How do stay at home moms buy health insurance?

Stay-at-home mothers are actually a more characteristic group, they put all their energy into the family, take on the task of taking care of children and the elderly, although they do not contribute so much financially, but they do not reduce their importance in the family at all.

What are stay-at-home moms most worried about?

Something is wrong with the body, and the hospitalization cost ** comes?

If you die, who will take care of the child?

In fact, these are the two core problems in front of stay-at-home mothers. One of the biggest shocks to families is disease. In the event of an illness, not only are medical expenses high, but there is also less care for the family.

Critical illness insurance is a must-have insurance for stay-at-home mothers, so that the risk of illness can be transferred, and we usually recommend focusing on critical illness insurance for health protection, which can minimize the financial pressure on the family caused by medical expenses.

What should stay-at-home moms buy?

Critical illness insurance (mandatory): Critical illness insurance for stay-at-home mothers is best to choose to cover it for life. This is combined with the current insurance age, this group is basically in the 30-35 years old age range, and some of those who marry and have children later may be around 40 years old, at this time buying critical illness insurance is close to the maximum age (55 years old) for most critical illness insurance.

There are many products, such as Darwin Critical Illness Insurance, Rite-Tei Profit Critical Illness Insurance, and Kanghui Bao Critical Illness Insurance. It is advisable to choose a critical illness insurance policy that includes death liability, so that you can take into account the death risk.

Life insurance (optional): Life insurance is not a must-buy product, but it can also be considered if you have assets to pass on to your children. In order to better play the role of high leverage in life insurance, we still recommend that the breadwinner of the family allocate a term life insurance.

Accident insurance: After doing a good job of illness protection, you can consider buying an accident insurance to reduce the impact of such occasional and probabilistic events. For stay-at-home mothers who have not taken out life insurance, it is still necessary to buy an accident insurance to supplement personal liability.

There are many accident insurance products, and there is no economic pressure to buy a one-year insurance for one year, and the leverage effect is still very obvious.

For medical insurance, social medical insurance is the foundation, and if possible, you can apply for a resident medical insurance in the place where you are registered. If you really don't have the conditions to apply for social medical insurance, then you need to have sufficient protection in commercial medical insurance.

We recommend the WiseChoice Medical Insurance Worry-Free Protection Plan (the hospitalization plan is especially suitable for people without medical insurance, including accident protection, accident and illness hospitalization protection, etc., and you can get good protection with only 200 yuan per year.)

Hope mine is helpful to you!

Housewives are unemployed vagrants and their own nannies, so it is recommended that housewives go to work to support themselves, and must learn to support themselves instead of relying on others. If you want to find a nanny, you can also find a housewife, most of them actually know in their hearts that they are their own nannies and rely on others to support them. When grandparents come to take care of their children, as long as they are not too rural, they can take them.

In this era, both men and women must be financially independent, support themselves on their own, and their feelings are no longer for money and for being packed. Raise.

You can consider term life insurance or simple pension insurance, the premium budget is sufficient to add more comprehensive protection for medical treatment, accident, critical illness and insurance, and the combination of insurance types: 1Term Insurance + Critical Illness + Hospitalization + Accident + Accidental Medical Treatment; 2.

Pension insurance + critical illness + hospitalization + accident + accidental medical treatment.

Insurance Portfolio Analysis:1Term insurance covers the price, medical, critical illness and accident during the coverage period (minor illness can be reimbursed, major illness is covered, and unexpected risks are protected).

After maturity, you can receive a one-time principal + bonus or a maturity conversion annuity as a pension supplement.

2.Specialized pension insurance, medical, accident, critical illness protection in the early stage (same as above), to determine the pension age to ensure that a certain amount of money can be received every year as a pension, and guaranteed to receive 20 years.

Just find an insurance company.

1. First of all, all the mothers who return to the hidden job should take their original resident ID cards and go to the local social security center.

2. Secondly, filial piety goes to the service window of the human resources and social security.

3. Finally, go through the insurance procedures for flexible employment personnel and pay social security.

Stay-at-home mothers pay social security in the following ways:

1. Pay as a flexible employee. If you have a local hukou, you can participate in pension and medical insurance as a flexible employee. The payment standard is based on the local average salary of the previous year, the pension contribution ratio is 20%, the medical care is about 9%, and there are still two levels of 80% and 100% to choose from.

Generally, go to the social security service point in the local community street for processing;

2. Find a social security payment agency to pay. If you are not a local account, you can only pay through the social security payment agency, which will definitely require a certain handling fee. Nowadays, there are many payment agencies on the market, and everyone must pay attention to formality when looking for them.

Under normal circumstances, the best insurance strategy for individual commercial insurance is to give priority to improving accident insurance, health insurance and other protection insurance, and then choose appropriate pension insurance and financial insurance as appropriate supplements.

Legal basisArticle 10 of the Social Insurance Law of the People's Republic of China.

Employees shall participate in the basic endowment insurance, and the employer and the employee shall jointly pay the basic endowment insurance premiums.

Individually-owned businesses without employees, part-time employees who have not participated in the basic pension insurance at the employer, and other flexibly employed persons may participate in the basic pension insurance, and the basic pension insurance premiums shall be paid by the individual.

The method of pension insurance for civil servants and staff managed with reference to the Civil Servants Law shall be prescribed by ***.

Article 11. The basic endowment insurance implements a combination of social pooling and individual accounts.

The basic endowment insurance is composed of employer and individual contributions, as well as subsidies.

Article 12. The employer shall pay the basic pension insurance premiums in accordance with the proportion of the total wages of its employees stipulated by the state, and record it in the basic pension insurance pool**.

Employees shall pay basic pension insurance premiums in accordance with the proportion of their wages stipulated by the state, which shall be credited to their personal accounts.

Individually-owned businesses without employees, part-time employees who have not participated in the basic pension insurance in the employer, and other flexibly employed persons who participate in the basic pension insurance shall pay the basic pension insurance premiums in accordance with the provisions of the state, which shall be credited to the basic pension insurance co-ordination and personal accounts respectively.

After giving birth, many women choose to be full-time mothers at home with their children, but without a workplace, what should social security do? Bai Baojun sorted it out for everyone.

First, if we are a local hukou and the economy is good, then we can choose to pay employee medical insurance and pension insurance for ourselves as flexible employees. The cost of each month is about 1,000 yuan. The medical insurance and pension benefits we can enjoy are the same as those of office workers.

Second, if we have a local hukou, but the economic situation is average. We can choose to pay for residents' medical insurance and pension. In this way, only a few hundred dollars per year is enough.

Thirdly, if we are both local residents and do not have a place of employment. In this case, it is generally necessary to go back to the place of household registration.

In addition to this, if conditions permit, you can buy some commercial insurance. When buying commercial insurance, you need to pay attention to such an order, husband first and then yourself, health first and pension financial management. As a stay-at-home mother, her husband is the main economic leader of a family, so his health will affect the income of the whole family.

So it's the husband first, then the self. Tease.

Test your anti-risk index, experts will interpret it for you for free!

If you want to ask stay-at-home mothers how to configure insurance, it is generally recommended to configure three types of insurance: critical illness insurance, accident insurance and million medical insurance.

People of different ages have different insurance plans, if you want to know what insurance products you are suitable for, you can also take a look at this article: How to buy insurance for different ages? Everyone should have their own plan.

First of all, let's talk about critical illness insurance, critical illness insurance refers to the insurance that quietly protects critical illness, that is, when the insured is diagnosed with a disease specified in the contract and meets the conditions for claims, the insurance company will pay a lump sum of money. This benefit can be used to negotiate better conditions and to make up for lost income during illness.

As we all know, accidents cannot be advanced in advance, so stay-at-home mothers also need to configure accident insurance, so that even if the insured Youzi is unfortunately injured due to an accident, then the reasonable and necessary medical expenses incurred may also be reimbursed through the accident insurance.

The million medical insurance refers to the medical insurance products with an insurance amount of up to one million, which are usually used in conjunction with medical insurance, whether it is targeted drugs, imported drugs, etc., or the ** expenses generated by hospitalization for some serious diseases, they can play a good role, and it can be said that it is very suitable for full-time mothers to buy.

Legal analysis: If you are an individual who pays social security, you either go back to your place of residence to participate in the insurance, or you pay social security as a freelancer.

If you're paying social security as a freelancer, the biggest factor you need to consider is the cost. Because to participate in social security as a self-employed person, it is necessary to ensure that social security can not be broken, if there is a break in the relationship, it will affect the insured's own medical treatment and insurance, and some will also affect the pension after retirement.

The other is that if you pay social security as a freelancer, the payment is definitely not as cost-effective as the company's payment, and the individual pays social security and needs to bear all the costs. Therefore, if the job is stable, and the income is in the middle and high level, it is still possible for individuals to pay.

However, the insured can apply for the hail section and ask the social security to be transferred to the place where the household registration is located for insurance, or transfer to the new unit as soon as possible to renew the social security.

Legal basis: Social Insurance Law of the People's Republic of China Article 58 An employer shall, within 30 days from the date of employment, apply to the social insurance agency for social insurance registration for its employees. If they fail to register for social insurance, the social insurance agency shall verify and approve the social insurance premiums they should pay.

Individually-owned businesses without employees who voluntarily participate in social insurance, part-time employees who do not participate in social insurance at the employer, and other flexibly employed persons shall apply to the social insurance agency for social insurance registration. The State shall establish a nationwide unified personal social security number. An individual's social security number is a citizenship number.

Pro, personal payment: need to apply to the social security bureau where the household registration is located, and the procedures include: my ID card, two copies of the recent free macro without a crown, premium, application, etc.

And it can only handle two kinds of pension and medical insurance; The amount of contribution is calculated based on the local average salary of the previous year, and it is not the same every year. In addition, the minimum and maximum levels are also stipulated, and the payment of the lowest level shall not be less than 60% of the average monthly wage of employees at the social level, and the highest level shall be 300% of the average monthly salary of employees. Generally, the lowest grade is the most; In addition, the minimum payment period of pension insurance is 180 months, that is, 15 years, and medical insurance needs to be paid for at least 25 30 years.

Summary. Hello, you can pay social security as a flexible employment status, and you do not need to pay according to a fixed standard. According to your own needs and specific situation, you can freely choose the level of social security contributions.

You can only pay endowment insurance and medical insurance, but only local household registration can be processed.

How to enroll in insurance for stay-at-home moms.

Hello, you can pay social security in a flexible employment status, and you don't need to pay according to a fixed standard. According to your own needs and physical condition, you can freely choose the level of social security payment. You can only pay endowment insurance and medical insurance, but only local household registration can be processed.

Can I apply online?

Dear, hello Chang shirt, economic conditions are average; You can choose the last payment method, the financial pressure is small, and the training is also guaranteed after retirement. If the economic conditions are better, try to choose a payment method that can pay five insurances and one housing fund, and the basic barrier is more comprehensive.

Where to apply for five insurances and one housing fund?

Hello, you need to find a company or unit.

Hello, the first time you apply for flexible employment, you need to go to the local social security bureau to handle it, and you can pay online in the future.

How to fill in the payment base for flexible employees.

Dear, hello, the flexible employment personnel pay the liquid fee base is the province's last year's full-caliber urban unit employees in the state of 60%-300% of the average salary as the upper and lower limits, the payer within the upper and lower limits of arbitrary filling in the payment base to declare payment.

Hello, you need to go to the local social security bureau for the first time, and you can pay online in the future.