What are the types of business insurance? Which is better to buy at 32 years old?

Commercial insurance is mainly divided into health and medical insurance, pension supplementary insurance, financial dividend insurance, education insurance, and accident insurance (short-term).

Depending on your age, you are in your best health, and your premiums are relatively low.

It is recommended that you first do a health insurance (mainly for serious illness, social security has an upper limit), be prepared, and finally get the principal back, which is equivalent to sacrificing interest in exchange for a health insurance.

If there is social security, medical treatment is not recommended, because it is generally reimbursed after the social security is completed, and now the body is in a good period, and medical care is basically not cost-effective.

If you have financial ability, it is recommended to add a pension supplement, so that the pension can better ensure the quality of life of the elderly, and you don't have to look at other people's faces.

Financial dividends are not recommended, because the insurance company's dividend insurance is uncertain, strictly calculated is not as stable as the bank's 5-year income, but there is an advantage that you can force you to save, the money you should save can be saved, and you will not be excited to consume, if you are optimistic about the future dividends of the insurance company, you can consider it.

Hello! Commercial insurance mainly includes the following aspects: property insurance, life insurance, life insurance, personal accident insurance, health insurance, medical insurance and so on!

As for what insurance you need to buy according to your actual situation, for individuals, it is recommended that you first improve the social security of your household registration, and then consider the corresponding commercial insurance!

The best insurance strategy for individual commercial insurance is to give priority to improving accident insurance, health insurance and other protection insurance, and then choose appropriate pension insurance and financial insurance as appropriate supplements.

As for how to buy commercial insurance, you may wish to refer to which commercial insurance is good, I hope it will help you!

Xueba talks about insurance, focusing on insurance evaluation! What kind of critical illness insurance is suitable for 32-year-olds? Just compare it and find out!

Here is a freshly released comparison table of popular domestic critical illness insurance, poke the blue word to view:Designed for 32 years old! Comparison Table of 136 Popular Critical Illness Insurance in China

32-year-old people have become the main pillar of the family, bearing the living expenses of the whole family, in addition to repaying the car loan and housing loan, the work pressure is also very high, any risk may lead to the whole family into crisis, so for people of this age, if you want to share the pressure on yourself, buying insurance is a good choice.

So what kind of insurance is suitable for people of this age? The general configuration of these kinds is about the same:Critical illness insurance + medical insurance + accident insurance + term life insurance

1.Critical illness insurance

At present, the occurrence of the disease is gradually getting younger, and there are not a few people who suffer from serious illness at the age of 32, and in case of unfortunate serious illness, it is equivalent to "the risk of the sky falling". Many serious illnesses are a protracted battle, and there are also expenses in the later stage and lost work due to illness that must be considered. It has to be said that critical illness insurance must be configured.

2.Medical insurance

3.Accident insurance

Accidents and tomorrow which will come first, you can never **, although this is a sentence that is about to be said rotten, but the truth is correct. Accident insurance is one of the essential types of insurance for men, women and children, not to mention that accident insurance is very cheap. At this age, once an accident happens, who will feed a large family?

Therefore, it is important to have an accident insurance in place.

4.Term life insurance

At this age, while supporting your parents, you also have to raise children, pay off your car loan and housing loan, and after buying health insurance, you also need a death benefit. In the event of unfortunate death, it is a heavy blow to both parents and wife and children, and the role of life insurance is to leave a protection for your family when you are unable to fulfill your responsibilities.

Generally speaking, 32-year-olds are the pillars of the family, supporting their parents while raising children, car loans and mortgages to repay, and the pressure at work is not trivial, no matter what kind of risk occurs, it is a fatal blow to a family, so for people of this age, it is urgent to buy insurance to transfer risks.

So how do people at this age configure insurance for themselves? The recommendations are as follows:Critical illness insurance + medical insurance + accident insurance + term life insurance

1.Critical illness insurance

2.Medical insurance

3.Accident insurance

Which will come first, the accident or tomorrow, you can never **, although this is a sentence that is about to be said rotten, but we cannot deny its truth. Accident insurance is a type of insurance that everyone should buy, and it is also very cheap. In the event of an accident at this age, it is impossible to continue the responsibility of raising the family.

This shows the importance of having an accident insurance policy.

4.Term life insurance

At this age, while supporting your parents, you also have to raise children, pay off car loans, and it is not enough to buy health insurance, but also death protection. In the event of unfortunate death, it is a heavy blow to both parents and wife and children, and buying life insurance can leave a minimum of financial compensation and give the family a guarantee when they can no longer continue to fulfill their responsibilities.

Hello, to buy insurance, it is recommended that you first consider the risk of accidental injury and medical health, you can choose some term life insurance protection, add necessary critical illness items, and then add some hospitalization medical insurance, if you still want to provide for the elderly, you can choose these term life insurance, choose some insurance with savings and dividend functions, so that you can. You can combine your actual situation and go to some professional consultation channels to compare consultation appointment options with specific insurance types.

Hello! Personal accident insurance can be purchased. Suggestions are for reference.

Accidents and critical illnesses are everyone's first choice These two risks have the lowest probability of occurring, but the risk is the largest, and now the insurance costs less, followed by the pension Pension insurance is a long-term financial plan.

If you buy commercial insurance at the age of 32, you also need to choose commercial insurance according to your actual situation and premium budget, and it is recommended to consider the following types of insurance:

1.Critical illness insurance, can prevent sudden serious illness, high medical expenses resulting in poverty due to illness, as well as the economic loss caused by the inability to work during illness, for the benefit insurance, as long as the claim conditions are met, you can pay the insurance money in a lump sum, but 32 years old may have suffered from some diseases, so it depends on whether you can be informed by health;

2.Million medical insurance, which can protect hospitalization medical expenses caused by accidents or diseases, special outpatient medical expenses, etc., with low premiums and high insurance amounts, is generally the actual medical expenses incurred by the insured, with deductibles and reimbursement ratio restrictions, and also needs to run health notices;

3.Term life insurance, mainly to the insured death or total disability as a condition for the payment of insurance benefits, 32-year-old people most of them have families, term life insurance to a certain extent is if they unfortunately die, you can also leave a sum of money to the family;

4.Accident insurance can mainly be used to deal with external, sudden, unintentional, non-disease accidents caused by insured accidents, and some accident insurance can also protect sudden death.

Commercial pension insurance, in a nutshell, 25-year-old example:

1. Choose to invest in the pension insurance with rolling wealth management dividends, and the long-term considerable rate of return is considerable!

2. Suppose you apply for a pension insurance with financial dividends, the amount of insurance is 50,000 yuan, and the guarantee is lifelong, and it is saved for 15 years, with a total of 80,000 yuan! 8% of the sum insured every 3 years, for life! Then you have 350,000 yuan in your account when you are 59 years old, 20,000 yuan a year for a pension of 20,000 yuan at the age of 60, a total of 400,000 yuan in 20 years, 170,000 yuan in the account at the age of 80, and 550,000 yuan in the account at the age of 100!

3. Additional regular repayment critical illness insurance and comprehensive accidental hospitalization medical insurance! Reimbursement for all accidental hospitalizations and medical malpractice is included! There is no limit to the number of reimbursements.

Example of insurance for a twenty-five-year-old woman (suitable for white-collar housewives too):

Women's Critical Illness Maternity Protection Plan, lifelong protection, insurance liability: death, total disability, return of survival money, annual dividend, 15 major diseases, women's diseases, maternal and child protection illness insurance. The insured amount is 180,000 yuan, the payment is 20 years, a total of 210,000 yuan is saved, the insurance company rewards 1,000 yuan when giving birth, 10,000 eight cash is received on the 9th and 18th contract anniversaries, and there are 580,000 yuan in the account when you are 88 years old, and 820,000 yuan in the account when you are 100 years old.

It can be attached to comprehensive accidental hospitalization medical insurance, including all accidental hospitalization medical treatment, etc., there is no limit on the number of reimbursements, and the waiting period for hospitalization is only 30 days!

Brother Bao said insurance, focus on insurance evaluation! How to choose the right critical illness insurance for you at the age of 32? Shopping around is the last word! First of all, I would like to present to you a comparison table of popular critical illness insurance in China: an inventory of popular critical illness insurance companies that are "worth buying" from the top ten insurance companies!

32-year-old people are usually the backbone of the family, while supporting the family, but also to repay the car loan, and the pressure of work can not be underestimated, any risk may lead to the whole family into a crisis, so for people of this age, the top priority is to buy insurance, to transfer the risk.

So what kind of insurance is better for people of this age? Generally, the configuration of these types is almost the same: critical illness insurance + medical insurance + accident insurance + term life insurance.

1.Critical illness insurance

Now that the disease has tended to be younger, 32-year-olds should prevent the risk of serious illness, and serious illness at this age is like the sky is falling for the whole family. Many serious illnesses are a protracted battle, and the later expenses and lost work due to illness are also indispensable. So, hurry up and configure yourself with a critical illness insurance protection.

2.Medical insurance

People at this age, in addition to the prevention of serious illness, there are also minor illnesses and disasters that may occur at any time in life also need to be paid attention to. Buying a million medical insurance, tens of premiums a month, and a few hundred yuan a year, can easily leverage millions of protections and solve the part that cannot be reimbursed by medical insurance. How to buy a better million medical insurance for less?

3.Accident insurance

We never guess who will come first tomorrow or the accident, and although this is a sentence that is about to be rotten, the truth is true. Accident insurance is a type of insurance suitable for men, women and children, and it is very affordable and affordable. Once an accident happens at this age, who will bear the responsibility of raising a family?

Therefore, accident insurance must be configured.

4.Term life insurance

At this age, you not only have to honor your parents, but also raise your children, and have car loans to repay, in addition to health protection, death protection is also very important. In the unfortunate event of death, it will be a heavy blow to both parents and wife and children, and life insurance can partially assume your responsibility for taking care of your family, leaving a minimum of financial compensation to protect your family's life.