I asked a person with a savings of 10 million yen or more, "Insurance that is not included, and does not do insurance", why?

Although the crisis situation at one time has finally come out, the new Coronavirus evil that has not yet been predicted.Many people may be doing various risk hedging for the future while the income and employment are uncertain.

As one of the effective means of preparing for the future, some people may think of savings and various insurance.So what kind of insurance do you actually have for those who are saving money?

Therefore, this time, a questionnaire survey was conducted for 358 male and female members of Mynavi News with a savings of 10 million yen or more.We asked "the most important insurance and insurance that I don't need to enter the most."

Q. Do you have any insurance?

"Yes" (89.9%) "No" (10.1%)

Q. Which insurance do you have? Select the applicable one (multiple selections)

1st place "Medical insurance / hospitalization insurance" (61.5%) 2nd place "Automobile insurance" (61.2%) 3rd place "Death insurance" (56.5%) 4th place "Fire Insurance" (52.2%) 5th "Cancer Insurance"(38.5%) 6th place "Individual pension insurance" (35.4%) 7th place "Non -life insurance" (28.3%) 8th place "Bicycle insurance" (21.1%) 9th place "Long -term care insurance" (12.7%) 10th place "Student insurance(12.4%) 11th place "Motorcycle Insurance" (11.8%) 12th place "Pet insurance" (11.2%) 13th "Employment Insurance" (9.3%) 14th place "Saved Insurance" (9.0%) 15th "TravelInsurance "(4.3%) 16th place" Women Insurance "(4.0%) 17th" Dementia Insurance "(1.9%) 18th place" Other (free response) "(1.2%)

Q. What is the most important insurance of the insurance selected in the previous question?

1st place "Medical insurance / inpatient insurance" (31.4%) 2nd place "Automobile insurance" (16.1%) 3rd place "Death insurance" (14.9%) 4th place "Individual pension insurance" (12.7%) 5th "cancer insurance(7.8%) 6th place "Fire Insurance" (6.2%) 7th place "Saved Insurance" (2.8%) 8th place "Loss Insurance" (2.2%) 9th "Employment Insurance" (1.9%) 10th place "Bicycle"Insurance "(1.6%) 11th place" Student Insurance "(0.6%) 11th place" Pet insurance "(0.6%) 11th place" Other (free response) "(0.6%) 14th place" Long -term care insurance "(0.3%) 14Learn "Motorcycle Insurance" (0.3%)

Q. Please tell us why you have insurance selected in the previous question (free answer)

■ "Medical insurance / hospitalization insurance"

・ "I have a chronic illness and I do not know when I will be hospitalized or going to the hospital." (49 -year -old woman/Others/Others, housewives, etc.) ・ I think that medical insurance is necessary because I live alone.・ Credit sales/IT -related technical profession) ・ "I think that medical insurance is the most important when I get sick and hospitalized. I think medical insurance is the most important" (47 -year -old woman/food business/specialized service) The possibility of this cannot be denied, and it is even more so in the present era (41 -year -old male/Others/office/planning/management) ・ “I do not know when to be infected with colona” (37 -year -old male/agricultural and forestry・ Fisheries/Architecture/Civil Engineering -related technical professions) ・ “It may be necessary when long -term hospitalization or advanced surgery is required” (56 -year -old male/system integrator/IT -related technical profession) ・ “If you are sick I am in preparation for medical expenses when I need a high medical expenses for injuries. " I will be. Even my family has experienced hospitalization, so I thought it was good to have insurance at that time (40 -year -old male/Others/Others, housewives, etc.) ・ “If you are in case, The biggest reason is that not only the help of medical expenses and expenses related to hospitalization, but also not wanting to bother the family as much as possible "(59 -year -old male/education/office work/planning/management) I don't know if I will get injured or ill, and I think it's better than paying for a high medical expenses on my own. "(42 -year -old male/food/business -related) In order to stabilize the cost of treatment and stabilize income due to leave "(53 -year -old male/real estate/professional profession) ・“ It is good now because it is healthy, but as the age increases in the future, in the event of a hospitalization due to an accident or an accident. Even if a high hospital fee is charged, it would be helpful if you could cover it with a little insurance that you have. I try not to live a life that requires insurance. "(52 -year -old male/power, gas, energy/business related) ・“ I am in trouble in case of emergency. If I have 100 million financial assets There may be some choices that do not get insurance, but you are not rich, so you need insurance. "(49 -year -old male/hotel/inn/office/planning/management) (58 -year -old male/Others/Others/housewives, etc.)

■ "Car insurance"

・ "Because the accident occurs is recognized as a familiar problem" (53 -year -old male/medical/welfare/nursing care service/specialized service) ・ Because the insurance target in the accident is good and the price was low (56) (56) (56 Old man/Other electronic/electronic/mecha -related technical professions) ・ “Car accidents are often expensive, for emergency” (44 -year -old male/service/Other technical positions) ・ “Frequent driving cars) Is high, because the damage will increase in the case of an accident (59 years old male/glass/chemistry/oil/business related) ・ "I do not know when to cause an accident because I am driving a car by commuting." (31 -year -old male/computer equipment/IT -related technical profession) ・ "I think it is essential to have insurance because there is a risk of car accidents, so I think it is essential to have insurance" (59 -year -old male/software/information processing/IT related Technical position) ・ “I would have to pay a large compensation due to unexpected accidents, so I would have trouble” (52 -year -old male/railway, air transport, air transport, land transportation, and equipment related) ・ “Including others) If you have a property damage accident, your burden will be very large. "(56 -year -old male/other manufacturer/sales related) I don't know what will happen. I don't do anything dangerous, but it's often the case that the danger comes. "(39 -year -old male/Others/Others, housewives, etc.) Even if you need a large amount of damages and treatment costs due to death, if you have insurance, you will be able to get the insurance company to cover hundreds of millions of compensation (59 -year -old woman/Other/Other/Dedicated/specialized. Housewives, etc.) ・ “Because it is insurance for others” (58 -year -old male/medical/welfare/nursing care services/specialized services)

■ "Personal pension insurance"

・ "If you die, you can definitely leave it to the remaining family" (41 -year -old male/public office/public service) ・ "It is important when something happens because you are only working in your family." /Transport equipment/mecha -related technical profession) ・ "There is no principal guarantee, but it is a complete guarantee of 1%interest rate, and after 10 years, it is a one -year update (58 -year -old male/other/others/others・ Full -time housewife, etc.) ・ “To make the family can live in the unlikely event of an emergency” (47 -year -old male/life insurance/non -life insurance/office/planning/management) ・ “As a self -employed person, it is expected to be pensions. "I can't do it" (49 -year -old male/Others/housewives, etc.) ・ "I think this funding insurance is very important because I can't live with a pension alone after retirement" (45 -year -old male/communication Related/Office/Planning/Management) ・ “I am worried about my retirement in the future. If you do not save a little money, you may not be able to live” (45 -year -old male/other/other/specialized professional)

■ "Death insurance"

・ "Bank's time deposit is low -interest rate" (59 -year -old woman/food/office work/planning/management related) ・ "For a complementary role for future pensions" (47 -year -old male/service/sales related) ・ "Retirement retirement) Preparation. I joined when I was young, so the yield is good. "(57 years old male/Others/Others, housewives, etc.) /Education/administrative/planning/management related) ・ “It is the best choice to join death insurance for the remaining family” (52 years old male/Others/Others, housewives, etc.) ・ “With husband Think about being able to live after your husband has retired or when your husband is retired, so that you can live when you live alone. " As a criterion for taking out insurance, it rarely happens in the future, but if you get up, you will only be able to pay if you have two standards that you can not pay with the funds you have. Because it is death insurance, I am joining it "(37 -year -old male/government agency/public service)

■ "Cancer insurance"

・ “The medical expenses burden is large, in case of emergency” (56 -year -old male/trust bank/sales related) ・ “Cancer treatment is more expensive. I am worried that I can not save money” (27 -year -old male/other/other/others・ Housewives, etc.) ・ “Because I am over the age of 50, I have more chances of getting cancer” (50 -year -old woman/Others/specialized service related) ・ “Because it is a family with many cancers, I may be so.(48 -year -old woman/Others/Others, housewives, etc.) ・ “It is an era where one in three people suffers from cancer.I think it is necessary to join! "(38 -year -old women/Others/Others, housewives, etc.)

■ "Fire insurance"

・ “In the unlikely event that a house is damaged” (33 -year -old male/specialized consultant/business related) ・ “For housework, water leakage, and fire, etc.” (36 -year -old woman/real estate/office work ・Planning and management -related) ・ “Because the frequency of occurrence is extremely low, the cost of loss and the cost of construct are too large” (59 -year -old male/Others/Others, housewives, etc.) ・ “It can also be used for fire, tsunami, etc.Is it the most necessary because it supports flood damage? (38 -year -old male/software/information processing/IT -related technical profession) ・ “In order to prepare for disasters.36 -year -old male/real estate/professional profession) ・ "Because it is a rental, I have to enter" (44 -year -old woman/education/specialized service)

■ "Saved insurance"

・ "I rely on the redemption amount at maturity" (53 -year -old woman/specialty store/sales/service related) ・ "Currently, funded insurance has a high interest rate" (50 -year -old male/distribution/chain store/IT -related technical profession) ・ "In order to change savings because it has a better interest rate than depositing in the bank without any broken principal" (30 -year -old woman/public interest/special/independent administrative agency/public service)

■ "Non -life insurance"

・ "In preparation for something happened" (43 -year -old male/food business/sales/service related) ・ "I want to reduce damages" (52 -year -old male/Other/other housewives, etc.)Because it is a rule "(51 -year -old male/general electrical/mecha -related technical job)

■ "I can't work"

・ "Because it is the end if you stop working" (33 -year -old male/specialized trading company/sales related) ・ "If you can't work, your family will be in trouble" (47 -year -old male/distribution/chain store/sales related)

■ "Bicycle insurance"

・ “Because the movement is mainly bicycle” (57 years old male/Others/Others, housewives, etc.) ・ “If you may bother others, or if you die or get a disability., Because it will bear a heavy burden for me (50 -year -old woman/human resource dispatch/human resources introduction/Others, housewives, etc.)

Q. Do you have insurance that you don't need to enter?

"Yes" (77.4%) "No" (22.6%)

Q. Which of the following insurance do you don't need to enter? Select the applicable one (multiple selections)

1st place "Pet insurance" (40.1%) 2nd place "Student Insurance" (29.6%) 2nd place "Motorcycle Insurance" (29.6%) 4th place "Women's Insurance" (29.2%) 5th "Travel Insurance" (19.9%)6th place "Employment Insurance" (17.7%) 7th place "Death Insurance" (17.3%) 7th place "Dementia Insurance" (17.3%) 9th place "Individual pension insurance" (13.4%) 10th place "Saved insurance"12.6%) 10th place "Bicycle Insurance" (12.6%) 12th place "Long -term care insurance" (9.4%) 13th place "cancer insurance" (8.7%) 14th place "Car insurance" (8.3%) 15th "Medical insurance ・"Hospitalization insurance" (7.6%) 16th place "Fire Insurance" (6.5%) 17th place "Lost Insurance" (5.4%) 18th place "Other (free response)" (2.2%)

Q. What is the insurance that you don't need to enter the most in the insurance you chose in the previous question?

1st place "Pet insurance" (19.1%) 2nd place "female insurance" (10.8%) 3rd place "death insurance" (10.1%) 4th place "Student insurance" (9.7%) 5th place "motorcycle insurance" (8.7%)6th place "Travel Insurance" (6.5%) 7th place "Employment Insurance" (6.1%) 8th place "Individual Pension Insurance" (4.3%) 9th place "Bicycle Insurance" (4.0%) 10th place "Dementia Insurance" (3.6%) 11th place "Reserve insurance" (3.2%) 11th place "Automobile Insurance" (3.2%) 13th place "Cancer Insurance" (2.9%) 14th place "Medical insurance / hospitalization insurance" (2.2%) 15th ""Long -term care insurance" (1.8%) 15th place "Fire Insurance" (1.8%) 17th place "Other (free response)" (1.4%) 18th place "Significance insurance" (0.4%)

Q. Please tell us specifically why you don't need to get insurance chosen in the previous question (free answer)

■ "Pet insurance"

・ "I do not intend to keep a pet and I can't afford to keep it, so I don't need it." (49 -year -old woman/Others/Others, housewives, etc.)I think (58 -year -old male/Others/Others, housewives, etc.) ・ “Cost -related effects seem to be low” (46 -year -old men/transportation equipment/administrative/planning/management related)

■ "Women's insurance"

・ "Because it is a male, it is obviously not eligible" (48 -year -old male/service/office work/planning/management) ・ "It seems to be specialized in women, but I do not feel the merit" (33 -year -old male/education/specialty/specialtyOpen) ・ “Because the hospitalization insurance that has been enrolled has a guarantee on women -specific diseases” (54 -year -old woman/medical/welfare/nursing care service/specialized service)

■ "Death insurance"

・ "Because I am unmarried and is likely to be lonely in the future" (54 -year -old woman/Other electrical/electronic/office work/planning/management related) ・ "I do not earn money, so I think it will not affect even if I die." (55 -year -old woman/specialty store/sales/service related) ・ "Because I am single, I can't be my own even if I have death protection" (52 -year -old male/railway/air transport/land transportation/transaction/equipment/equipment "Related)" "I don't need insurance because I have a husband, so I don't need insurance because I think it's okay to die." I don't think I need to get insurance to leave "(55 -year -old women/Others/Others, housewives, etc.) ) ・ "I don't know anything after I die, and I don't have to leave something. Even if I just worry, I will die when I die. Anyway, for me now. I don't think it's necessary. "(39 -year -old male/Others/Others, housewives, etc.) ・“ If you lose any money for yourself after you die, you can spend money for someone after death. I feel that it is enough to leave the property. I am single, so I can do that. "(53 years old male/Others/Other housewives, etc.) I think that the remaining family can live enough due to gold, survivor's pension, and savings (59 -year -old male/glass, chemistry, oil/business related) ・ “If you are a so -called life insurance, but if you are saving some money, you can save some money. As you get older, the monthly stake will be expensive and the security content will decrease. Of course, after dying, your family has never been troubled with money, but canceled life insurance after the age of 60. However, it is better to save monthly life insurance paid for each month along with the cancellation fee (59 -year -old male/education/office work/planning/management) ・ “I decide that I am alone in my life, so I am myself. There is no one to receive after dying "(49 -year -old male/food/sales/service related)

■ "Student insurance insurance"

・ "Because it is only necessary to save child support" (47 -year -old man/distribution/chain store/business related) ・ "Savings and death insurance are more certain" (54 -year -old male/other electronic/electronic related/mechatro/mechatro Related technical positions) ・ “I don't feel much benefit because the interest rate is low now” (41 -year -old male/bank/office/planning/management) ・ “Turn the funds for investment, you can expect returns. (35 -year -old male/bank/business -related) ・ "There is no merit in terms of taxation, and bank reserved deposits can be sufficiently covered" (57 -year -old male/other financial/sales related) ・ “Children become adults So, I judge that I don't need it anymore. "(51 -year -old male/software/information processing/mectro -related technical profession) ・" Of course, it will be necessary for families with children, but we have no children. " (52 -year -old woman/Others/housewives, etc.) ・ "I hope that the country and local governments will follow me due to the declining birthrate of children" (53 -year -old male/real estate/other housewives, etc.)

■ "Motorcycle insurance"

・ "I do not need to join because I do not ride a motorcycle" (52 -year -old male/design/business related) ・ "I do not have a motorcycle" (33 -year -old male/specialized consultant/business related) ・ "Motorcycle (motorcycle (motorcycle))I do not have it and I will not buy it in the future "(41 -year -old male/other/office/planning/management)

■ "Travel insurance"

・ "I don't go very much, so I rarely get on an airplane." (38 -year -old male/software/information processing/IT -related technical profession) ・ "Currently in the world, I will refrain from traveling. (37 -year -old male/software/information processing/IT -related technical profession) ・ “Because traveling does not go much! I think that travel destinations are cheaper than paying insurance premiums compared to the number of travels. ! I think it can be prevented at your own risk "(50 -year -old male/railway/air transport/air transport/land transportation/transportation/equipment related) ・“ Travel is the only hobby, and before the corona evil, half a year before the catastrophe. I always went to it, but I have never entered, I think that it is too inefficient or wasteful. If you think that you want to buy safety with insurance, it may be cheap, it may be cheap. Even if you subtract it, the wasteful person stands first and you are not willing to enter. "(49 -year -old male/hotel/inn/office/planning/management) (48 -year -old male/precision equipment/mechatro -related technical position)

■ "I can't work"

・ "Because I am a civil servant" (36 -year -old male/public office/public service) ・ "I think I can live with savings" (50 -year -old male/distribution/chain store/IT related technical position) ・"Because I hear that it is difficult to pass the insurance money," (30 -year -old woman/public interest, special, independent administrative agency/public service related) ・ “Less than two months to retire./Cosmetics/Pharmaceuticals/Other technical positions) ・ "Because they are not working" (58 -year -old male/Others/Others, housewives, etc.)

■ "Personal pension insurance"

・ "Cospa is bad" (28 -year -old male/railway/air transport/land transportation/professional) ・ "I think it is better to operate it yourself" (56 -year -old male/system integrator/IT related technical profession)・ "I think that 10,000 you can use now is more valuable than 100,000 you can get in retirement."(42 -year -old male/Others/Others/housewives, etc.)

■ "Bicycle insurance"

・ "I do not ride a bicycle" (40 -year -old woman/Others/Others, housewives, etc.) ・ "Because it will be compensated if you get damages"Related) ・ “Because it is accompanied by car insurance, it is not necessary to dare to enter” (44 -year -old male/service/Other technical positions) ・ “I usually ride a bicycle, but I have a considerable speed and ride.I am. I think that bicycle insurance is not necessary because it is driving with a considerable level of danger forecasts. First of all, I don't think that others will be injured by bicycle. "(52 years old male/power/gas.・ Energy/sales related)

■ "Dementia insurance"

・ “To subdivide the risks too much” (39 -year -old male/broadcast/newspaper/sales related) ・ “There are no people with applicable symptoms in the family. Rather than worrying about such concernsIf you spend your time doing something in a good mood every day, I don't think you have time to have dementia. "

■ General commentary

As a result of the survey, the top of the insurance that the Mainavi News member with more than 10 million yen is the most important insurance is "Medical Insurance and Hospitalization Insurance" (31.4%).The following is followed by the second place "Automobile Insurance" (16.1%), 3rd place "death insurance" (14.9%), 4th place "Individual pension insurance" (12.7%), and fifth place "cancer insurance" (7.8%).On the other hand, in insurance that I don't need to enter, the first place is "pet insurance" (19.1%).2nd place "Women's Insurance" (10.8%), 3rd place "death insurance" (10.1%), 4th place "Student Insurance" (9.7%), 5th place "motorcycle insurance" (8.7%) is the top 5There is.

Let's take a look at why you chose the top five insurance.First of all, in the "most important insurance", you can see the cost -effectiveness, such as the various risks you feel, the security content provided by your insurance, and the balance with the necessary stakes.It can be said that it judges the necessity.

For example, if you are concerned about the expensive cost of hospitalization and treatment due to illness or illness in the future, "medical insurance / hospitalization insurance" or "cancer insurance" may cause traffic accidents by frequent driving people.If you are worried, you will consider "car insurance", and when you consider your retirement life or a family after death, you will consider taking out "death insurance" or "personal pension insurance".In particular, it is very natural to prepare for personal injuries where compensation tends to be expensive or cancer that is likely to suffer from life.

On the other hand, "insurance that I don't need to enter" is something that is not necessary for my own life or life plan, and low -priority."Pet insurance" for those who do not have pets, "female insurance" for men, "student insurance" in single people and homes without children, and "motorcycle insurance" for those who do not have a motorcycle.This is a relatively simple reason.

Interesting is "death insurance".In the "most important insurance", it was also ranked third, which was greatly divided.

The reason why I don't think I need it is unmarried, I have no plans to get married in the future, "I have no one to receive after dying," "I don't have any money, so it doesn't affect my death."It's okay to die. "" There are no children, so if you have some deposits, you don't have to worry about your after death. "There are a wide variety of things, such as the remaining family can live enough, and "it is better to save monthly life insurance premiums."

This may be because the perception of "death insurance" reflects each life plan and life view.For those who are single and have no family left after death, it is convinced to think that "you do not need to leave something after death."

In addition, two types of "death insurance", "dumped type" and "savings type" may be divided.The "dumped type" is relatively low insurance premium, and "savings death insurance" has savings in addition to security and savings in cancellation refund and maturity insurance.Even if you don't have a family, there may be circumstances that the latter will be in the options.

According to this survey, a member of Mynavi News with a savings of 10 million yen or more has firmly looked at her lifestyle and future images, and determines what is needed and what is not.The actual situation was shown.

The modern times have diversified values and have a wide variety of people's ways of life.Insurance selection also needs to be done accurately accordingly.This time, the result was a questionnaire that made me feel like that.

Survey Time: September 19, 2021 Survey target: Savings of 10 million yen or more Men and Women Men and Women Member Survey: 358 Survey method: Internet login -type questionnaire

* The photo and the text are not relevant