What insurance to buy when you are almost 5O years old, and what insurance to buy at 5o years old

The suitability of an insurance product is inseparable from the age of the insured. Young people aged 0-30 are recommended to take out critical illness insurance, medical insurance and accident insurance; People aged 30-50 are recommended to allocate critical illness insurance, life insurance, accident insurance, and medical insurance. Last night I put together a list of popular insurance plans for all ages:

Popular insurance points for all ages

You can take a look.

Under the age of 45, it is recommended to give priority to critical illness insurance, medical insurance and accident insurance. Seniors over the age of 60 can replace critical illness insurance with cancer insurance.

How to buy insurance

Insurance strategy for children under 20 years old: It is recommended to purchase critical illness insurance, medical insurance, and accident insurance

How do I buy insurance for someone under 20 years old? Before college, you are in the period of physical and mental growth and development, and it is inevitable to get sick during the growth process, so you must configure a medical insurance; In addition, there are more accidents in the child's growth stage than in other stages, so it is also necessary to have accident insurance to prevent accidental disability or death; Of course, it is also essential as a critical illness insurance that is more cost-effective the sooner you buy.

For friends under the age of 30, it is recommended to take out critical illness insurance, accident insurance, and medical insurance

How do you buy insurance in your 20s? 20 years old 30 years old, most of them have begun to live independently, at this time the body is young, the spirit is good, never considered the problem of birth, old age, sickness and death, but accidents and tomorrow who knows which one will come early, so it is recommended to buy short-term critical illness insurance + one-year accident insurance + million medical insurance, the total cost will not be too expensive, a month is only a few dozen, it can be considered, in line with this age group friends can see the senior sister beforeI'm in my 20s, do I need insurance? What insurance to buy

You can take a look at this article.

If you are in the youth stage (30-50 years old), choose critical illness insurance, life insurance, accident insurance and medical insurance

What kind of insurance is the most cost-effective for children in their 30s? At this time, buying insurance is more for your family than yourself. Middle-aged people are under the pressure of work and life, and as they get older, the probability of illness is also increasing, critical illness insurance and medical insurance can provide adequate protection for illness; If you are unable to continue to be the breadwinner of your family due to an accident, accident insurance and life insurance can buy peace of mind for the future of yourself and your family.

Friends who meet this age group can watch before the senior sisterWhat kind of insurance is the most cost-effective for children in their 30s?

For how not to be cheated and buy good insurance products scientifically, the key is to choose the right insurance products.

"What insurance to buy when you are almost 5o years old"Comparison table of 136 popular critical illness insurances in China (including the detailed list of insurance for each age group).

Medical, accidental, medical can be considered. At this age, it is a little more expensive to do a critical illness, and if conditions permit, you can add a pension.

Hello! When buying insurance for people who are almost 50 years old, they must first improve their social security protection, and then consider accident insurance, health insurance and financial insurance according to their economic situation. Here's a look at the specific business insurance plan:

1. The physical function of people who are almost 50 years old is slowly declining, the risk of accidents that may be encountered has increased significantly, and the risk tolerance is also weakening. Therefore, it is recommended that people who are almost 50 years old give priority to accident insurance, and WiseChoice Annual Comprehensive Accident 10 1 Protection Plan - Happiness Edition is a good choice.

2. The ability of people who are almost 50 years old to resist diseases is constantly weakening, and the possibility of disease is increasing. Therefore, people who are almost 50 years old should choose a suitable health insurance after doing a good job of accident protection, and it is best to cover common middle-aged and elderly diseases, such as malignant tumors, sequelae of stroke, paralysis, etc.

3. It is no longer very suitable for people who are almost 50 years old to buy endowment insurance, so 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 have no large-scale consumption plans in the short term, buying participating insurance is a more ideal investment, and caring for e-health insurance plan (participating type) can be considered.

Health insurance: As the vast majority of people enter old age, their health is not as good as before, so medical expenses have become an important expense for the elderly. According to the survey, in addition to daily consumption, general health care accounts for about 40% of the monthly expenditure of the elderly.

It can be seen that it is very necessary to buy a health insurance for the elderly.

According to the characteristics of the elderly, it is more suitable for hospitalization medical insurance and critical illness insurance. Among them, medical insurance can be purchased separately or as an additional insurance, which mainly covers the reimbursement of expenses incurred due to hospitalization due to accident or illness, and generally pays a fixed amount of daily insurance benefits for hospitalization.

When buying insurance, you should first choose social security, and then you can consider commercial insurance, which first considers health, and so on.

At this age, any insurance is basically "sky-high", first buy accidental injury (the cheapest, practical), then buy inpatient medical treatment (medical reimbursement), and if you have the financial strength, you can buy a major illness (cancer or the like).

What kind of insurance, illness, pension, etc. should middle-aged people buy?

There are two cases:

1) If the income is okay and there is no other insurance, it is recommended to choose the dividend-paying annuity endowment insurance with a critical illness combination, so that the serious illness is an independent insurance amount, and even if the claim is settled, it will not affect the later pension payment.

2) If the income is average and the family financial burden is large, you can choose whole life insurance with additional critical illness, protect yourself from illness, and realize cash to supplement the pension in the later stage of illness.

If you haven't had insurance before, you should pay attention to critical illness insurance now, as women in this age group have a high incidence of critical illness. If you don't have Social Security, it's also important to have inpatient medical insurance that covers out-of-pocket medications. Don't forget to have enough accident insurance.

Buying insurance is buying protection, according to your situation, it is recommended to improve social security, and then strengthen the dual protection of accidents and major diseases, supplement the lack of medical treatment, and also strengthen the savings products of pensions.

Women over the age of 50 can configure the following types of insurance:

1. Critical illness insurance, as the primary insurance option, is also the most basic insurance. At present, the critical illness insurance covers 100+ diseases, multiple claims, multiple claims for mild and moderate diseases, with its own premium waiver function, and the protection is very comprehensive, the recommended insurance amount is 3-5 times the average annual salary, and it is generally recommended that the sum insured is more than 300,000 yuan;

2. Medical insurance and accident insurance, medical insurance is best to cover inpatient medical treatment, outpatient medical treatment and critical illness medical treatment, which can be used as a supplement to social insurance reimbursement; Accident insurance can also be configured, including comprehensive accident insurance for accidental medical treatment;

3. Retirement pension planning, with increased whole life insurance to configure, compound interest appreciation every year, can not only make the wealth stable appreciation, but also can be used as their own pension, the way to receive is very flexible and autonomous;

A 50-year-old woman can still buy critical illness insurance. In the case of critical illness insurance, it is more cost-effective to not invert the premium. In addition, if you are stressed, you can choose cancer insurance, or add some million medical accident insurance.

First, one is neededSignificant medical insurance。Due to the age is not young, the premium pressure to buy critical illness insurance will be great, and at the same time, because of the physical problems, there is a lot of possibility of being rejected by the insurance company, so medical insurance with low insurance requirements and cheaper premiums is a very good choice. It is recommended to choose large-amount medical insurance to reimburse medical, hospitalization, drug and other expenses, which can often be reimbursed for a higher amount, so you can choose a better medical environment with peace of mind;

Secondly, another copy can be configuredCancer insurance。As the age increases, the incidence of cancer will become higher and higher, and it is necessary to configure a cancer insurance policy.

At the end of the day, insurance is a highly customized product, you can click here to click on me, and intelligently calculate the most suitable protection plan

1. Accident insurance.

The probability of a 50-year-old woman suffering an accidental injury is still very high, so a 50-year-old woman can buy an accident insurance, and the accident insurance has a high leverage ratio and can obtain a high sum insured with a low premium.

2. Medical insurance.

Although most women in their 50s have social security, the reimbursement scope of social security is limited, and if you want to be more comprehensive, you can buy medical insurance to supplement social security. And for 50-year-old women, there are more restrictions on purchasing critical illness insurance, and the premium is not cost-effective, so it is still very good to buy a medical insurance, such as hospitalization medical insurance.

3. Cancer insurance.

50-year-old women will also have a higher probability of developing cancer, and there are many cancer insurance policies on the market that are also suitable for 50-year-old women.

Question: How much does a 50-year-old pension cost?

How much does a 50-year-old pension cost.

If you are an in-service employee, then your pension insurance premium is shared with the enterprise, generally the unit is responsible for paying 20%, the individual employee is responsible for paying 8%, and the 8% paid by the individual employee is generally deducted from the monthly salary.

So we can make an analogy, for example, if your monthly salary is 5,000 yuan, then you have to pay endowment insurance: 5,000 8% = 400 yuan. Of course, endowment insurance can also be paid by individuals, and individuals can choose the grade of payment according to local standards and their own circumstances when handling endowment insurance.

There are 10 grades of general endowment insurance payment grades: 120 yuan, 240 yuan, 360 yuan, 480 yuan, 600 yuan, 960 yuan, 1200 yuan, 1800 yuan, 2400 yuan, and 3600 yuan per year.

Hello! When a 50-year-old buys insurance, in order to avoid the phenomenon of inverted premiums, they should focus on pure protection products on the premise of considering the risks, so that the products they buy are more cost-effective. Among them, accident insurance and health insurance can be considered.

Specifically, accident risks are everywhere, the older you are, the greater the possibility of accident risks, timely purchase of commercial accident insurance can well avoid the risk of bumps, falls and other risks, when applying for insurance, hospitalization medical treatment and hospitalization allowance protection; 50-year-olds are not as physically fit as they used to be, and they are easily affected by diseases, and a health insurance can protect their health well, so it is recommended that you choose consumer products. When applying for insurance for 50-year-olds, they can apply for insurance at the direct sales agency of their favorite insurance company or their official website, or they can buy from a local insurance person, or they can also apply for insurance in a third-party insurance. Relatively speaking, online insurance plus is convenient and cost-effective.

For example, you only need to log in to the homepage of Huize.com, find the appropriate product in the corresponding section, click on the insurance, the whole process is very convenient, and you can also get at least 15% premium discount.