I want to buy a critical illness insurance for my wife, and what kind of insurance is appropriate to

Hello! The principle of purchasing insurance is based on social insurance, and it is better to add appropriate commercial insurance as a supplement. Its insurance expenses are generally about 10---0% of annual income, and it is best not to exceed 0%, that is, 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, the body's resistance is inversely proportional, and the ability to resist related risks is relatively weak Therefore, you must first consider medical insurance, whether it is commercial insurance or social security, 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 is as follows: (1) Buy insurance first to buy medical health, and health can ensure that customers have everything (2) Buy insurance lightly and pay attention to 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 I hope to be able to communicate further in order to make a protection plan that is more suitable for your needsReference: Lifetime Health Protection Plan Preservation and appreciation of wealth, elegant retirement See more answers.

Hello, you can buy a female critical illness insurance for your wife, the purchase of female critical illness insurance should be tailored according to your wife's actual age, physical health, economic status, etc., here is just my personal opinion, you can combine your wife's actual situation to the insurance company to compare and choose, here is a reference link for you.

How to buy critical illness insurance).

There is no best, only the most suitable.

Critical illness insurance is a type of health insurance, and the rate of this type of insurance is determined according to the life cycle table, that is, the same amount of insurance is different according to gender and age. Critical illness is generally a long-term payment product, and it is necessary to decide how to allocate the most suitable product combination according to the financial ability of different families.

Critical illness insurance refers to the insurance in which the policyholder can obtain part of the insurance money in the event of a critical illness within the scope agreed in the contract. Critical illness insurance can be divided into two categories: returnable and consumption-based, and return-based critical illness insurance, which can refund the premium at maturity, is more popular and sought after. It is important to remind everyone here that when buying critical illness insurance, you must read the terms of the insurance to specify the disease, and do not blindly apply for insurance.

If you want to buy a Lu Yan insurance for your wife, it is recommended to consider critical illness insurance, medical insurance and accident insurance if you have not purchased protection insurance. If you plan to have a baby in the near future, you can also consider configuring maternal and child insurance, female illness insurance, etc.

If the protection insurance has been fully configured, you can consider configuring some relatively stable and financial insurance, such as traditional annuity insurance, increased whole life insurance, etc., to achieve peace of mind.

For those who don't know this kind of basic insurance knowledge, it is recommended to take a look at it first:Ultra-complete! Everything you need to know about insurance is here

First of all, according to data, the probability of a person suffering from a critical illness in a lifetime is as high as 72%.

If you are unfortunate enough to suffer from a critical illness, you often have to bear a high amount of ** expenses, so it is necessary to configure a critical illness insurance to help transfer some of the family economic risks caused by critical illness.

Medical insurance can be used as a supplement to medical insurance, which can help reimburse some medical expenses for hospitalization due to illness, and it is also very practical.

In addition, accident risk is everywhere, and it is also good to have an accident insurance policy to increase protection. Moreover, accident insurance has high leverage, and it is worth considering that hundreds of thousands of insurance can be leveraged for dozens of dollars a year.

On this basis, if there are special needs, you can also consider maternal and child insurance, female illness insurance and other insurance, which can also increase the protection for them.

For the four common protection insurances, those who want to know more about it can take a look:What is the difference between critical illness insurance, medical insurance, accident insurance, and life insurance? Will there be a conflict when making a claim?

If you are fully equipped with protection insurance, you can consider taking out some financial insurance to help your wife plan her funds.

Like traditional annuity insurance, increased whole life insurance, etc., not only can not only not lose the premiums paid, but also get a certain income, which is very good.

Some friends may not know much about increased whole life insurance, you can take a look first: ZhongxuWhat is the sacredness of [increased whole life insurance] that can manage money and protect it? Is it worth starting?

That's all I've got on the issue, I hope it helps! Hope!

Whether it is for your family or to buy critical illness insurance for yourself alone, we only need to focus on whether the protection content of critical illness insurance meets your own needs before you can consider buying.

Of course, there are still some friends who don't know how to choose the right critical illness insurance for themselves, if it is in the case of sufficient budget, we need to pay attention to the following points:

1.Whether the basic guarantee is comprehensive.

At present, the standard coverage of critical illness insurance in the market is mild, moderate and critical illness. If these three types of protection are not complete, that is, there is not even the most basic protection, and we do not need to choose such a critical illness insurance

2.What is the payout ratio?

Generally speaking, the current critical illness insurance has a compensation ratio of 30% of the sum insured for mild illness, 50%-60% of the basic sum insured for moderate illness, and 100% of the sum insured for critical illness.

You can choose the highest possible compensation ratio within the same ** according to the above criteria.

3.There is no multi-payment coverage for high-incidence diseases.

Due to the trend of people suffering from critical illnesses to be younger, some people who unfortunately suffer from critical illnesses at a young age may have a relatively high probability of suffering from critical illnesses in the later stage, such as cancer and cardiovascular and cerebrovascular diseases.

If you want to know more detailed information, you can take a look at this article: Good critical illness insurance turns out to be like this, we have been deceived for so many years....

If you are tired of choosing, you can also take a look at this Versailles plus critical illness insurance, there are additional claims for mild and moderate illnesses and critical illnesses that meet the conditions, and there is also a very good critical illness green pass service, the specific protection content can be understood in the article: Versailles plus critical illness insurance is back, in-depth evaluation must be seen before buying!

Hello, you can think of the rare thing to build protection for the whole family, and you can see that you are a responsible and family-oriented person.

For a family, the basic principle of insurance is: protection first, investment later, adults first, children second.

Not knowing what stage of the family you are currently in. But either way, protection comes first. I don't know if your husband and wife are entitled to social security or rural cooperative medical care, this is the basic guarantee, if not, it is recommended that you apply for it first.

In this part of commercial insurance, the husband and wife can be insured: accident insurance + hospitalization medical insurance + critical illness insurance + life insurance. However, the average family man is financial**, so the amount of critical illness and life insurance is different for men and women, and the specific amount should be adjusted according to your actual situation and budget.

As for the children, after settling down, they can handle the "one small" insurance in the "one old and one young" in the street, and if they go to school, they will have school insurance, mainly for accidents. Therefore, children can consider hospitalization + children's critical illness + education fund.

Any suitable protection plan is based on full communication and understanding, it is recommended that you find a local ** person to help you do a good job of family financial analysis, and then develop a protection plan.

It is best to buy a family according to the structure, age, income and needs of the family, and it is best to buy a comprehensive one, which should be combined, because everyone's needs are different, and you can't all buy the same insurance, so that each policy can play a role. There are a lot of accident insurance cards that are relatively cheap, and you need to exchange the least amount of money for the maximum protection, for example, many credit cards of Ping An have protection, you don't have to pay to buy, as long as you consume 6 times a year, life insurance, critical illness must be bought, and the pension should also be supplemented. If the child is small, buy some education funds and proper medical treatment.

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 insuranceIn the age range of 0-20 years, critical illness insurance, medical insurance and accident insurance are very important

How do I buy insurance for someone under 20 years old? People who are less than 20 years old are in the period of physical and mental growth and development, and it is inevitable that they will get sick during their growth, so it is excellent to have a medical insurance, and the bits and pieces of medical expenses can be reimbursed; In addition, there will be more accidents in the child's growth stage compared to the age of other stages, so you can consider purchasing an accident insurance; Of course, it is also essential as a critical illness insurance that is more cost-effective the sooner you buy.

For those in their 20s and 30s, my recommendation is to buy critical illness insurance, accident insurance, and medical insurance

How do you buy insurance in your 20s? 20 years old 30 years old, is already an adult who can be independent, at this time the body is young, the spirit is good, parents hope that their children have a bright future, but accidents and risks are everywhere, so it is recommended to buy short-term critical illness insurance + one-year accident insurance + million medical insurance, the premium is actually not expensive, a month is only a few dozen, you can consider it, in line with this age group friends can see the previous answer of the senior sisterFor children in their 20s, what kind of insurance is the most cost-effective?You can take a look at this article.

People aged 30-50 are recommended to take out critical illness insurance, life insurance, accident insurance, and medical insurance

Do you have any advice for young people in their thirties to buy insurance? At this time, buying insurance is more for your family than yourself. Middle-aged work pressure and life pressure are very high, and the probability of illness is naturally very large, critical illness insurance and medical insurance can provide adequate protection for illness; In the unfortunate event of an accident, accident insurance and life insurance can buy peace of mind for the future of yourself and your family.

The key to how to find a cost-effective and reliable insurance that suits you before buying insurance is to choose the right insurance product.

Comparison table of 136 popular critical illness insurances in China (including the detailed list of insurance for each age group).