カテゴリー
FP独立開業

独立系FPが考えるFPと相性が良い資格TOP3

費用対効果が高い資格に注目!

FPになるために他の資格をとって「ダブルライセンス」や「トリプルライセンス」をとった方が良いですか?と聞かれることが多々あります。
もちろん資格があるにこしたことはありませんが、FPとして仕事をする上では資格以上に大切な事がたくさんあります。あくまでもFPはコーディネーターなので「コミュニケーション力」「ヒアリング力」を高める方が仕事に直結するでしょう。
そんな中でも、FPと相性の良い資格を独自の目線でランキングしました。
今回選定した資格は、費用対効果が高いTOP3をご紹介いたします。
相性は良いけど難易度が高い資格は(税理士、社会保険労務士、司法書士)などは
ランキングに含んでおりません。
FPは各分野の専門家ではありません。
専門家の方々をまとめるコーディネーターとしての考えからこれらの資格は除外しているという事ですね。

それではランキングを見ていきましょう!!

第1位.宅地建物取引士

宅地建物取引士(通称、宅建)は年間の受験者数が約20万人のメジャーな国家資格です。
不動産の売買や賃貸の仲介をする際に重要事項を説明する事ができます。
合格率は「15%程」と一見低いですが、まったく勉強をせず会社から強制されて受験している方も多いのでしっかり勉強している人だけの合格率を考えるともっと高いと思います。きちんと計画を立てて勉強すると間違いなく合格できる資格です。
僕が不動産会社いた当時の同僚もきちんと勉強していた人合格していました。
しかし圧倒的に勉強しない人が多いんですよね。10人いたら2人くらいが真面目に勉強していましたね、不動産会社って勉強嫌いの人が多いんだなと思いました。合格すれば資格手当で毎月3万円もらえたのに・・・それでもしないというある意味強者が多かったですね。

宅建がFPと相性の良い理由

FP相談を受けていると不動産の相談は必ずと言っていいほどでてきます。マイホーム購入の相談や、自宅を賃貸に出す相談、投資不動産を買うなどその内容は多岐に渡ります。
そんな時に宅建を持っていると不動産の一定知識があるアピールにもなりますし、
宅建業の免許をとればそのまま不動産仲介もお手伝いすることができます。
お金の相談も不動産の相談も1つの窓口でできるとお客さんはラクですよね。
ちなみに不動産仲介の手数料は一般的に物件価格の3%プラス6万円です。
3000万円の物件を仲介すると96万円の報酬になります。
この仲介手数料3%は上げる事はできませんが下げることは可能なので
2%などでやってあげるとお客様も嬉しいと思います。単純に30万円節約に
なりますからね。
ちなみに僕自身は資格を持っていますが、会社として宅建業の免許をとっていないので
仲介はしていません。信頼のおける不動産会社とパートナーシップを組んでお客様のフォローをしています。その場合でもFP自身が宅建を持っていると不動産会社から一目おかれますし、仲介手数料の値引き交渉もしやすかったりします。是非チャレンジして頂きたい資格です。

第2位.DCプランナー

DCプランナーはあまり聞かれた事がないと思います。
DCとは確定拠出年金の事です。
合格率は2級で「50%程」1級で「20%程」です
一般社団法人:金融財政事情研究会が行っている民間資格で国家資格ではありません。
国家資格ではないですが近年、確定拠出年金の相談は急増しています。

確定拠出年金の相談が増えている理由

企業がこれまでの企業年金を確定拠出年金に切り替えるケースも多くい一方で、
従業員はいきなり確定拠出年金のパンフレットを渡され、十分な教育を受けずに
訳も分からない状況になっています。
僕のお客さんでも確定拠出年金っていうのが会社で始まったけど良く分からないという人がほとんどです。また、個人型確定拠出年金(iDeCo)も少しずつ普及しはじめたので確定拠出年金に強いFPはこれから重宝されると思います。これからの将来を見据える上で価値のある資格だと思います。また相談の入り口としては非常に良いので、確定拠出年金の相談をきっかけに将来のクライアントになる可能性も高いです。

第3位.貸金業務取扱主任者

この資格もあまり聞いたことは無いかもしれませんが、「国家資格」なんですよ。
まだ歴史の浅い国家資格ですが、貸金業を行う上での必須資格となっています。
2009年に国家資格としてスタートしたので来年で丁度10年ですね。
資格スタート時の合格率は70%ほどありましたが、今は30%前後に落ち着いていますね。

FPに貸金業が関係あるの?

貸金業というと一見FPには関係が薄いように思われますが、住宅ローンを扱う際にこの資格を持ってくと重宝されるのです。僕の前にいたFP会社は住宅ローンを取り扱っていたので貸金業務取扱主任者が1人必要でした。今は銀行がお金を貸す役割も薄れてきて、クラウドファンディングなどが急激に伸びてきています。貸金業務取扱主任者がこのような場面で必要になる事も将来的にあるかもしれませんね。

まとめ

いかがでしたか?
聞いたことのない資格がいくつかあり、驚いたという方も多いかと思います。
今回のランキングは僕が独立系FPとして仕事をしていく中で感じた「独断と偏見」でのランキングなのでご理解ください。
もちろん難関資格と組み合わせて活躍しているFPの方もたくさんいらっしゃるので、その道に進む方を否定する気は全くありませんから!
ただ、FPはあくまでもコーディネーターとしての役割を極めるべきだと私は考えています。専門分野を極める事に注力しすぎて「木を見て森を見ず」状態にならないよう注意する必要がありますね。
コーディネーターとして人間性豊かなFPが世の中で活躍できる社会を目指し、これからも活動していきます!

カテゴリー
FP独立開業

Are you aware What Worldwide Marital relationship Agencies Are Regarding?

World-wide matrimony firms have one main objective in mind- To help you get the “perfect” better half international! They have all the equipment they have to find the right partner suitable for you. The very best component is the fact you could be be confident that their products and services will be reputable.

The businesses experience superb regional search engine optimisation methods to find the word away about their webpage. And they do this simply by receiving recommendations from other people and through the by using appear advertisings on the Net. Sadly, the appear advertising you don’t have any information about the organization.

Nonetheless may idiot your self; these are generally not falsify show up advertising. In fact , they have been used by lots of a online dating product in Asia. Nonetheless We question there are numerous people who may admit they are really bogus, since these firms will be completely reliable. And they’re definitely worth an attempt.

Discussing go through the benefits you might when you go on the web and subscribe while using the firm: primary it will be possible to see the background of women and men close to you. The second thing is, if you would like to analyze the type of women you wish to satisfy, you may go through the online dating websites to get an understanding in the form of females. Lastly, it will be possible to publication to get a time frame right away without any hassle. Nobody will have to know you will absolutely using the services of a global marital relationship firm.

The present day world-wide marriage organization provides every one of the features you may expect, although how may you notify that they can be a legitimate legitimate enterprise? The main matter you have to know is that they present guaranteed legal products.

If you happen to believe they are just for proper, they should confirm this in a really professional approach. For instance , the right regulations in Vietnam that need to be adhered to as well as the legislation says that an foreign marital life organization simply cannot charge you fees before they have reached the level of trial. They also should certainly keep to what the law states which forbids these people out of www.asianwomenonline.net exchanging cash pertaining to the assistance.

The bottom line is, they need to retain the word and become faithful to the actual advertise. So look into their history and decide if they have reflected the word. Remember that you get what you pay for.

It could genuinely help if you take these guidelines in to good judgment and find the service you really need. It could possibly make all the difference when you are basically intending to get married to.

カテゴリー
FP独立開業

Realistic Solutions In mail order brides Examined

Really real, snail mail order brides to be undoubtedly are a safe approach to get married. But , for anyone like most girls, you are contemplating the best snail mail purchase wedding brides. If you’re also looking for one of the most exquisite females on the planet.

Your wedding day is most likely in your concerns. It is important that you just pick the ideal clothes and jewelry. This doesn’t need to be a difficult decision. indian bridal When you find a top all mail order brides web page, you could be specified the wedding outfit and other products is going to be graceful and tasteful.

When you find an online site together with great effects, you should use this your best guide while you seek out mail-order birdes-to-be. In many cases, you need to figure out how much you will absolutely ready to spend for the bride. In cases like this, that is wedding and reception funds.

A number of the characteristics you should look for while you look for the ideal woman will be the entire clothes, the particular minimize, the fabric, the add-ons, along with the standard of custom. You might want to use the capabilities to your benefit. For example , many brides to be own lengthy dresses plus will be thought to be pretty official wedding brides.

You may even employ these kinds of characteristics to locate a bride-to-be which would fit in your finances. For instance , if you can’t manage an attire, you may be allowed to find the money for some sort of skirt or even evening gowns.

Brides to be which are formals are generally taller compared to the regular person. You may even get these kinds of traits into mind. For anybody who is searching for a stunning in addition to stunning new bride, you really should get wedding brides who definitely are lower than average level.

Birdes-to-be which have been shorter than standard level probably will be more well-liked. She or he is susceptible to look great on any occasion.

The next action you should find can be how aged your bride is normally. A lot of brides to be discover their age when searching for a soon-to-be husband and don’t want to be committed just before their age.

Brides to be which have been more than 3 decades ancient are certainly more liked by most birdes-to-be. Their very own looks are still amazing also at this age. You really should look for stunning postal mail purchase birdes-to-be that happen to be near to your actual age.

You may want to consider a sizzling hot new bride that may be near to your age. You can actually locate wedding brides which can be close to the period. The thing is that you could wish to locate birdes-to-be that are within a practical age range.

A lot of figure out the girl you are considering marrying is actually a virgin. Any time she will be not really, you really should find out why she actually is not married. While most brides to be who will be virgins could possibly be well-known, you should keep your own personal options available.

You might find that that snail mail order birdes-to-be happen to be well-known for the reason that she or he is cheaper. If you realise the birdes-to-be you have in mind for less money, you might be competent to save money to complement the buying price of the most effective birdes-to-be. Consequently, you can find dating one of the greatest postal mail purchase wedding brides on the globe.

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FP独立開業

Finding Efficient Foreign Wedding brides

It is not strange to find that a lot of women trying to find husbands are ready to work out down with overseas brides. Yet , the within the number of international brides is usually fueled by desperate predicament of women whom face economical constraints inside their countries. Generally, the few can easily get a well-educated and experienced person in a foreign country and also have him get married to the woman who might be willing to head out abroad for a better your life.

Although how a great number of foreign brides really have the abilities or capability to suit very well with her new hubby? www.thebestmailorderbride.com Even though such females are looking for husbands, it is not out of the ordinary to find all of them flocking to websites that promise to help them locate men intended for marriage negotiation.

These types of sites do not offer single women of all ages the opportunity to really seek out new husbands. Rather, these sites give these females with the means to meet and interact with males who have an interest in marriage via various parts worldwide.

Consequently , these kinds of women don’t need to know very much about international cultures just before they can try engaged into a man from one of these countries. The only consideration that may impact them to determine marriage which has a person who lives in the country they may be looking for partners in may be the presence of any compatible way of living. However , women looking for husbands can expect to look for many great qualities in their partners from outside of the country.

Most of these partnerships end up in divorce. However , there are many women exactly who find themselves staying together for a long time. This is especially true in cases where the men from these types of countries to supply them with a stable financial support and superb careers.

There are a lot of girls that find themselves staying recruited by mail order brides. Whilst this is a choice for some, a lot of the women who end up marrying overseas brides end up doing this as a result of some type of a economic crisis. This is because when women of all ages look for partners, they initially search for men who promote similar interests as them.

In case of international brides, the matter is quite several. These females usually have incredibly unique and exciting personalities. The fact that their partners are not familiar with this sort of features of overseas women sometimes potential customers them to search for marriage negotiation options to look for suitable guys.

There are a great number of websites that offer to help these women get suitable men in foreign brides. They are generally able to get these women placed in varied men’s assistance agencies from a of the international locations the bride-to-be is right from. The only major barrier these females face is the difficulty of effective their husbands to take their particular brides returning to their own countries.

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FP独立開業

MailOrder Wedding brides Via Most of asia

When folks look for a good Hard anodized cookware star of the wedding, many find that Hard anodized cookware females are usually hard to find because email purchase wedding brides. It truly is correct that your demand for Oriental ladies is normally expanding, but the demand for Oriental males might be improving as well.

The separation and divorce charge inside Indonesia will be growing and a lot more German girls that are looking to have married and find some sort of A language like german spouse as compared to adult males. The particular economic crisis throughout The european union has made this even more difficult for everybody European males to look for Asian brides because Oriental women are actually more challenging to get within The european countries within China and even Asia.

Because the Oriental are less widespread in america as compared to they may be within the additional Asian countries, they may not be as simple to look for for instance a want. To look for a good Oriental ship buy bride from China, you need to take a look at China themselves. That means planning to Tiongkok itself or perhaps transmitting an individual at this time there to satisfy the girls that you can get.

The majority of the snail mail order brides to be supply by china manufacturer range from locations regarding Hangzhou and Shanghai. Sometimes Biggest cities in Colombia of those see a Chinese urban centers of Guangzhou plus Shenzhen.

Overseas mail purchase wedding brides can also get Asians in the Korea or even Southern region Korea. The particular Korea is very favored by the Us men who have been in order to Korea together with established right now there. Both these parts have significant Korean communities, nevertheless for the reason that Koreans are certainly more elegant and are generally a reduced amount prone to are now living countryside places, they may be a reduced amount popular with some of those looking for the Asian wife.

In many from the nations in Most of asia that are most popular having United states adult males trying to find Oriental girls, the mail order brides to be really are through the cities, not really the rural places. For instance , its better to locate Hard anodized cookware females via Singapore, as compared to you should discover Cookware women coming from regions of Burma. Needless to say there are a lot regarding additional places the location where the demand for snail mail order brides by Asia is high, although there are much less of them.

Another reason that will all mail purchase brides through Asian countries are less widespread in the us is the fact that how old they are is not that typical. The vast majority of submit buy wedding brides right from Asian countries can be between twenty-five in addition to thirty-five. Typically the Cookware females in the United States do not are usually as classic.

Often the women of all ages of which enter the Usa using Western european husbands to escape low income, in order to join typically the armed forces, are only of sixteen yrs . old, and then for the best portion Asian females usually are very much young. You can find exceptions, nevertheless , as well as a few extremely prosperous Oriental girls coming from Hong Kong currently have gotten to the age of fourty, however is not numerous.

The particular Chinese ship order birdes-to-be are generally inside their thirties together with forties, as well as the guys which might be in fact investing in these brides have the option associated with paying for their own vacation that is certainly definitely not normally an issue. In case an individual decides to pay extra for the particular honeymoon vacation, this usually depends on the associated with typically the honeymoon, or the wide variety of evenings that particular needs the particular honeymoon in order to final.

A lot of the Cookware deliver buy wedding brides which have been ready to have sex with international guys, can notify typically the Hard anodized cookware adult men actually from Hong Kong or Taiwan, but are really via Vietnam or perhaps Malaysia. Generally this really is simply for demonstrate, and if the particular dude takes you a chance to look into the woman prior to they chooses if in order to marry the girl, he will probably gain knowledge of that will nancy not just attractive, nonetheless possesses amazing manners.

Any difficulty . the mail buy brides out of Asia are much more challenging to look for in america, compared to the ship buy brides to be from the other Asian countries. But it really is possible to look for certain definitely fabulous Oriental birdes-to-be inside Japan, and can be extremely pleasant.

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FP独立開業

Tips on how to Compare Mail Purchase Star of the wedding Prices

Deliver purchase brides are some of the most popular wedding brides for that occasion and also this is really due to highest quality in addition to acceptable rates of them companies. You may not discover some other support which could provide you with exactly what a snail mail purchase new bride can, with no additional prices involving living in foreign countries and health-related expenditures. Although there dating-asian-women.org couple of which get these types of product, using the high expense, they are not popular. Which means this article could identify some recommendations to help you get a all mail order bride in addition to satisfy ideal of any international marital relationship without paying extraordinary cash.

Once you discover methods to browse through the web together with do a comparison of rates, you can have an appropriate solution in the appropriate price tag. Naturally , it is crucial which you choose the right a single since you is going to be paying for the girl together, it is therefore crucial you find the right one. The agencies that you simply select will need to provide you offerings that may fulfill your requirements you want inside a perfect diamond necklace with the bride-to-be as well as the bridegroom.

Ensure that you are going to pay out a simlar amount as if you are likely to get married near your vicinity where you want to get your own overseas marital relationship, because that is the the very first thing for every service to work effectively. So be sure that your current agency supplies the very same rates because among the nation you will get married to within.

Guarantee that the mail buy new bride The japanese has a authentic place at the same time. It is also important that you know the dimensions of the correct of your organization which is to be your wedding area. It may well end up being fine in the event the marital relationship company provides you with a brief host to your time here while you go through the process to getting documented along.

You should understand that in the event that you where in order to marry in your house nation, you may have to cope with troubles associated with legalities. So it will be advised which you be agreeable with an agency which is nearby the place where you are planning to include your foreignmarriage. While you usually are wedded in a foreign nation, it can be nonetheless essential that you delight in the overseas marital life.

The particular overseas service involving postal mail purchase star of the event Asia can also be offered to wedding brides who are thinking about their own dream to have a very international relationship. Even though some companies supply lot of products, you need to always be choosy. Typically the businesses that offer this kind of service manage to conform in line with the needs with the wedding brides.

Some of the ship order bride firms will supply you with offerings to your bridesmaid and groomsmen as well. This is certainly helpful understand what have enough individuals to choose you after you receive committed offshore.

This is why, your selection depends on the amount of money you will be able to devote and what solutions you are interested in in a foreign marriage. It is vital that you decide on the one that offers you the proper solutions at the correct selling price. You must choose a ship buy bride organization that is definitely well-established and possesses confirmed its stability and even standing.

カテゴリー
FP独立開業

Is it possible to Buy a Philippine Better half Through a Marriage Firm?

Is it possible to discover a better specialize in a marriage firm than buying a Filipina? Is the marital relationship you want to assembled which has a Chinese language woman feasible in case you would not discover the desired daughter with the help of a marriage firm? These types of inquiries may appear perplexing for many who how to start the answers. Actually, it is not necessarily an improbable circumstance.

It really is authentic that Filipina girls had been over-looked in terms of finding Offshore birdes-to-be. Women from all other Asian countries happen to be considered to be more amazing compared to the kinds right from Asia. This is why they can be thought to be more “ideal” meant for Offshore guys. Couples who may have the eye established in getting married to a Filipina are generally limited to accomplishing this through marital life businesses.

Also this is reasons why the number of Asian brides who are able to come via asain -mail order wedding brides is limited. Though this is a good issue for those who really want to find Philippine partner, it is not necessarily smart to disregard the possibility of locating a great partner through marital life firms. A relationship firm, although they can be helpful, does not make sure almost all Hard anodized cookware brides will be best. That’s the reason why a large number of Oriental brides to be still start on to marry through marriage agencies. Therefore , when you buy a Philippine wife right from a relationship company, you can find even now a little probability that you end up receiving a Filipina woman.

Although the majority of Cookware women are thought to get higher than all their Oriental furnishings, the majority of them are definitely not blessed with all the same facial features his or her alternatives. As the majority of these women of all ages are not blessed with in a natural way gorgeous features, it is common that they can be unable to mimic their very own Hard anodized cookware equivalent. Couples ought to realize that almost all of the Filipinas who all can be obtained through relationship businesses might not have the facial features that might let them have the optical illusion to be Oriental.

Couples should likewise understand that Filipinas have a problem maintaining long-term interactions. So , it is necessary to allow them to understand the fact that the dissimilarities among Filipinas and Hard anodized cookware wedding brides are quite huge. Lovers should likewise do not forget that a relationship company does not guarantee that they are going to get a Filipina partner.

In the past, a Filipina who got married by using a marital relationship organization could possibly own occupied a different sort of nation ahead of marriage. These Filipinas were formerly coming from South America. The true reason for that is that in South America, a Filipina would definitely usually focus back to her family house following marital relationship. Whenever she’s virtually any children, these kinds of kids will Click the Following Webpage therefore become brought up by their grandmums.

Lots of people think that the tradition and traditions of your Filipina do not allow her to acquire kids. However , this may not be true. Actually sometimes, a Filipina would be able to contain children. Yet , this can depend on the woman very little.

A marriage company is normally not really an appropriate destination to find a Chinese or Philippine bride. As long as an individual is willing to have a risk trying to put his marriage together with an Oriental female, they can discover a Filipina who would have the ability to healthy the form. Each person has the capacity to discover a Filipina who’s happy to experience them in a classical method, they might consider the marriage organization like a enormous mistake.

カテゴリー
FP知識

FPが知っておくべき医療知識・医療費とは?

FPとして顧客にアドバイスを行う上で、医療費と医療保険の知識は重要な要素です。今回はFPに必要な医療知識や医療保険との関連性を見ていきます。
[chat face=”woman1″ name=”クライアント” align=”left” border=”gray” bg=”none” style=””] 「医療保険に入った方がいいの?」

「老後の医療費が心配だわ」[/chat]

クライアントからこのような相談を受けるケースがあると思います。
医療費や医療保険についてクライアントに有益な情報が提供できると信頼関係が構築しやすいですね。
まず基礎知識として生涯に掛かる医療費と、自己負担額を見ていきましょう。「生」・「病」・「老」・「死」は誰もが通る道であり、FPとしてライフプランニングする上で重要な課題となってきます。
次に日本人がかかる確率の高い病気と、その医療費を知っておきましょう。
更にFPとして知っておきたい公的制度について解説していきます。[box05 title=”本記事の内容”]・貯蓄が100万円あれば医療費は必要ない!?

・日本人がかかる確率の高い病気について

・出産前に医療保険を解約させるには細心の注意を[/box05]

医療保険の重要性は高くない

結論から申し上げますと、医療保険は貯蓄が一定額あれば不要だと思います。理由は既にみなさんは最強の保険に入っているからです。お客さんにこのような話をすると私は「最強の保険」に入った覚えはありませんと言われます。みなさん自覚がないのも仕方ありません。保険料は給与と一緒に天引きされているから自分で加入している感覚がないのです。
健康保険には高額療養費制度というものがあります。医療費が月に100万円かかったとしても、一般的な収入の世帯(月収28万~50万円)であれば、最終的な自己負担額は月9万円程度で済みます。たとえ100万円以上かかったとしても月の上限が決められているため、医療保険の重要性は高くありません。筆者としては貯金が100万円あれば医療保険は不要と考えています。また仮に医療保険に加入していたとしても入院費用や手術費で支払われる保険金の額はあまり大きな金額ではありません。ただそこまで話をしても医療保険に入りたいという方はいるので、その場合は最低限の保障にとどめた方が良いとアドバイスすると良いと思います。

私の父親が胃がんになった事例

私の実家の例で申し上げますと2013年に父親が胃がんにかかりました。医療保険に加入していましたが医療保険に加入していたおかげでいくらもらう事が出来たと思いますか?結果から言うと6万円です。父親は、えっこれだけ!?という気持ちだったようです。ただ保険会社は悪くないのです。契約通り支払いを行っただけですから。なぜこうなったのか解説すると父親が入院していた期間は7日、そして手術を行いました。医療保険の契約内容が入院日額5,000円、手術1回につき5万円です。しかも入院には免責期間があり4日目から支払い対象でした。よって支払い対象は入院4日×5000円+手術5万円の計6万円となってしまうのです。父親は2019年現在ガンも完治して元気ですが、保険はとりあえず入っておけば安心というのは間違いだったと反省しています。このような事態にならないために医療保険の加入はしっかり考える必要があります。

生涯に掛かる医療費と高齢者の自己負担割合

次に生涯の医療費についてみていきましょう。日本人が生涯に掛かる医療費は、男女平均で約2,500万円(自己負担でなく医療費の総額)と言われています。(厚生労働省,生涯医療費(男女計)(2010年度推計))このうち約6割が65才以上に掛かる費用というデータもあります。
やはり高齢になると医療費負担は増えます。女性の方が平均寿命は87.26歳です。男性の平均寿命が81.09歳なので女性の方が男性より6.17歳程長く生きることになります。

引用:厚生労働省平成 29 年簡易生命表

そして高齢者の医療費の自己負担割合は、65歳では3割、70歳以上は2割、75歳以上は1割となっています。ただし収入が現役並み所得者の場合(世帯年収520万円以上、単身では383万円以上)は70歳以上でも3割負担となります。
そして未就学児は2割、小学校入学から69歳までは3割となります。

引用:厚生労働省、医療費の自己負担割合について

生涯に掛かる医療費は、男女平均で約2,500万円ですが、自己負担割合を平均して計算すると、一生に掛かる平均自己負担額は約500万円前後となります。
顧客の年齢やライフステージに応じた医療費を試算し、有益な情報を提供しましょう。

日本人がかかる確率の高い病気

日本人がかかる三大疾病と言えば、がん・心疾患・脳血管疾患です。
死因第一位のがんは約28%、第二位の心疾患は約 15%、脳血管疾患は約8%と三大疾病だけで半数以上の人が死に至っています。
医療技術の進歩により、完治することも多くなりましたが経済的負担が気になる方は数多いです。
がんは抗がん剤や化学療法・放射線治療により、70万~100万円以上の医療費がかかります。急性心筋梗塞(心疾患)は約180万円、脳梗塞(脳血管疾患)は約150万円と言われています。
カテーテル手術やステント治療など、高度な医療技術と高額な医療機器を要するためどうしても医療費が高くなってしまうのです。
ただ一部の治療法を除けば、高額療養費制度で月に一定額の自己負担で抑えられます。高額療養費の金額の算定は以下の計算表に当てはめてみましょう。

引用:厚生労働省、高額療養費制度について

年収が約370万円~770万円の方であれば1カ月の医療費の上限は9万円弱で済みますね。一般的には完治しても通院と服薬をする事が多く、予後が良くない場合は収入が減少してしまうケースがよく見られます。

出産費用について

病気ではありませんが、ライフステージによって発生する費用です。出産の平均費用は病院の場合約50万円です。正常分娩の場合は医療保険は適用されませんが、異常分娩(帝王切開や吸引分娩など)の場合は入院費・手術代などが3割負担となります。帝王切開などの異常分娩の場合は保険金がおりることがあります。
顧客に出産の予定がある場合に医療保険を解約させてしまうと、帝王切開などで給付の対象になる可能性が有るので慎重にアドバイスする必要があります。

医療費の公的制度

その他に医療関連の公的制度としては傷病手当金・出産育児一時金・出産手当金があります。順番に見ていきましょう。

傷病手当金

業務上の病気やケガなどにより、働けなくなった場合に給料のおよそ3分の2が支払われる制度です。1年6か月間受け取る事が出来ます。

出産育児一時金

出産の際に、子供一人当たり42万円が支給される制度です。健康保険によっては付加給付が出る場合もあるようです。

出産手当金

「産休手当」とも呼ばれています。社会保険に加入している女性が産休で働けない期間を、経済的にサポートしてくれる制度です。出産日の42日前から出産の翌日56日の範囲までに、給与が振り込まれなかった女性を対象として支給されます。なお国民健康保険にはこの制度はありません。

さいごに

FPのみなさんは医療保険に入りたいという相談を今後も受けると思います。
しかし、国民皆保険制度である日本では公的な医療制度が充実していますので、まずは公的制度をベースに医療費を試算してアドバイスをしましょう。もちろん貯蓄が少なく将来が心配な方は医療保険に入った方が良いケースもあるので、それぞれのクライアントに合う保険のアドバイスをしていきましょう。子供を希望する若い世代に出産に掛かる費用や公的制度についての情報提供も行うとより喜ばれます。
FPとして医療保険に関するアドバイスの参考にして頂ければ幸いです。

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FP独立開業

Is Video game ROMs Totally free?

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To tell the truth, these kind of emulator will not work on almost all devices. Unique types of products which have been antagónico with simulator, making it complex for folks to savor a common online games. There are a few suppliers who also made numerous versions of their items that happen to be compatible with game emulators in order to https://custom-roms.com/roms/amstrad-cpc/cpc-mag-3-1989-dsk-fra produce these devices less expensive.

Aside from all their affordable prices, these kinds of equipment are compatible with the original variants on the game titles and are also capable to manage video games in penetration of00. You will probably get pleasure from the more quickly playing situations as well as better images and other rewards.

You may still find other sorts of video games equipment which you can use to help you cut costs in ordering the actual video game. One of these fashion accessories is definitely a great FM transmission device, which usually permits users to learn their exclusive video games in FM formatting. They are really utilized to mail FM signals in the physique belonging to the unit exactly where they could be played back and recorded.

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Ways to Search for the Best Filipino Deliver Buy Birdes-to-be On line

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