insurance - Wisdom to prepare for an accident ahead of time

My dad stopped traffic last night . I was so tired that I was driving sleepy while driving. Fortunately, I did not get hurt, but I was struck by the roadside trees on the roadside and the car broke up. But Mom said, "How glad it is that no one is hurt?" He comforted Dad. The cost of fixing broken cars and avenues can all be covered by my father's usual insurance. I was really surprised, but I'm glad that everyone is well done ~!

Types of insurance - to prepare for the risk.
Personal insurance that you can join freely
Personal insurance is an insurance that an individual insists on in order to prepare for his or her future. Life insurance, non-life insurance, education insurance, etc. Life insurance is an insurance to compensate for the physical damage, illness and death caused by various accidents, and retirement pension 1) . The premium is different depending on the size and age, health, occupation, etc.

Non-life insurance is an insurance that you join in order to compensate for the damage caused by unexpected accident such as traffic accident, fire, theft, natural disaster . But if an accident does not return the insurance premium consumable 2) not. Education insurance is an insurance that pays tuition fees every time the school enters, goes to school, or graduates. There are a lot of parents who are enrolled in case their children go to college. There is also child insurance for children. Parents sign up for health care of their child, and they can join from birth to 18 years old.

Types of personal insurance
State-managed insurance, social insurance
Social insurance is a state-managed insurance for the well-being of the people . The person has to compulsorily sign up and say it is the nation's 4 major insurance. Companies with large numbers of employees are required to pay four premiums for their employees. Pension insurance, national health insurance, employment insurance, industrial accidents 3) There is insurance.


Compulsory pension insurance The
pension insurance is also called the national pension. The citizens who are between the ages of 18 and 60 are obliged to join, and the premiums are paid according to income level. The elderly (61 years old or older), disabled, unable to work or died.

National health insurance that is supported by medical expenses
National health insurance is called medical insurance. It is an insurance that is provided to relieve the burden of medical expenses. You can receive medical expenses for the sickness, injury, childbirth, medicine treatment, surgery, hospitalization, and nursing care of the subscriber and dependents. I 'm paying premiums based on the amount of income and property .

Employment Insurance for Livelihoods
Employment insurance is a system that keeps a living while looking for a new job when a worker is unavailable due to layoffs, and gives unemployment benefits to find work. It does not apply if you have resigned or left work on purpose.

If the
worker gets injured during work, the industrial accident insurance will not pay the worker and his / her family members' insurance money if the employee is injured in the workplace. Medical care, holiday, funeral, bereaved family, nursing care.

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Learn more Does anyone manage insurance?
There are many types of insurance and conditions, so it is difficult for the general public to understand. So call a person who is an insurance agent, or life planner, to help people explain what they need and get insurance. In the past, housewives were a lot of businessmen because they were insurance aunts, but now it is a profession that requires certification.

There are various types of insurance.
There are also insurance policies that are tailored to situations that can happen in everyday life. If it rains on the weekend, the amusement park gets a lot of money. At this time, the amusement park company may also take out the weather insurance, which is the type of damage insurance. In addition, there is an event insurance against damage that may occur when opening fairs, exhibitions, and conventions. There is also a personal injury insurance coverage for entertainers, athletes, and other celebrities who can suffer extreme damage when parts of the body are damaged. I also have a travel insurance that compensates me for physical and property damage during my travels abroad or in Korea .


Is there insurance for famous people to read ?

If the celebrities get a fire accident insurance that covers financial losses this product a key Person ( Key the Person 's called) insurance. The biggest insurance premium among the top stars is singer Mariah Carey. It is famous for the insurance of the equivalent of 1 trillion won in the bridge. David Beckham, a soccer star, heard about 70 billion won worth of foot and foot insurance on his leg, while singer Jennifer Lopez heard about 27 billion won 'ass insurance'. In Korea, Singer Boa was insured for up to 5 billion won in voice, and singer cost 10 billion won for the World Tour concert. Talent Lee Hye-young is 1.2 billion won on the bridge, and pianist Suh Hye-kyung is 1 billion won on the finger! Wow, it 's a hundred million in one finger.

Insurance company's financial function - doing other things
Loans to increase cash assets
Insurance companies must have certain cash because the insured must pay cash whenever an accident occurs. And with the rest of the money, I get the interest and the loan. So it's classified as a financial institution. Bank mortgage loans as haejugo receive interest entrusted to the Bank awarded interest and the stock market by intervening in property, not even multiply. Insurance policy loans as a typical four) got a loan. 5) Refund on cancellation 5) You will receive money in advance and pay interest within 50 ~ 70% of the amount you can receive. I will pay for the money I have collected and pay the interest, but I have to take care of it beforehand. Insurance that activates insurance exports related to

economic activities . There is insurance to compensate when you suffer damage during export transaction process. It 's called export insurance, and it' s sure to pay for the export. For example, if the export payment arrives late, you may be able to cash in on the export insurance policy as collateral. Traditional insurance has an insurance policy that allows you to get your money back at the end of the guaranteed period according to the pre-determined interest rate, Direct variable insurance 6)
However, the insurance company operates the funds with the variable premium and leaves the profits to the subscribers. However, the risks and rewards of investing should be decided by the subscribers because they are responsible. In addition, if a financial guarantor can not be obtained when a loan is received from a financial institution, the guarantee insurance company has a loan guarantee insurance that will issue an insurance policy on behalf of the guarantor.

Financial function of insurance company
The insurance company lends the insurance premiums received from the insured to increase the cash assets.
I also get a fee to act as a guarantor of someone who wants to get a loan.
Learn more Can I re-enroll my insurance?
An insurance company that protects the insured 7) can also face risks. For example, when a building has a big fire, an airplane crashes, or an earthquake, many people die because of the natural disaster. Reinsurance is called reinsurance for many other insurance companies. I am joining not only domestic but also foreign insurance companies.