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Chapter 44 Regret for not buying insurance (2)

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    It is definitely a new thing to make money after being sick, Xia Xiaozhu asked: "Uncle Hu, why do they still make money? That's not right, it's just a matter of reimbursement, how can there be any money?"  "Doctor Hu said: "For example, a patient bought 500,000 yuan of insurance before, and when he fell ill, the insurance company paid him 500,000 yuan. In fact, his disease was cured with only a little over 100,000 yuan.  , In this way, wouldn't he have earned more than three hundred thousand yuan?"

    Xiao Chuchu asked: "How much will it cost to buy an insurance coverage of 500,000 yuan? Do you need 500,000 yuan? I think 500,000 yuan is not affordable for ordinary families, is it? Personally, I think  , insurance is a luxury, not suitable for ordinary people like us, right? Does this mean that I hand over 500,000 yuan to a person for safekeeping, and when something happens to me, he will  Come back and pay the money for me, if nothing happens to me, then all my five hundred thousand will be for nothing?"

    Dr. Hu smiled, and he said: "Chuchu, if it's really what you said, then anyone will open this insurance company. It's a huge profit industry, right? I don't know much about insurance, and I don't know much about insurance.  I have also heard many people say that insurance is a lie and has no practical use. To be honest, I used to think so too. Since insurance is useless, why should we buy it? But later,  I once asked a patient, and he told me that there are two things in life that cannot be done, one is to persuade people to divorce, and the other is to prevent people from buying insurance!"

    Both women became interested in this question, and Xiao Chuchu asked, "Why did he say that? Has he bought insurance himself?" Dr. Hu shook his head, and said, "He didn't buy it. In fact, he was a  A very successful person does not lack this money. He thought the same way at the time. Wait a little longer.  What does this thing do? Besides, he had a realization at the time that insurance has a limited period, just like the shelf life of food, for example, it is fixed at ten years, twenty years, etc.  The earlier it is, the easier it is to expire, so he didn't buy it. He didn't know what was going on until he got sick." He looked at it and smiled: "I still remember that his illness at that time  , It cost a total of 885,600 yuan. When he was discharged from the hospital, this iron-like man, he shed tears. He said, I regret it. If I bought insurance before, I would not have to pay for the money myself  Yes, more than 880,000 yuan, although I can take it out, but it is his income for at least five years! And after he got sick, he had to start over for many things! Especially when he heard me tell him this  The disease must be well maintained, especially in the last five years, it must be maintained and recovered, otherwise, it is very easy to relapse, and if it recurs, then everything will be in vain. The five-year rehabilitation fee, to say the least, has to be spent  Five hundred thousand!"

    Xiao Chuchu made some calculations and said, "Then his illness cost at least 1.4 million yuan, is that so?" Dr. Hu shook his head and said, "Where are there so many and five of them?"  Loss of income, this is the big one! And I heard that in order to save his own life, he sold all his family property. His car and his house were originally worth two million, but they were only sold.  1.2 million! This is the price given by one of his friends. If it were someone else, it would definitely not be able to sell at this price! I also heard that he spent 500,000 to buy a wealth management product  Well, in two years, he would be able to get back at least one million yuan with interest, but he terminated the product ahead of time. He invested 500,000 yuan and only paid out 300,000 yuan. There was a difference of more than 700,000.  Ten thousand! So, I roughly calculated his disease, and he lost at least four million! These are all on the surface and can be calculated clearly! If he bought insurance for himself, no  Speaking of other things, he doesn't need to pay the four million at all!" He stared at Xia Xiaozhu, sighed, and said, "If brother Xia had bought this insurance back then, you wouldn't have to worry about finances at all!  "

    Xia Xiaozhu asked: "Is this insurance really so useful? Is it expensive? If it is too expensive, I don't think we can afford it!" Dr. Hu said: "As for how much, I don't know.  I know, I only know that sometimes a few thousand yuan can buy more than 100,000 insurance! The rate is dozens or even hundreds of times!"

    Xia Xiaozhu fell silent, and Xiao Chuchu asked, "Can Uncle Xia buy it now?" Dr. Hu smiled and said, "How is this possible? Insurance companies are not charitable organizations, and they have strict requirements for nuclear insurance. If you are sick, you can buy the insurance."  They are not allowed, let alone they are already injured like this, they are not so stupid! Therefore, there is also such a principle in buying insurance, that is, you must buy it as early as possible, and you must buy it when you are healthy and safe!" He called  He gave an analogy: "For example, PaulInsurance is like buying an umbrella on a sunny day. As long as you buy an umbrella on a sunny day, you don¡¯t have to worry about it when it rains.  If you really have to wait until it rains to buy it, you won't get it at all!  "

    Seeing that the two women were both confused, he smiled wryly and said: "I also heard what my patients said. As for the specifics, to be honest, I don't know."  Very clear. I have asked at least ten patients. I asked them the last thing they regretted before they got sick. The regret that they did not buy insurance accounted for at least half of them! Although their illnesses have been cured, they  They will be insulators of insurance in the future! They are not qualified for this anymore! At least 80% of them have made it clear that even if they lose money and eat less than one meal a day, they have to buy a suitable meal for their families.  insurance!"

    Xia Xiaozhu and Xiao Chuchu looked at each other, and they could see anxiety in each other's eyes.  Dr. Hu thought for a while, and then said: "I am a doctor. I have dealt with illnesses and injuries all my life, so I am more sensitive to this aspect. People, don't always think that your body is healthy and you are healthy."  The most important thing is to work in the office, and there will be no accidents. However, in fact, diseases and accidents do not choose people, but are always by everyone's side. When you ignore it, it will find a way  Let you pay attention to it! Countless lessons of blood and tears have made me truly understand a truth. When natural disasters come, we will feel the insignificance of human beings. When accidents and diseases come, we will feel the family  The helplessness! According to some statistics, at least 95% of the families in China are unable to resist a sudden serious illness or accident! Well, let¡¯s not talk about these things, and it¡¯s useless to talk about them  , In addition to increasing regret, it will not do much! However, Chuchu, Xiaozhu, you must listen to Uncle Hu in the future. When you have the financial means, you must buy a suitable insurance for yourself and your family  !Because risks are everywhere, accidents and diseases must take away our lives!" (Remember the website URL: www.hlnovel.com
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