6+ マンション保険積立掛け捨て Article

「掛け捨て保険」と「積立保険」の違いをわかりやすく解説社会保障と民間保険 from hosyou-hoken.com

Introduction

Living in a condominium or apartment complex in Japan comes with various costs, including maintenance fees, utilities, and insurance. One of the insurance options available for condominium owners is "マンション保険." However, to make insurance payments more manageable, some people opt for "積立掛け捨て" payment plans. In this article, we'll dive into what this payment plan entails and whether it's a viable option for you.

What is "マンション保険"?

"マンション保険" is an insurance policy designed for condominium owners. It covers damages to the building's common areas, such as the lobby, elevators, and hallways, caused by natural disasters, fire, or theft. The policy also covers third-party liability, which means that it protects you in case someone gets injured within the common areas.

What is "積立掛け捨て"?

"積立掛け捨て" is a payment plan that allows you to pay for your insurance policy in installments. The word "積立" means "to save up," while "掛け捨て" means "to throw away." In this payment plan, you save up a certain amount of money each month, which is put towards your insurance policy. Once the policy expires, you don't get any money back, hence the term "throw away."

Pros of "積立掛け捨て"

One of the main advantages of "積立掛け捨て" is that it allows you to spread out the cost of your insurance policy over several months, making it easier to manage your finances. Additionally, this payment plan is often cheaper than paying for the policy in one lump sum. Furthermore, since you're saving up money each month, you have a bit of a cushion in case of an emergency.

Cons of "積立掛け捨て"

While "積立掛け捨て" may be a convenient payment plan, it does come with some disadvantages. For one, you don't get any money back once the policy expires, even if you didn't make any claims. Additionally, if you stop making payments before the policy expires, you lose all the money you've saved up. Finally, "積立掛け捨て" payment plans may not be available for all insurance policies, so you'll need to check with your insurance provider.

Is "積立掛け捨て" right for you?

Whether "積立掛け捨て" is the right payment plan for you depends on your financial situation and personal preferences. If you prefer to pay for your insurance policy in installments and have a bit of a financial cushion, this payment plan may be a good option. However, if you prefer to have more control over your savings and want the option to cancel your policy at any time, you may want to consider paying for your policy in one lump sum.

Conclusion

In summary, "マンション保険" is an insurance policy designed for condominium owners that covers damages to the building's common areas and third-party liability. "積立掛け捨て" is a payment plan that allows you to pay for your insurance policy in installments over several months. While this payment plan is convenient, it does come with some disadvantages, such as not getting any money back once the policy expires. Whether "積立掛け捨て" is the right payment plan for you depends on your financial situation and personal preferences.