It s almost time to work Ask Insurance Questions 100 points

I just graduated, the school sent me the file and the migration is correct, my family is in Jilin, and I want to find a job in Qinhuangdao.

1 Is it better to move the hukou to the home or release the talent market first What are the benefits for me to get a hukou in Qinhuangdao?

You don't have to worry, it's like this, the hukou is only a part of the information you provide to the employer when you are looking for a job, indicating that you are a **person, and it does not have a great impact on the specific hukou. The key to this depends on what you want to live in, and then where you will leave your hukou.

2 If I move to my home, will the company in Qinhuangdao give me 5 insurance, and if I go to other cities in the future, will the insurance be useless?

Of course, you will be insured, and if you go to any city in China, as long as you have an employment relationship with the employer, the employer is obliged to purchase social insurance for its employees. As for the use of your insurance in other cities, as long as you can transfer the insurance in the original city, the fees you have paid will also be calculated, but now there is a complicated transfer procedure between provinces and cities, after all, it involves the interests of the two places.

3 Do non-local personnel pay the same amount of 5 insurance as local personnel?

It's definitely different, even if the same local people don't pay exactly the same thing. The payment of social security is related to your job, working years, and nature, for example, if you are a translator, it is different from the payment of financial staff.

4 Is the company's half-given hukou a collective hukou or a real local hukou If I work in other cities, can I still move my hukou?

The company does not have the right to handle an account for you, if it really wants to open an account for you, it is just a relationship. Once the hukou is confirmed, it is generally difficult to move without a reasonable reason, unless the person is married.

5 My ID card is from Qinhuangdao, can it help me to transfer my hukou?

The ID card only provides a reference, indicating that he is a ** person, and he is likely to move into the Qinhuangdao area if he moves his household registration.

6 I am learning Japanese, I hope to enter a Japanese company, I hope you can give some advice, thank you

Of course, you're pretty good. For suggestions, I think that no matter what you learn, as long as you have real talent and knowledge, you will be very popular with employers. My suggestion is that the certificate of several levels in Japanese is secondary, the main thing is to be able to speak well, of course, it is expressed in Japanese, then the treatment must be good!

Bless you and hope to hear your good news.

It is best to move to the place where you work, if you do not plan to return to Jilin in recent years.

At present, social security funds cannot be transferred across provinces, but can be renewed within the same province.

There is no distinction between foreign and local in terms of social security contributions.

There is no definite number of whether the hukou given by the company is a local hukou, and the hukou in the school belongs to the collective hukou.

In some cities, you can't settle down casually, and you need to buy a house.

The key to migrating your hukou depends on the place where you settle down, not the location of your original hukou, so whether you are from Qinhuangdao or not has no impact.

The following questions are asked to you:

1. If you are an urban hukou, there is not much difference between where the hukou is located, but if it is a rural area, then there will be a difference in social security in the future, which will be mentioned below.

2. Whether to pay insurance or not does not look at the household registration in **, as mentioned above, it is still the difference between rural and urban areas. In the future, if you go to other cities, you can transfer to other places, and you will not make friends in vain.

3. The proportion of foreign rural and urban payments will be different, and if it is a rural area, if you leave the local area, you can withdraw the part of the personal payment, and the company part can only leave the local social security institution, which is the difference mentioned above.

4. The company runs a collective household, and once it leaves, the unit will also ask to move out of the household registration. In addition, if there is still a dispute with the company at the time of resignation, it may affect the migration of the hukou.

5. The impact is not large, and the migration is necessary for procedures.

6. What level of Japanese is there? If it does not reach the second or first level, it will only help Japanese companies to enter, but it will not have a qualitative impact.

The above is for reference. For more information, please consult the local talent market.

That's the case, first of all, to buy insurance, the first thing to learn to look at is "insurance liability", and "liability exemption" believe, these two names, I don't need to explain.

Health insurance is divided into 1Critical (Serious) Illness (Illness) Protection, and 2Hospitalization costs as well as 3Daily subsidy.

1.Different companies have different coverage for critical illness, some have 20 types, some have 30 types, and some have 40 types.

2.In commercial insurance, there is no outpatient reimbursement, only in the case of hospitalization, reimbursement will be made, so friends with commercial insurance, such as just a cold, but also in the outpatient clinic, first hospitalization, and then go through the process of prescribing medicine, ** and so on. This is insurable.

3.During the hospitalization, the insurance company will compensate the customer for the financial losses incurred due to the hospitalization according to the requirements of the contract.

The first one is the main insurance, and the remaining two are basically in the category of additional insurance.

Generally speaking, when purchasing commercial health insurance, the body of the insured is healthy. Over 50 years old, the company will basically definitely require a physical examination, and as long as there are indicators that are not qualified, they will refuse insurance. 20-30 years old, rarely medical check-ups.

If this person has a medical history, of course, it depends on the understanding of major companies, generally speaking, if it is not a major illness, if you have such a small problem, you will basically not refuse insurance, but he belongs to a sub-healthy body, which is nothing more than paying a part of the premium than ordinary people in the case of the same amount of insurance.

It should be noted that many salesmen, for the sake of performance, often tell customers that this is okay, that is fine. The purpose is to get customers to buy. If the customer does not "truthfully inform" his situation, the insurance company has the right to refuse to pay for the illness caused by this problem in the future!

Then just refund the premium paid by the customer.

Of course, even if you don't tell the truth, if the insurance company doesn't find a problem after the 2nd anniversary of the contract and surrenders the policy. If the customer is indeed sick due to such problems, the insurance company will pay the claim. Because the Insurance Regulatory Commission (CIRC) stipulates that after the two-year appeal period, the company must follow the contract.

This is actually protecting the interests of the policyholders (customers). This term is called "estoppel".

Ask your ** person, is this surgery really covered by the claim, if it is included, go to the hospital, be sure to talk to the doctor.

Accidental medical treatment is consumer-oriented, and only financial investment insurance products can have considerable returns!

A 38-year-old man applies for an investment life insurance product for himself, example:

The insured amount is 150,000 yuan, and a total of 300,000 yuan of premiums are paid within 5 years, so the income is as follows: 1. When the customer is 44 years old, the customer has 320,000 yuan in the customer account 2. When the customer is 55 years old, the customer has 750,000 yuan in the account 3. When the customer is 60 years old, he begins to receive a pension, receiving more than 50,000 yuan per year, and a total of 1 million yuan in 20 years.

4. After the customer receives the pension at the age of 80, there is still 200,000 yuan in the account 5. When the cumulative customer reaches the age of 100, he can enjoy a one-time payment of more than 600,000 yuan from the insurance company.

Participating insurance, investment-linked insurance, universal insurance, etc.

If you have money to invest, you can sell the most expensive insurance of the insurance company, which basically belongs to the investment dividend category.

36,000 a year, almost 7,000 to pay insurance, I don't think it's cost-effective, you let me design a more suitable one for you, this price I don't think you want to pay in the second year.

If the insured amount is 10 million and the actual fixed assets are 20 million, then you are "underinsured". The ratio of compensation should be (10 million 20 million) = 1 2. That is, half of your losses will be compensated to you.

Of course, the total compensation cannot exceed your insurance amount of 10 million) for you is (50 + 50 + 50) x (1 2) = 750,000.

You say that the salvage value is not counted, and when the insurance company pays you enough compensation, the ownership of the damaged property will be transferred to the insurance company. That's the stuff you have to give to the insurance company.

In the section on the compensation treatment of enterprise property insurance, it is described as follows: if the enterprise property insurance is an indefinite value insurance, the insurer shall be liable for compensation according to the proportion of the insured amount to the insured value in the event of a loss within the scope of insurance liability of the subject matter of insurance. In case of partial loss:

If the insured amount of the damaged property is less than the insured value, the compensation amount is calculated by comparing the insured amount with the insured value. As mentioned in the above example, if it is 10 million at the time of insurance and 20 million at the time of insurance, the ratio is 1 2, then the compensation should be 250,000 yuan for machinery and equipment and 250,000 yuan for car loss. The residual value is generally discounted to the insured in accordance with the agreement, and the amount of the value discounted to the insured is also deducted according to the specific circumstances of the insured amount and the insured value of the insured object in accordance with the agreement in the contract.

Because it is underinsured, you only insure 50% of your assets, so you only pay 50%.

According to the contract, the compensation is 10 million yuan, although the fixed assets appreciate, but the insurance premium is according to 10 million.