What insurance is appropriate for a family and what insurance should a family buy

1.Step 1: Critical illness protection For a family, the priority should be the critical illness insurance that is the pillar of the family, as the family's economic **, once suffering from a critical illness, the whole family will be unable to continue, and everything will be difficult.

Generally, when configuring critical illness, the sum insured should be at least 5 times the annual income, so as to meet the needs of the family in case of a serious illness. After buying insurance for parents, if possible, you can choose a critical illness for your child, the child is young, the same insurance for life, if you buy it at the age of 20, it will be less protected for 20 years, and at this time to buy critical illness insurance, it is more cost-effective.

2.Step 2: Accident ProtectionAccident insurance is the best embodiment of the principle of insurance leverage, with high insurance amount and low premium, and those families who often need to go on business trips or like to travel are especially needed.

Some people don't buy medical insurance because they are not sick, but when they are really sick, they can no longer buy medical insurance. The purpose of buying medical insurance is to be able to recuperate with peace of mind after illness without worrying about the cost. For those middle- and high-class families, they can choose high-end medical insurance, have a green channel for medical treatment, reduce a lot of anxiety, and can better treat diseases with peace of mind.

4.Step 4: Life insuranceIf the death of a member of the family will have a great impact on the family economy, it is recommended to take out a life insurance, so that the children's education and parents' pension will be guaranteed.

Some people may ask, obviously life insurance is very important, why put it in the fourth step, this is because with the development of medical level, many diseases can be **, people's life expectancy has also increased greatly, in view of such a reality, the focus of buying insurance should be how to live better, rather than after death.

Of course, since the existence of life insurance means that it also has a certain market, and according to the data shows that the proportion is not small, the reason why to buy life insurance, is the embodiment of responsibility, the pressure of car loans, housing loans, living costs, education expenses, etc., are the bulk of a family's expenditure, and once the loss of economic support, other family members will definitely fall into trouble.

As mentioned above, life insurance can be bought for the core members of the family or the breadwinner, and other members such as children can be ignored for the time being, after all, children are mainly consumption-oriented, and the possibility of obtaining income for the family is very small.

What insurance is appropriate for a family of four?

The insurance that is suitable for a family is accident insurance, critical illness insurance, medical insurance, life insurance and pension insurance.

1.Accident insurance. Accident insurance premiums are relatively low, leverage is generally high, and accidents are often unpredictable, so it is necessary to allocate accident insurance.

2.Critical illness insurance. Purchasing critical illness insurance can effectively provide critical illness protection, passing on the high ** cost to the insurance company, and the younger the health and age, the lower the premium.

3.Medical insurance. As a compensatory type of insurance, medical insurance can be purchased with critical illness insurance, and the reimbursement scope and proportion of medical insurance are larger than that of social insurance, and medical insurance can compensate for a part of the medical expenses and alleviate the economic pressure caused by medical expenses.

4.Life. The breadwinner of the family bears heavy family responsibilities, and in the event of death or loss of self-care, it will bring a lot of losses to the family, so you can buy life insurance to make up for possible risk losses.

5.Pension insurance. If the financial ability allows, the sooner you buy endowment insurance, the better, you can extend the savings time, get pension security in advance, and make our life more quality in our later years.

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Ordinary families can generally buy the following insurance:

1.Critical illness insurance: The insurance company can pay a lump sum insurance payment if the insured suffers from a serious illness such as malignant tumors and cerebral hemorrhage and meets the conditions for claim settlement.

As for how to choose a product for critical illness insurance, you can check the list of popular critical illness insurance compiled by Daddy "How to buy critical illness insurance?" These high-incidence diseases are not bought in vain! 》

2.Medical insurance: It mainly reimburses the reasonable and necessary medical expenses incurred by the insured due to illness or accident;

3.Accident insurance: mainly covers accidental death or disability, accidental medical treatment, etc.;

4.Life insurance: The life or death of the insured is a condition for the payment of insurance benefits. Among them, the cash value of increased whole life insurance is relatively high, and it can also partially receive the cash value in the form of insurance reduction, which can be used as education funds, wedding funds, pensions, etc.;

5.Family contents insurance: It can compensate for the loss of family property due to natural disasters, theft, etc.

If you don't know how to choose the above insurances, or want to directly get a customized protection plan, you can click on the link in the article to scan the code to consult Daddy Insurance

1. First of all, you must buy insurance for the breadwinner of the family. Accident insurance can be given priority to family breadwinners, and it is recommended to set the sum insured at more than 10 times of the annual income. Medical and critical illness insurance are also important considerations for family supporters, and the sum insured should be sufficient when purchasing critical illness insurance.

The cost of critical illness is as little as 70,000 yuan or 80,000 yuan, and as much as 100,000 yuan or even higher, and it is recommended that customers with social security should take 100,000 or 200,000 yuan.

2. Secondly, choose a suitable insurance for housewives. In addition, housewives can choose women's special disease insurance for women's special diseases, such as breast cancer, cervical cancer, ovarian cancer, female carcinoma in situ, systemic lupus erythematosus nephritis, etc. When purchasing women's critical illness insurance, it is best to choose a longer payment period to spread the risk.

3. To buy insurance for the elderly, you should first purchase accident insurance and then consider health insurance. Because the probability of accidental injury is higher in the elderly than in other age groups, it is important to purchase accident insurance, especially accidental fracture protection.

4. In the process of children's growth, choose a suitable accident insurance for children. When buying accident insurance for your child, it's best to buy a one-year one. Children's health protection should not be neglected, you can choose the right children's medical and critical illness insurance.

Choose critical illness insurance for your child, and the sum insured should not exceed 100,000 yuan. It is advisable to purchase an accident health insurance policy to have both accident and critical illness protection. In addition, if the family is financially well-off, you can purchase a children's education fund insurance for your children when they are young, and save your children's education funds in advance.

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

Although the income of the breadwinner of the family is relatively high, these incomes need to support the living expenses and education expenses of the family members at the same time, and bear the high mortgage pressure of the family. As the only person in the family who earns money, once the breadwinner encounters a "major risk", it will deal a major blow to the family economy. And the risk is uncertain, once encountered, it means a sudden interruption of the household economy, and a sharp contraction of household income.

When insuring your husband as the breadwinner of the family against accidents and critical illnesses, it is important to consider not only the medical expenses required in case of accident insurance and illness risks, but also the unpaid portion of the mortgage, which should cover the medical expenses, and the emergency fund and mortgage that will help the whole family tide over the difficult situation in case of any risks. Mr. can consider accident insurance, accidental medical treatment, critical illness, and pension. On the basis of social security, the wife supplements accident insurance, accidental medical treatment, critical illness, and pension.

To insure your child, it is recommended to apply for children's medical insurance first, and supplement accident insurance, accidental medical treatment, critical illness, and education on the basis of children's medical insurance.

When buying insurance, the most important thing to pay attention to is your own needs and the performance of the product. The brand of the insurance company is not so important in comparison. Because there are no small companies in the insurance industry, the registered capital starts at 200 million.

In the operation of the entire financial industry, the insurance industry is the most regulated and strictest industry, with the China Banking and Insurance Regulatory Commission's 100 billion yuan of insurance protection, the mutual insurance mechanism of reinsurance companies, and the liability reserve mechanism, China's insurance industry is a very mature and perfect mechanism system.

Both husband and wife purchase high-sum insured accident insurance, each with an insured amount of 2 million, which can cope with the risk of accidental death. To sum up, with an annual premium of 10,000 yuan, you can configure a relatively good protection for the whole family, and Mr. and Mrs. A, and the baby have relatively high insurance amounts, which meets the needs of the family. Insurance configuration is a personalized matter, which requires comprehensive consideration of family circumstances, personal preferences, etc., and there is no standard answer.

Only when we understand our own needs and the general direction is right, the specific product selection will not be too bad. Otherwise, the direction is not right, and no matter how carefully you choose, you may also go in the opposite direction.

There are suitable ones, and these insurances are very good, and there will be certain benefits, and they can protect family life, and the cost will be very low.

Of course. We can buy some accident insurance, we can buy some million medical insurance, we can buy some health insurance, we can also buy some education insurance, all of which are suitable for families to buy.

Of course, you can buy children's medical insurance, critical illness insurance, medical insurance, accident insurance, health insurance, etc., which can provide us with a variety of protection in our lives.

1. To buy insurance, you generally buy social security first.

2. Adults first and then children, according to family responsibilities to distribute the amount of insurance.

3. Commercial insurance first buys accidents, and then buys empty model medical, critical illness and life insurance.

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