The difference between life insurance and housewives insurance
According to Poli Mali News, Mohammad Hasan Zada, the former deputy of insurance of the Social Security Organization, stated that “insurance” is a guarantee for people’s hard times, and stated: In the Social Security Organization, insurance is designed for old age and disability, and everyone should protect themselves for this. Prepare for days.
Pointing out that in addition to other jobs, housewives also have to insure themselves, he emphasized: although housewives are at home, they have a heavy job, and despite this, their efforts are not seen and less attention is paid to them; As if the work they do is their duty, when it is not, and housewives should be looked at as working women.
The former insurance deputy of the Social Security Organization continued: Housewives can use their pensions if they are covered by insurance. These rights can also affect the family economy.
Zada stated that three types of insurance premium rates have been defined for housewives insurance, and applicants can select one of them by their own choice. 50 years old, must have previous insurance payment history equivalent to the excess age, and the premium payment rate is 12, 14 and 18 percent of salary or monthly income chosen by the applicant. The insurance premium rate is 12% including retirement obligations and death after retirement, 14% rate includes retirement obligations and death before and after retirement, and 18% rate includes retirement, disability and death.
He reminded: In order to register this insurance, applicants can insure themselves by referring to the social security website for a premium of 12%, but for the rates of 14 and 18%, due to the need to perform initial examinations, they must go to the branches of the Social Security Organization.
In response to a question about the fact that some people believe that instead of paying housewives’ insurance premiums, they should buy life insurance, the former insurance deputy of the Social Security Organization explained: In life insurance, for example, people with a capital of 100 million tomans and a very heavy insurance premium life insurance, and in case of death, the same amount of 100 million Tomans will be paid to his relatives, but if nothing happens to the person, he must pay the heavy insurance premium by the due date, and after that, this 100 million Tomans will be paid to the person. . But it should be taken into account that when the prices multiply, that money is no longer valuable, and in countries with double-digit inflation, it is not advisable to have life insurance, but the good thing about social security insurance is that its amount changes from year to year.
He also answered another question about whether women who retire on their own can use their husband’s pension in case of their husband’s death. In addition to their own pension, they should also use their husband’s pension.
Source: ISNA