Jing Hao, 20 years old, his mother died of a heart attack, and his father disappeared. Jing Hao could only take his 6-and-a-half-year-old sister Jing Tong to Shenzhen alone.
Helplessly, the house leaked during the overnight rain, and my sister became seriously ill. The doctor gave an ultimatum: the operation must be done in 18 months, and the cost is at least 300,000 yuan!
In order to treat Jing Tong's illness, Jing Hao, who was only 20 years old, was forced to make a big gamble with fate.
He broke two fingers, and he also had to hide his injuries from working at height, being scolded by the worker, humiliated by the manager, and swept out of the house by the landlord...
In order to raise high operating costs, Jing Hao united a group of "marginal people" to start a business together, and gambled with his life to create a miracle!
This is from the movie "Miracle Stupid Child", directed by Wen Muye, the director of "I Am Not a Medicine God". This story of "big gambles" and miracles touched many people.
But it's also thought-provoking. Miracles are miracles because they rarely happen, and the probability is very low.
What about everyone else? What about most of us? What should we do in the face of unpredictable tribulations?
Early allocation of insurance can effectively transfer risk. Let's imagine what the Jinghao family, who bought insurance, would be like.
Jing Hao's mother who bought insurance
Adults are the source of income for a family. If you die prematurely, your family may be in trouble. The responsibility for raising children and paying off mortgages also falls on the rest of the family.
Term life insurance, an essential insurance for the family's economic pillar, is the embodiment of love and responsibility. After the unfortunate death of the family economic pillar, a sum of money can be paid directly to ensure the normal life of the rest of the family.
Moreover, term life insurance premiums are low, and risks unknown to families can be protected with higher leverage.
If Jing Hao's mother allocates a term life insurance for herself in advance, the amount of insurance is 1 million yuan, and the protection is up to 60 years old.
With this protection, even if Jing Hao's mother died of illness, Jing Hao's brothers and sisters can grow up smoothly with an insurance compensation of 1 million yuan, and they do not have to run around because of their livelihood at a young age.
Jing Tong, who bought insurance
The disease of the younger sister Jing Tong is congenital heart disease, which is a very common congenital malformation. However, almost all major illness and medical insurance do not cover congenital diseases.
The exemption clause will generally state that the insurance company shall not be liable for the insurance premium caused by the insured person suffering from genetic diseases, congenital malformations, deformations or chromosomal abnormalities, etc.
A medical insurance policy term
Many people say, isn't insurance a lie? Not really.
Insurance covers uncertain unknown risks, while congenital malformations are definitive risks after the birth of infants and young children. Therefore, whether it is found before applying for insurance or after insurance, as long as it is a congenital malformation, ordinary serious illness insurance and medical insurance will not pay compensation.
However, these two insurances can protect Jing Tong -
Pregnancy insurance: If Jing Tong's mother insured a pregnancy insurance when she was pregnant, many pregnancy insurance can not only protect the expectant mother, but also protect the congenital malformations of the newborn.
Medium and high-end medical insurance: Some high-end medical insurance will still include congenital diseases in the scope of protection, with good protection and strong value-added services.
One more insurance, one more protection
In life, the problems faced are nothing more than the old, weak, sick and disabled, and the risks encountered are mostly medical risks, serious illness risks, accident risks, end-of-life risks, and pension risks.
These risks can actually be protected by allocating insurance as soon as possible.
Medical risk: Medical insurance
Risk of major illness: Critical illness insurance
Accident risk: Accident insurance
End-of-life risk: Life insurance
Pension risk: Pension annuity insurance
After all, the movie is just a movie, in the movie, Jing Hao later succeeded in starting a business and cured his sister, but this miracle is often only in the movie and in the TV series.
In our lives, there are so many miracles.
However, we can leverage high insurance protection by allocating insurance in advance and using relatively low premiums. When we face risk, let the insurance company rush ahead and help us share the economic pressure.
Take out one insurance plan and add one point of protection. Only in our lives can we strive to create our own "miracles".