人生无常，请不要拒绝保险

【人生无常，请不要拒绝保险】

Please do not say NO to insurance

每天都有人在拒绝买保险，但也有很多人在主动买保险；每天都有人在怀疑保险，但也有很多人从保险中获益。那么保险究竟是什么？你可以不买保险，但一定要了解保险。

Each day there are people decline insurance, however, there are a lot of people contact the agent to get their own policies. Each day there are people doubt what insurance can do, however, there are a lot of people get benefits on what they are covered through insurance. So what's insurance? You might choose not to purchase an insurance but it is essential for you to understand how it works to help you.

银行存款与保险理财

Bank savings and insurance savings

一：50万存银行，得大病花50万，你的存款等于零。

1. 50k savings in bank, if you are ill, your savings become zero.

二：40万存银行，10万买大病险（保额100万），得大病得到赔付100万，花50万，还剩50万，加上银行40万，你的存款等于90万。

1. 40k savings in bank and 10k for health insurance (coverage is 100k), when you are ill, insurance company pays you 100k which you may spent 50k on medical expenses and you have balance 50k, plus 40k in your bank, your savings balance is 90k.

Note: check with insurance company on coverage compensation details.

结论：

Conclusion:

银行只能锦上添花，而保险还能做到雪中送炭。

Bank will only allow you to spend what you have in the bank while insurance could probably help you to spend more than what you have in your bank.

有无保障的区别：

Difference on whether you are under protection:

当不幸降临时一家人抱着五百万保险理赔金痛哭，另一家人抱着长长的医院账单痛哭。人们会选哪一种？生病时，你不可以说：“等一下，等我有钱时再生病。”保险就是那笔钱。买保险就如同与上帝签一个合约，保证这二十年或一辈子都没有问题，有问题他替我照料。买保险就是尊重生命，保险让不确定的生命有了确定的价值。没有人因为买了保险而倾家荡产，但的确有很多家庭因为没有买足够的保险而倾家荡产！

When an unfortunate incident happened, one family cried badly with insurance compensation of five million while another family cried badly with the long bills and mortgage loans. Which one would you choose? We couldn't choose time when we get ill. Getting an insurance it's like signing a contract with the god, to protect your whole life. Nobody gets poor by paying for insurance. However, plenty of people get poor and still short of money due to insufficient coverage from insurance.

保险的意义在于提前规划你的生活、分摊风险，帮助你的人生做到未雨绸缪。保险就是你出门带的一把伞，不下雨时略显多余；下雨时你可以大踏步地冲进雨中跑回家，旁人就只有羡慕嫉妒恨的份了。

Insurance (and savings) plan your life ahead. It is always like an umbrella. When it doesn't rain, it is an extra item. Nevertheless when it rains, you'll have this umbrella with you and others whom doesn't have umbrella will be jealous with what you have.

胡适的一句话道出了保险的真谛：

The truth of insurance and insurance savings:

保险的意义，只是今日做明日的准备，生时做死时的准备，父母做儿女的准备，儿女幼小时做儿女长大时准备，如此而已。今天预备明天，这是真稳健；生时预备死时，这是真旷达；父母预备儿女，这是真慈爱。

It prepares for your tomorrow. It prepares for your death when you're alive. Parents prepare for children. That's the love for your family.

所以，趁年轻，趁健康，趁有赚钱能力，珍惜您现在所拥有的，锁住未来您必须面对的，备足保险，让生活更美好。

So get yourself prepared when you are young and healthy.

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