Australia and Dehua: What insurance protection should be paid attention to when immigrating to the United States?

It is understood that almost every household in the United States currently has at least seven or eight insurance policies. Due to different income levels, each person and each family choose different insurance items and different premiums, but most people will use part of their monthly salary to pay various premiums.

★ AoDehua ★ After signing a contract with a customer, the immigration company not only ensures that the customer finally gets a green card with professional strength and rich experience, but also closely tracks and helps guide the details of his life after immigration. In this article, immigration experts from Australia, Germany and China will introduce you to five kinds of insurance that you should pay attention to after immigrating to the United States: automobile insurance, residential insurance, health insurance, life insurance and commercial insurance. These five kinds of insurance are most closely related to people's daily life and are also the most common insurance protection.

There are many kinds of health insurance and complete protection.

If there is no insurance, not to mention that the poor look down on illness, even people with certain economic conditions are seriously ill and may lose everything. At present, buying an ordinary medical insurance in the United States, the average monthly premium is about several hundred dollars, but many companies will provide health insurance benefits to employees, which are insured by companies and groups, and individuals only need to pay a small fee or even a penny. General medical insurance includes the cost of doctors and hospitalization, and if it is group insurance, it also includes the cost of production. In terms of proportion sharing, it is generally stipulated that the initial $65,438+000 ($300 a year for the whole family) shall be borne by the insured, and the excess shall be borne by the insurance company 80% and the insured 20%.

The penetration rate of life insurance is as high as 80%

Life insurance is the largest insurance in the United States, with a penetration rate as high as 80% and an annual per capita coverage of about $3,000. In America, life insurance has become a system for people to protect themselves and their families. From the president to the ordinary people, they used bank money when they were alive and insurance company money when they died. Life insurance in the United States can be roughly divided into two categories: whole life insurance and term life insurance.

Residential insurance "all-inclusive"

Residential insurance is also called residential insurance. Many people borrow money to buy a house and pay in installments. It may take a lifetime to buy a house. In order to prevent all kinds of accidents and accidents in the house, homeowners often take the initiative to buy home insurance. This kind of insurance covers a wide range of compensation. In addition to accidents caused by floods, earthquakes and tsunamis, other natural and man-made disasters are covered by this insurance, such as house fire, water pipe leakage, house being damaged by lightning, roof being crushed by snow, people doodling on the wall, thieves damaging doors and windows and furniture, urchins kicking balls to break windows, cars breaking into houses or planes falling down to break houses, etc. The insurance company is responsible for compensation.

There are many auto insurance projects and the price is high.

In the United States, the miscellaneous insurance premium of a general car adds up to at least tens of hundreds of dollars a month, and it is even more expensive if it is a good car. However, in order to avoid astronomical compensation after a car accident, most Americans will add corresponding insurance to their cars. If you need to borrow money from a bank or loan company to buy a car, buying insurance is a necessary condition for the loan. In this case, you must buy all the insurance; If you don't have a loan from the bank, you have the right to choose to buy all insurance or just liability insurance. There are many kinds of automobile insurance provided by American insurance companies, but they usually include four major items: liability insurance, collision insurance, accident insurance and insurance that protects the other party from risks or the insurance coverage is too low.

Companies buy commercial insurance to reduce litigation losses.

In order to bear the loss of commercial litigation, the company can buy commercial insurance. This kind of insurance can be roughly divided into the following four items: articles, industrial accidents, liability compensation and automobiles.

As a well-known service organization in the immigration industry, Aodehua has more than 18 years of successful experience, handled various changes and adjustments in immigration policies, and accumulated rich experience in handling cases and effective coping strategies. Choosing immigration is a very important choice for every family, which is related to the life choice of each family member and the future growth and development of children. In this complicated and professional matter, Aodehua has always adhered to the working concept of "grasping the trust and integrity of the immigration market" advocated by President Xie, taking customer interests as the center and taking truth and objectivity as the criterion, and truly "signing a customer and making a friend", so that every customer who chooses Aodehua can feel professional, practical, comfortable and smooth in the immigration process!