Programmer characteristics
The IT industry is particularly serious overtime, and IT is common to stay up all night.
Every time a sudden death is reported in the news, programmers wonder if they should buy sudden death insurance.
At present, people do not dare to go to the hospital for physical examination, usually big pain, endure the past, really want to see more and more abnormal items on the physical examination list, may not have money to treat, after all, tired life still have to continue.
Common phenomena
Programmers who work for a certain number of years can suffer from all kinds of occupational diseases, especially hairlines. The more bald the hair, the more skilled the work.
A programmer may have sudden death, alopecia, mouse hand, cervical spondylosis, myopia, obesity, memory loss and intermittent headache/chest pain, lumbar disc herniation, periarthritis of shoulder and other symptoms…..
Younger guys may not care much, but programmers in their 30s should.
Who to buy insurance for
The average 30-year-old programmer has a family, a house debt, small children, aging parents, and is the breadwinner.
The correct order of purchase is: adults before children, first for the breadwinner.
Those who bear the largest financial resources and expenses of their family should buy insurance first.
In addition to family factors, you should also consider buying some suitable commercial insurance for yourself to avoid unexpected accidents and serious illnesses that may cause instability in your life.
Basic classification of insurance
Once you know who you’re buying insurance for, you should know the basics.
Insurance products jumbled, various provisions are not the same, each insurance salesman said their own products are good, people simply can not distinguish is a pit or a good security.
What kind of insurance you buy depends on what kind of risks you want to avoid, and a programmer in his 30s might have the following.
- The midlife crisis of programmers, the industry as a whole, and the fact that some employees jump off buildings is not an exaggeration
- Where will the income come from if you become seriously ill and cannot continue to work? Where does the treatment cost come from?
- What will your family do in case of sudden death? All say pay attention to the body, but which is not overdraw life in the work
What kind of insurance covers sudden death?
Other problems can be put aside for a while, but this is the first problem that programmers focus on.
To understand this question, one must first understand the definition of sudden death.
World Health Organization (WHO) definition of sudden death: “normally healthy or seemingly healthy patients, in an unexpectedly short period of time, due to natural disease sudden death is sudden death.
In other words, the cause of sudden death is attributed to illness.
casualty
Accident insurance refers to “an accident caused directly and alone by an external, sudden, unintentional, undiseased cause to the insured”
That is to say, an accident is not a disease accident, an accident related to disease, or an accident caused by disease, which is not covered by insurance.
Sudden death is disease causes, be absent so accident danger safeguard limits, this must divide clear, do not be confused by accident two words.
Life insurance
Death, whether caused by illness or accident, can be paid as long as the provisions are met.
Literal meaning, other risk is planted probably compensate pay but do not compensate commonly, only life insurance can compensate pay.
Serious illness insurance
Serious illness insurance with death liability can be paid. But if death is not included, it can be difficult to determine the conditions for compensation, because sudden death can occur quickly and kill people in a short time, and it is generally difficult to obtain compensation.
Health care
The occurrence of sudden death is generally short and rapid, often in the process of emergency treatment, will not occur high medical costs,
If there is no medical expenses in the process of rescue, it does not involve reimbursement and compensation of medical expenses.
For sudden death, health insurance generally doesn’t cover much, because many million-dollar health plans have a $10,000 deductible.
Can cervical spondylosis buy insurance?
Cervical spondylosis can buy insurance, without serious complications, serious disease risk can accept insurance by the standard.
If come on time is more near (usually 3 years or inside 5 years), disease is more serious (have complication to wait), whether be in period of make a diagnosis and treatment, can affect the accept insurance of medical treatment insurance, above circumstance is standard accept insurance normally or except responsibility.
In a nutshell, it’s a case by case discussion,
Now most people have certain cervical spondylosis, different insurance has different underwriting needs, truthfully inform insurance managers can.