A short story about health insurance, a short story about health

1. Marx used to be very addicted to smoking, and his cigarettes never left his mouth. On one occasion, he said to Lafargue that "the manuscript of Capital will not even be enough to pay for the cigar I smoked when I wrote it."

He smoked as if he were anything else, fast and hard, so he always picked cheaper cigars to buy. He even chews half of his cigarette in his mouth, saying that this will increase the effect of the cigarette, or double the enjoyment.

2. Later, Marx discovered a cheaper cigarette, about one and a half shillings per box of a pound, so he exerted his economical talents in political economy to expound his theory to his friends. He said he "saved" a shilling and a half for each box of cigarettes he smoked, so the more he smoked, the more he "saved". If he can smoke a pack of cigarettes a day, he can use the "saved money" to cover up for the day's socks if necessary.

For the sake of this "economical science", he spent great energy and made sacrifices. A few months later, the family doctor had to take action and severely forbade him to use this "thrifty" method to "get rich" again.

The deaths of Marx's wife, Yanni, and his eldest daughter, Yanni, in 1883, dealt two fatal blows to Marx, making it impossible for him to recover his health, which had been damaged by years of excessive fatigue. In the mid-seventies, doctors banned Marx from smoking. For Marx, quitting smoking was a great sacrifice.

When his comrade-in-arms Lesner visited him for the first time after he quit smoking, he told Lesner with joy and pride that he had not smoked for many days and that he would never smoke again as long as the doctor did not approve it. After that, every time Leisna went to see him, he always told Leesner how long he had been quitting, and that he hadn't smoked a single cigarette during that time. Even Marx himself didn't seem to believe that he was addicted to smoking and could quit smoking. Sue.

100 apprentices come to a top hotel to learn the art of cooking.

The salary of the apprentices is not high, only a few hundred yuan a year, but the tableware of the five-star hotel is very expensive, and a plate costs 1,000 yuan. If the apprentice accidentally breaks a plate, then he will not only have to pay the 1,000 yuan, but will also be expelled.

The apprentices were therefore very careful, but every year someone broke the plates.

Clever finance, he came up with a plan: if each apprentice was willing to pay a little bit of money every year and pool the money, then whoever broke the plate would use the money to compensate for the plate, and the apprentices would no longer be punished.

Who will manage all this money?

Smart Finance also recommends that you hire a broker to help you manage your money.

According to the market conditions at that time, it cost about 600 yuan a year to hire a broker, and 400 yuan (predetermined fee) to rent an office for a broker. The cost of 1,000 yuan is 10 yuan for each apprentice.

In this way, each apprentice only pays 40 (guarantee cost) + 10 (fee) = 50 yuan a year, and he can break the plate in the middle of the year without being fired.

This is how short-term consumer insurance was born!

But most of the year has passed, and no one has broken the plate, at this time, a person who usually does things most cautiously and carefully thought, I am the least likely to break the plate, this year lost 50 yuan, ten years is also 500 yuan! No, I'll have to talk to finance.

This man thinks about it and feels unsure: if I break the plate and still can't afford to pay for it, is there a way to get the best of both worlds?

Since he wants to get back the principal, I have to charge him some more money, use the extra money to invest, and use the income from the investment to bury his principal back.

That's how returnable insurance was born!

The story of insurance is not that simple, see you next time!

The article comes from the Internet.

Forks.