Sha says that it is difficult to define a standard by which to determine what kinds of insurance one should invest in. Besides premium costs, another consideration is the value of the specific item to the individual.
沙克興說，倒底該投保哪些產險實在難有一個固定標準，除了衡量保費多寡是否可負擔外，這項財產對個人的重要性也是一個衡量的指標。