I am 38 years old, with a monthly income of 4,000 thousand, and I need to buy a critical illness and

Hello! The principle of purchasing insurance is based on social insurance, and it is better to add appropriate commercial insurance as a supplement. The expenditure of its insurance costs is generally about 10---20% of the annual income, and it is best not to exceed 20%, that is, to use 10% of the funds to preserve 100% of their assets.

For each of us, we should consider health insurance. Directly speaking, as people age, their body's resistance is inversely proportional, and their ability to resist related risks is relatively weak. Therefore, you must first consider medical insurance, whether it is commercial insurance or social insurance, and then consider other insurance products, so that it makes sense.

If you are not healthy, it is impractical to have more pension insurance. It is recommended that you first purchase the social security launched by the state (preferably if the unit comes forward to purchase it), such as cooperative medical insurance for rural households or urban residents for urban residents, and then consider commercial insurance as a supplement. Finally, it should be noted that the principle of insurance application is as follows:

1) Buy insurance first to buy medical health, health can ensure that customers have everything. (2) Buying insurance is light on words and heavy on contracts, life insurance is generally a lifelong contract, and you can become lifelong happiness if you buy it, otherwise it will have a great impact. (3) Insurance products need to have the function of maintaining and increasing value, and the current standard of living is increasing day by day, and it must be able to curb inflation.

We hope to be able to communicate further so that we can make a reference plan that is more suitable for your needs: Whole Life Health Protection Plan.

If you make up for 15 years, it's really cheap, so I suggest you make up for it quickly.

Your current monthly income is 4,000 yuan, and your insurance purchasing power is not high, so you want to buy insurance for critical illness, pension, and accidents, and your affordability is within 5,000 yuan.

Hello! Welcome to the Sunflower Insurance Network for consultation. You have a good sense of insurance, take into account your risks, and do so through insurance.

When purchasing critical illness insurance, pay attention to the following points: 1. The insurance company's claim coverage, which is the insurance company's "exemption clause". Some companies have 9 articles, 7 articles, and at least 3 articles; Don't look at a few fewer exclusions, which will mean one more or even more "decisive reasons" for your insurance to claim the sum insured.

2. The types of diseases covered are not more and more, but include the whole body. Although some insurance companies have many types of diseases, they are subdivided types, and some diseases are related to the species (for example, the coverage is Guangdong and the coverage is Shenzhen, such a species relationship, of course, the scope of Guangdong is wide), so it is necessary to carefully look at the types of diseases. 3. When to make a claim, if it fails to reach the critical illness, that is, if the critical illness is discovered in the early stage, whether there is a claim.

In the early stage of some major diseases, the technical term is carcinoma in situ. In this period is the best ** period, the cost is not very high, only need to do some minor surgery can be solved, at this time the insurance company can claim the cost of the operation, this is the most real help. 4. Whether the insurance contract will be terminated immediately after the claim is settled, and whether there is a number.

2. The third claim. Because the chance of a critical illness is still very high. And most people only consider what is a good way to avoid the next thing after there is a problem, but at this time, it is basically impossible to buy insurance.

Therefore, having two or three claims is a kind of peace of mind for customers, and it also reflects humanized care. 5. Long-term critical illness exemption function of insurance premiums. If I unfortunately suffer from a critical illness on the way to pay the premiums, do I not have to pay the annual insurance premiums and enjoy the benefits of the insurance?

If the customer unfortunately suffers from a critical illness, the income will definitely be affected, so if the insurance company can take responsibility to help the customer pay the insurance premium after the customer unfortunately suffers from a critical illness, so that the love will continue, this is the true meaning of insurance. Therefore, when buying insurance, it is important to see if the insurance product has such a function. The above suggestions are for reference only.

At the beginning of a serious illness, is there a claim? If you buy one insurance, you can make a claim 3 times.

Hello! Hello friends, I am Gong Huayu from Changsha Taiping Life Insurance, and I am happy to serve you. Social security is the basis of security, and the role cannot be replaced by commercial insurance, so it is necessary to renew social security.

Commercial insurance is mainly aimed at supplementing the lack of social insurance for accidents and critical diseases. There are several aspects to pay attention to when purchasing critical illnesses: 1. Whether the scope of protection is the widest; 2. Whether the duration of the guarantee is lifelong; 3. Whether the sum insured is increased; 4. Whether the waiting period is the shortest Our company's Kangyi Jinsheng is such an insurance and it is your best choice.

Specific Kangyi plus my QQ for exchange reference: how to choose health insurance Taiping Life Brand Advantage 30-year-old male Jinyue Life Pension Plan Health account for the year of establishment.

Hello: Glad to be here for you. You have a strong sense of insurance.

First of all, it is recommended that you complete the social security first, because social security is the most basic protection. If conditions permit, you can consider Ping An's universal insurance, which is guaranteed and can also be used for the elderly. Hope it helps.

Because of professionalism, so trust! I wish you and your family a safe, healthy and happy life!

Hello! Social security is the basic security and must be had; Secondly, if the economic conditions allow, buy commercial insurance as a supplement! Social security can be interrupted, you can continue to pay by yourself now, as long as you have paid for 15 years, you can receive a pension when you reach retirement age!

If it is in Ningbo, after the age of 40, women can also enjoy the re-employment subsidy, which is for the unemployed who pay social security by themselves, and return two-thirds of their social security money every six months, which is still very good! When buying commercial insurance, consider accident insurance and serious illness insurance first, and protect first! Pension second!

Reference: [Original] 38-year-old successful men's health pension rules.

Social security must be available, and the pension needs to be paid for at least 15 years. Secondly, if there is no problem with the premium, you can consider commercial insurance as a supplement to social security. It is also to give priority to accident insurance and critical illness insurance, and then consider pension insurance. We recommend that you pay attention to China Life's Corning Whole Life Critical Illness Insurance.

Hello dear friends! I'm glad you have this question, social security can be paid later, and how much money to pay in the future is not certain, it is not recommended to pay now, because there is a gap of at least 6 years according to your age group, during which social security is not reimbursed, it is recommended to supplement commercial insurance first (because now pay commercial insurance, it is cheaper, and the premium will be higher and higher as the age increases), after the age of 45, you can be attached to the unit to pay social security. Wishing you health and peace!

If you have social security, you can go to the social security hall or call 12333 to ask. If you are seriously ill, you can consider the Golden Life of the Pacific: 1. Low premiums and high protection; 2. Treat diseases and provide for the elderly without diseases; 3. The sum insured increases year by year, and dividends are distributed every year; 4. Principal preservation, value preservation and appreciation; 5. The widest coverage and the largest variety of covered diseases; 6. Flexible payment and receipt.

Hello, I recommend to you the Pacific Insurance's Golden Life Plus Golden Life Critical Illness, which is a collection of accidents, critical illnesses and pensions, and the sum insured is an increasing dividend, which is expensive to resist inflation, followed by the final dividend. It suits your requirements very well, and you only need to save less than 800 per month.

Hello! Social security must be paid! It's worth it to make up for it! 4,000 yuan to take into account pension and critical illness protection, you can consider Xinhua's auspicious supreme, which is more appropriate.

Pension and accident insurance, your affordability is within 5,000 yuan, recommend Taiping Life's Kangyi Jinsheng + 10,000, it is really cheap, it is recommended that you make up for it quickly.

Your current monthly income is 4,000 yuan, and your insurance purchasing power is not high, so you have to buy a critical illness if you make up for 15 years2, which is the first domestic insurance with comprehensive protection and pension.

Hello, pay social security first, and then supplement critical illness and pension with commercial insurance, Ping An's Xinxiang + critical illness is suitable for your needs

Hello, if you can afford it, you can supplement social security first to obtain basic protection, and then supplement commercial insurance. If the economy is not good, you can also choose commercial insurance first, giving priority to medical treatment (including serious illness and accident, hospitalization, etc.). Reference:

The sooner you buy the insurance, the more money you can save, and it is best to surrender the policy within 10 days. What exactly is life insurance?

Hello, I have paid social security for 4 years. Make up for the empty years before. Then consider critical illness insurance. Just complementary to your social security, take a look at the following case reference: 40-year-old --- 50-year-old critical illness insurance transfer.

Hello! It is recommended that you purchase a critical illness insurance policy with pension features. Click on the case reference: 38 years old with a critical illness for the elderly.

Hello, thank you for your attention to sunflowers, social security is the most basic protection, it is recommended that you make up for it, if the financial ability allows, you can buy some commercial insurance to supplement the shortage, thank you.

Ping An's outwitted life universal insurance is good!!

Hello, I recommend you to consider our company's Fulu Mantang and Corning Lifetime, critical illness and pension are available, please consult for details.

Hello: It is recommended that you purchase commercial insurance, mainly for critical illness!

Hello It is recommended to focus on critical illness and dividends, please refer to Taikang Healthy Life Lifetime Dividends.

It is recommended that Kangyi Jinsheng provide comprehensive protection for the health of the elderly.

Hello, don't pay social security first, and do commercial insurance supplements, thank you.

Does it depend on whether you have purchased commercial insurance? Do you want lifetime coverage or regular coverage?

Brother Bao said insurance, focus on insurance evaluation! If a 29-year-old friend wants to buy insurance, you can first read the article I wrote:

Buying insurance at the age of 29 has the following benefits: In general, the physical condition of people in their 20s is bound to be better than that of middle-aged and elderly people, there are many types of insurance products that can be bought, and the premiums will be relatively cheap. Next, let me tell you what type of insurance you need to buy at this age.

1.Social health insurance.

Social medical insurance should be configured first. As we all know, social medical insurance is a benefit given by the state, and in order to cooperate with national policies, it is recommended that everyone allocate social medical insurance. Social medical insurance advocates the purchase of the whole people, so it is also close to the people.

2.Critical illness insurance.

The most recommended commercial insurance product is critical illness insurance products. Before introducing the types of critical illness insurance, you can take a look at the following data, lung cancer, which was once known as the "killer of old age", has also begun to show a trend of younger people, and the youngest of them is only in their teens. The incidence of lung cancer in the 35-year-old population has accelerated, and the incidence of lung cancer in men is higher than that in women.

It can be seen that the younger age of the disease reminds us that everyone needs to buy critical illness insurance, and we must pay attention to our body and not leave it to chance. It is wise to purchase critical illness insurance as early as possible.

3.Commercial medical insurance.

Some people will regard commercial medical insurance and social medical insurance as the same kind of insurance, but there is actually a certain difference;

In layman's terms, commercial medical insurance complements social medical insurance. If you encounter a fever, it's okay, and the social medical insurance reimbursement is OK; However, if you have a serious illness, social security can only reimburse 40% of the expenses in the secondary hospital, and the rest of the medical expenses must be borne by yourself, so this money is indeed a lot;

Therefore, existence is reasonable, and the role of commercial medical insurance comes: it reimburses the remaining expenses in social medical insurance and then reimburses, which alleviates the economic tension caused by medical expenses.

The best way to buy medical insurance is to give priority to buying millions of medical insurance, mainly because it is cheap, and you only need to go to hundreds of states to get millions of insurance amounts. Secondly, it has a very comprehensive insurance content, including: surgery fees, nursing fees, drug fees, etc.

4.Accident insurance.

Don't judge whether there are accidents based on age, everyone will encounter accidents: at the age of 29, you may encounter traffic accidents, accidents such as accidentally falling and injuring yourself on the road; Accident insurance is very important for anyone, not to mention that accident insurance only costs 100 yuan a year.

Judging from the ratio of your annual income to premiums, this fee is indeed too high.

Your annual income is 30,000 yuan, and the annual premium is 9,720 yuan (810 12), accounting for one-third of your annual income, which is too high. Usually, ordinary people use the funds to do security, no more than 10 of the annual income, not more than 15, so as not to affect the normal life, which is also the need to understand the other party's economic situation, as well as the family's debts and living habits when making a protection plan for customers, to avoid making the customer's premium investment too much, more than the safety ratio, to the other party's life trouble, in case of failure to pay the premium in the later stage, surrender will bring great losses.

In addition, whether insurance is expensive depends on what the problem you need to solve, then whether the product you insure solves the problem you want to solve, and finally whether the cost of the insured product meets your economic level.

You can tell us how much you have insured.