For people in their 30s and 50s, what insurance is necessary to buy?

1. Accident insurance

The premium is affordable, just need, don't think about it, it's a must-have.

2. Critical illness insurance

It is recommended to buy lifelong critical illness insurance, and the sooner you buy it, the better, because the younger you are, the cheaper the premium, and the later you apply for insurance, the more likely you are to face a minor physical problem that requires hospitalization or minor surgery, which will lead to the dilemma of the insurance company refusing to insure, increasing the premium or limiting the protection liability when you want to apply for insurance in the future.

If you have a good budget, you can also consider a combination of whole life critical illness insurance and term critical illness insurance to reduce your premium expenses and increase the period sum insured.

3. Term life insurance

It is highly recommended to buy, in this age of the greatest responsibility and pressure, in case of unfortunate death, whether it is a painful blow to parents, wife and children, it is very necessary to allocate a high amount of life insurance to resist the risk of early death.

4. Medical insurance

At present, there are many cost-effective mid-to-high-end medical insurance on the market, which can cover millions of dollars for a few hundred yuan. Therefore, as an effective supplement to medical insurance, medical insurance at this stage is also very necessary.

Further reading:"The correct posture for insurance will teach you how to apply for insurance in a few minutes! 》

For people aged 30 to 50, the pension in social security must be bought, which is much better than commercial insurance, because people in this age group also need to buy accident insurance, additional hospitalization medical insurance insurance, supplementary medical insurance, critical illness insurance, and also need to insure their children with school insurance, if there is a vehicle, you also need to buy vehicle insurance.

There are fewer and fewer people who buy social security now, because it has a lot of things that can't be reported, and if you buy it for yourself, there is no need for major medical treatment! Not cost-effective! However, you can buy it for your children or grandchildren.

If you have your own words, it is recommended to buy an accident insurance, or if you have sufficient funds, you can buy dividend insurance as a pension! Buy it for your child as a future education fund and wedding money.

Accident (short-term, long-term), million medical. 45 or more critical illness, 45 or more cancer prevention, plus annuity.

50-year-olds are more suitable to buyMedical, accident and cancer insurance

1. Medical insurance:Older people are prone to illness, and medical insurance can cover the cost of seeing a doctor**.

The importance of medical insurance for the elderly is still very strong, and as people get older, their health deteriorates. However, medical insurance also has requirements for the age of the elderly, if the elderly are still in good health, and the age is not yet over 65 years old, you can consider buying some better protection million medical insurance.

If the elderly are more than 65 years old, then the medical insurance that can be purchased will be reduced, and the coverage content will be reduced accordingly, which is not very cost-effective, so it is not recommended for families with average economic conditions to buy medical insurance.

2. Accident insurance:The elderly have limited mobility and are prone to accidents, so accident insurance is a must.

The physical fitness of the elderly has deteriorated, and it is easy to fall and be injured when they are bumped and bumped, and traffic accidents may also occur because of the slow reaction of the elderly. Now that basically all insurance companies have launched some accident insurance, how to choose so many elderly people? You can refer to this article:

"In 2021, the most worthwhile accident insurance for the elderly is these".

3. Cancer Insurance:The older you are, the higher the cancer rate, and at the age of 50, you can consider cancer insurance with a low insurance threshold and relaxed health notice.

It is relatively difficult for the elderly to buy critical illness insurance, and even if they find a critical illness insurance that the elderly can buy, the premium is on the high side, and the cost performance is not high. At this time, we can buy a cancer insurance for the elderly that has relatively low age restrictions and physical conditions. The elderly are at risk of cancer in many cases, and the cost of cancer is also a relatively large amount, if you unfortunately have cancer, the pressure caused by the cost of cancer will also be temporarily alleviated because the elderly can get a compensation for cancer insurance.

[Written at the end].

I am [Xueba Says Insurance], focusing on objective, professional and neutral insurance evaluation;

I will give you the most professional advice with years of experience in configuring insurance for 10w+ families.

Critical illness pension insurance, 100 years of life health can be seen.

Critical illness insurance, hospitalization medical reimbursement and subsidies, accident insurance.

Hello! People over the age of 50 should consider pure protection products when buying insurance, so that they can get better protection with affordable ** and avoid the phenomenon of inverted premiums. In general, accident insurance and health insurance are both good options. Here's how to get started:

The physical function of the elderly is slowly declining, the risk of accidents that may be encountered has increased significantly, and the risk tolerance is also weakened. Therefore, it is recommended that people over the age of 50 give priority to accident insurance, and the "Worry Free" Comprehensive Accident Insurance Platinum Plan (18-74 years old) is a good choice. In addition, after the age of 50, the bone begins to become loose, and it is easy to fracture once you fall, so accidental fracture insurance is also a type of insurance that you need to consider, such as Taikang "Old Fortune" accidental fracture insurance.

The ability of the elderly to resist disease is significantly weakened, and the possibility of disease increases. Therefore, it is recommended that the elderly over 50 years old choose a suitable health insurance after doing a good job of accident protection, preferably to cover common diseases of the elderly, such as malignant tumors, sequelae of stroke, paralysis, etc.

Extended reading: [Insurance] How to buy, which one is better, teach you to avoid these insurance"pits"

For people over 50 years old, you can consider critical illness insurance, medical insurance and accident insurance when buying insurance, and if you cannot buy critical illness insurance due to physical reasons, or if it is not cost-effective to buy critical illness insurance, you can consider replacing critical illness insurance with cancer prevention insurance.

A comparison table of 136 popular critical illness insurances in China.

First of all, let's talk about cancer insurance, cancer insurance simply means that if the insured person is diagnosed with cancer and meets the claim criteria, you can get the corresponding compensation.

For some people in their 50s who are not in good health, such as suffering from some common diseases, such as high blood pressure, diabetes, heart disease, etc., they can consider taking out cancer insurance with more relaxed health notices, and the success rate is higher.

Regarding cancer insurance, I have done a detailed analysis before, and friends who want to know more can read the following article:

What is cancer insurance, how to buy it, which one is good, comprehensive analysis, comparative evaluation.

Critical illness insurance, medical insurance and accident insurance, these insurances can provide the insured with comprehensive personal protection with non-rupulous beard, and can be configured if conditions permit for people over 50 years old.

For example, if the insured is sick, the critical illness insurance can compensate for an insurance payment, which can not only pay for the cost of illness, but also make up for the loss of income incurred by the insured during the period.

Finally, the insurance applicable to different age groups is different, and the specific insurance plan for people over 50 years old can be found here

How to buy insurance for different age groups? Everyone should have their own plan.

Hello! When people around the age of 50 buy insurance, they must first improve social security, and then consider accident insurance, health insurance, and financial insurance. The specific plan is as follows:

People around the age of 20 are slowly declining in their physical functions, and the risk risk they may encounter is significantly increasing, and their risk tolerance is also weakening. Therefore, it is recommended that people around the age of 50 give priority to accident insurance, such as the "Worry-Free" Comprehensive Accident Insurance Platinum Plan (18-74 years old).

People around the age of two years have a significantly weaker ability to resist disease, and the likelihood of disease increases. Therefore, people around the age of 50 are recommended to choose a suitable health insurance after doing a good job of accident protection, preferably to cover common diseases of the elderly, such as malignant tumors, post-stroke post-aqueous syndrome, paralysis, etc., just like Fang Global Health Care Lifetime Cancer Prevention Insurance.

People around the age of people can no longer buy pension insurance, and if you want to accumulate pension funds for your later life, it is recommended to buy a suitable investment and financial insurance. At present, the investment and wealth management insurance on the market mainly includes participating insurance, universal insurance, and investment-linked insurance. For people around the age of 50 who have a stable income** and do not have a large-scale consumption plan in the short term, buying participating insurance is a more ideal investment, such as caring for e-health insurance plan (participating type).

People around the age of 50 can buy several of the insurance types mentioned above, and there are many insurance products that are suitable for consumers around the age of 50, and you can get at least 15% discount when you apply here.

Extended reading: [Insurance] How to buy, which one is better, teach you to avoid these insurance"pits"

When you just stepped into the society, you don't have much savings in hand, it is recommended to buy consumer-type accident insurance, which is one or two hundred yuan a year, which can basically compensate for the cost of accidents, and after working for 4 or 5 years, you can consider continuing to pay a certain amount of critical illness medical insurance every year on the original basis, of course, according to each person's own situation, you can make premium adjustments, and now a major illness, at least 200,000 yuan to get the initial **, you can do a little more planning when you are young, If you think you pay too much every year, you can also buy consumer-based critical illness insurance, of course, consumer-based critical illness insurance is still more advantageous when you are young, but once you reach the age of 50, consumer-based critical illness insurance is very expensive, it is best to properly adjust your critical illness insurance structure when you are young, and finally it is financial insurance. At some point in the future, when money is needed, there can be a fixed amount of money that can be used for circulation.

In general, it can be configured in the following order:

Critical illness insurance. Nowadays, the incidence of critical illness is getting higher and higher, and it is also showing a trend of getting younger and younger, although many critical illnesses are not incurable diseases at the current medical level, but they often need to bear expensive medical expenses. If you have critical illness insurance, it can greatly reduce the financial burden of the family.

For the setting of the amount of critical illness insurance, according to the current ** cost, it is recommended to configure it at more than 300,000, and if the family conditions allow, it can be configured to more than 500,000, so as to achieve the purpose of resisting risks.

Accident insurance. Accidents are everywhere, people in the age group of 30 to 50 years old are running around for work all year round, facing greater accident risks, and once an accident occurs, it will cause a heavy blow to the family.

Medical insurance. Many people feel that they have social security, there is no need to waste money to buy commercial medical insurance, although the scope of social security is relatively extensive, but social security is the foundation, there are still many restrictions, should be on the basis of social security and then improve commercial medical insurance, now many medical insurance whether it is the proportion of compensation or the scope of reimbursement have broken through the limits of social security, the premium is not very expensive, or more cost-effective, can be used to make up for the economic losses caused by daily medical treatment.

Life. 30-50 years old people in this age group are mostly the breadwinners of the family, it is also necessary to buy a life insurance for themselves, life insurance mainly provides death protection, reflecting love and responsibility, when the family economic pillar has a risk, children's education problems, parents' pension, car loan and mortgage repayment and so on will face great problems, buy life insurance, can not transfer this risk to the family, love without debt.

Pension insurance. With the aging of China's modern society, pension is also facing a severe test, relying only on social security is often not enough, want to quality pension, but also need the protection of commercial pension insurance, so after improving the basic security, in the case of sufficient premium budget, you can buy a commercial pension insurance.

Insurance planning is not achieved overnight, you need to adjust and improve according to your actual situation, generally we recommend setting the premium to 10%-20% of the annual income of the individual and family, and the sum insured set to 10-20 times the annual income of the individual and family.

After the age of 50, people reach middle age, and the most important thing is health protection, so it is recommended to give priority to purchasing critical illness insurance to prevent yourself from suffering from a critical illness and affecting your family, so as to protect yourself and your family. Then there is retirement insurance, you can get money to retire every year until you are 65 years old, and there is still a residual value left for future generations when you return to old age in 100 years.

Which kind of insurance is most suitable for 30 to 40 years old, mainly for fear of critical illness.