How to buy insurance for a family is the most cost effective

According to the family income to buy, the most basic is medical and accident insurance, up to the pension planning and children's education and wedding money planning, on the top is financial insurance.

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

Buying insurance should be cost-effective, choosing a company is the most important thing, and it is necessary to start from health, and it depends on the family's financial situation.

Generally speaking, whether it is the breadwinner of the family, the elderly, or children, it is better and affordable to allocate critical illness insurance, medical insurance, and accident insurance.

Due to the current high incidence of critical illness, both men and women, young and old, will face the risk of critical illness, and once suffering from critical illness, it will be followed by high costs, which many ordinary working families cannot afford, so it is very important to configure a critical illness insurance.

With critical illness insurance, even if a critical illness comes to your door, you will have the opportunity to get an insurance payment to use for**.

However, there is an age limit for critical illness insurance on the market, and the maximum age of insurance is generally around 55 years old, if you can't find a suitable critical illness insurance for the elderly at home, then you can also consider insuring them with a cancer insurance, because cancer is one of the high-incidence critical illnesses, and buying a cancer insurance is equivalent to giving the elderly more protection.

In addition, people eat cereals, there will always be a moment of illness, and medical insurance can be reimbursed for the first expenses incurred due to illness in line with the provisions of the contract, reducing the economic losses caused by illness, therefore, it is better to configure a medical insurance.

Also, accident risks are everywhere in life, such as falls, burns, slips, etc. are common accidents, and accident insurance can provide protection for accidental injuries, so accident insurance is also very practical for men, women and children.

Finally, as the breadwinner of the family, you can consider buying another life insurance.

Life insurance mainly protects the death of total disability, and the economic pillar is the main income of the family**, if misfortune occurs, not only the economic income of the whole family ** will be temporarily interrupted, but the daily life of the family will also be affected, but if there is a life insurance, then when the insurance and meet the conditions for claims, you can get an insurance payment, to temporarily tide over the difficulties.

Life insurance can be divided into term life insurance and whole life insurance, what is the difference between the two? There is an answer in this article:What is the difference between term life insurance and whole life insurance? Senior sister will tell you in one article! Hope.

The insurance that is suitable for a family is accident insurance.

Critical illness insurance, medical insurance, life insurance and pension insurance.

You can match the above coverage as much as possible within your budget.

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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