险

                                                                           意外伤害带来的收入影响

                                             高杠杆率:一年200元左右的保费,就能获得50万的保额

                                             挑选原则

                                                            保费的高低和年龄无关,和职业有关

                                                            选择短期消费型意外险,优先选择承诺可续保的产品

                                                            保额最少50万

                                             普通意外险的补充

                                                            交通意外伤害险

                                                            旅行意外险

                                             购买注意事项

                                                            保险责任期

                                                            承保的年龄范围、职业

                                                            保费、保额、免赔额

                                                            有无附赠

                              人寿保险:寿险

                                             按保险责任分为

                                                            两全保险

                                                                           合同期内死亡,按合同赔付;合同到期活着,按合同约定返还保险人一笔钱,同时合同失效

                                                            终身寿险

                                                                           被保险人身亡,按照合同给付保险金

                                                            定期寿险

                                                                           合同期内,如果被保险人身亡,按照合同给付保险金,终止合同

                                             按保费或保额是否调整分为

                                                            新型寿险(具有理财功能)

                                                                           分红险

                                                                                          保额固定

                                                                                          有固定收益,分红取决于保险公司经营状况

                                                                                          保障和分红账户混合

                                                                           万能险

                                                                                          保证最低收益

                                                                                          保额可更改

                                                                                          保障账户和投资账户分开,且只有一个投资账户

                                                                           投资连结险

                                                                                          保额可更改

                                                                                          可能亏损

                                                                                          保障账户和投资账户分开,有多个投资账户

                                                            传统寿险

                                             定义:以被保险人的生命为保险对象的保险,被保险人在保险责任期内生存或身故,由保险公司根据契约给付保险金

                                             挑选原则

                                                            明确自己的需求,如果核心需求是保障,就不考虑自带理财功能的保险

                                                            优先家庭经济支柱

                                                                           老人买寿险,容易出现保费倒挂

                                                                           小孩买寿险,限制条件多

                                                                                          小于10岁的未成年人,以死亡为赔付条件的保险金不能超过20万

                                                                                          10周岁到18周岁,不得超过50万

                                             保额计算

                                                            公式:寿险保额=未来10年的支出+房贷余额-现有流动资产

                                                            预估家庭未来10年必需的支出

                                                            计算家庭负债:房贷余额+车贷+其他负债

                                                            计算家庭支柱要承担的赡养责任

                                                            责任评估后减去现有的流动资产(现金、货币基金、能快速变现的股票)

                              年金保险

                              健康医疗险

                                             重大疾病险

                                                            特点

                                                                           定额给付,确诊后一次性给付

                                                                           25种国家规定重疾,55种高发重疾

                                                                           60岁以上不推荐购买,要定期体检

                                                                           年龄越大,保费越高

                                                            保额构成

                                                                           重疾治疗花费:30万~50万

                                                                           康复和营养费用:10万~20万

                                                                           收入损失补偿,覆盖5年工作收入

                                                                           保额=重疾治疗花费+5年生活费用+房贷余额-流动资产

                                                                           参考保额:一线城市50万、其他城市30万;年入10万家庭30万,年入30万家庭50万以上

                                                            挑选原则

                                                                           经济状况允许,优先考虑终身重疾险

                                                                           一年期重疾险和长期定期重疾险,优先选择长期的——保证续保

                                                                           选择消费型,拒绝返还型,返还型多出的钱可以用于理财

                                                                           保障的疾病范围不是越多就一定越好,一般重疾险25种疾病足够

                                                            购买注意事项

                                                                           看保障范围:保障什么疾病

                                                                           看等待期:等待期内不理赔

                                                                           看保险利益:何种情况下获得什么保障

                                                                           看缴费年限:优先年缴,因为如果遇到轻疾豁免,可省年费

                                                                           看责任免除

                                                                           如实填写健康信息

                                                            如何给儿童买

                                                                           先大人,再小孩

                                                                           一年一买消费型少儿重疾险

                                                                           不建议购买终身重疾险

                                                                           考虑包含儿童高发的特定重疾

                                                                           考虑附加投保人保费豁免:投保的大人发生风险,免除后续保费

                                             医疗费用保险

                                                            定义:健康医疗险以报销或者津贴的方式来弥补疾病造成的经济损失

                                                            购买注意事项

                                                                           免赔额度越低,保额越低

                                                                           等待期越少越好

                                                                           重疾和医疗保险可以保障绝大多数疾病

                                                                           津贴功能

                                             津贴型保险

               财产保险

               规划

                              目的

                                             病有所医

                                             老有所养

                                             亲有所护

                              明确自己的需求

                                             保障>理财

                                             意外>疾病>寿险>强制储蓄>资产配置

                              大原则:消费型保险

                                             保障要全面

                                             保额要充足

                                             保费要适当(5%-10%)

                                             双十原则:用收入的10%买保险,保额是家庭收入的10倍

                                             一定要指定受益人:如果没有指定受益人,那么在理赔时保险金要作为遗产,优先偿还被保险人的债务,剩余的才能给到法定继承人

                                             可保利益原则:如果被保险人有什么事,对投保人会造成经济损失才可以买保险

                                             人寿保险,需要被保险人书面同意并认可保险金额才有效

                                             专业名词

                                                            犹豫期:10天内(银行15天)无条件退保

                                                            等待期:又称观察期,发生保险事故也不赔付

                                                            宽限期:延交保费,通常60天

                                                            理赔期:人寿保险5年内,其它保险2年内

                              动态变化,不断完善

                                             先保障后理财、先大人后小孩、优先经济支柱

                                             先意外、重疾、医疗、寿险;再考虑养老;

                                             优先选择终身型产品

                                             量入为出,循序渐进

                                             优先选择大公司,大品牌

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