Who should buy insurance? What insurance is good for ordinary people to buy

The insured person must be a healthy individual.

The policyholder should have a stable income and the ability to pay.

The amount of compensation for minors shall not exceed 50,000 yuan.

There are also accidental injuries, health problems and pension problems, which are the biggest risks that everyone may encounter at any time, and once they encounter such risks, they may directly affect the fate of a person or a family.

Therefore, it is safer to try to buy insurance for everyone.

The correct way to buy insurance should be:

It is very important to learn and understand before buying insurance. Try to learn as much as possible about insurance and correctly understand the function and role of insurance;

Choose a strong and reputable insurance company;

It is very important to choose a high-quality salesman who is responsible, honest and credible, proficient in business, and has been in the industry for more than three years to provide you with good pre-sale, in-sale and after-sales service to provide you with services;

Choose the right combination of insurance for your needs;

After receiving the policy, you should carefully read each clause many times within 7 days, and if you have any questions or doubts, you should contact the insurance company or salesman at any time for consultation. If you are not satisfied with the type of insurance you have invested, you can surrender the policy unconditionally within 10 days to ensure that your interests are not lost. Therefore, it is very important to make an early choice before applying for insurance.

As long as you have food and drink, can meet your basic living needs, and have extra savings, you can buy insurance, provided that you are in good health. The benefit is the transfer of risk, and risk is everywhere. You can also save money for your future pension and provide serious illness insurance.

How to configure insurance for middle-aged and elderly people.

Do you know what insurance is suitable for you, and do you know how to choose when buying insurance?

The main role of insurance is to transfer financial losses caused by illness, accident, disability and even death. And we have to experience birth, old age, sickness and death all our lives, death, disease, accident risks are threatening us all the time, so the protection function of insurance is particularly important, all groups of people regardless of wealth, regardless of gender are suitable to buy insurance, let it help us transfer the corresponding economic losses. If you want to know more about the benefits of insurance, you must take a look at this article:

What are the benefits of buying insurance? A lot of people think too much.

For most ordinary people, the protection of the four major types of insurance, such as critical illness insurance, accident insurance, life insurance, and medical insurance, is very crucial, which can basically cover the risks of illness, death, and accidents. However, there will be slight differences in the allocation of insurance for different groups of people. For example, life insurance mainly solves the problem of increasing the financial burden on the family due to the early death or total disability of the family economic pillar, so the most suitable group of people for life insurance is the economic pillar of the family, like the elderly and children, they do not bear family responsibilities, so they do not need to be configured.

The remaining three types of insurance are universal and suitable for most people. If you want to know more about the four major types of insurance, you may wish to read this article: What is the difference between critical illness insurance, medical insurance, accident insurance, and life insurance?

Will there be a conflict when making a claim?

In general, no matter what age we are in, whether we are poor or rich, we need insurance to add protection to us. But buying insurance is not an easy task, and it is easy for a novice to buy insurance! This anti-pit guide compiled by the senior sister, everyone must take a look:

Insurance] which is good, how to buy a good deal, hand in hand to teach you to avoid these pitfalls of insurance.

As an ordinary person, should I buy commercial insurance? Which should I buy? You need to know these points.

It is enough for ordinary people to have these kinds of insurance, and it is a waste of money to buy more. It is enough for ordinary people to pay attention to these kinds of insurance, which can save money and have a sense of security.

If you buy insurance, it is decided according to the different circumstances of each person and each family, don't follow the crowd, not that others say that it is good, but that it should be the best for yourself.

Generally speaking, it is better to buy critical illness insurance, medical insurance, and accident insurance, and if you are in the position of the pillar of family finance, you can configure a life insurance.

So why buy the above types of insurance? Senior sister, I'm going to explain it to you.

In a person's lifetime, the probability of suffering from a critical illness is as high as 72%, and the cost of a critical illness is usually calculated in tens of thousands. Therefore, once suffering from a serious illness, it will not only bring patients the pain of the disease, but also a huge financial burden, which is difficult for ordinary migrant workers to bear. However, if there is a critical illness insurance, there is a chance to get a sum of money to tide the patient through.

It can be seen that it is very necessary to allocate a critical illness insurance as soon as possible.

Medical insurance is a reimbursement for the ** expenses incurred due to illness in accordance with the provisions of the contract. Although it is similar to the role of medical insurance, its reimbursement scope is wider than that of medical insurance, and the reimbursement ratio is higher than that of medical insurance.

There is also accident insurance to provide protection for accidental injuries, everyone faces more accident risk factors in life, buy an accident insurance, you can get more protection.

Finally, there is life insurance. Life insurance mainly protects the death of total disability, which is more suitable for the family's economic pillar configuration, because the economic pillar is the main economic ** of the family, if the economic pillar is unfortunate, the family's economic system is likely to face collapse.

Therefore, one should purchase a life insurance policy in case you need it.

So what are the life insurance policies on the market that are worth buying? After reading this collection, you will know: the top ten life insurance rankings worth buying!

Hello! At present, there are many insurance products on the market, for the average person, if you want to add protection to yourself, you should choose according to your own needs, but generally speaking, accident insurance, health insurance, life insurance and other types of insurance should be considered. The specific description is as follows:

1. According to data, the number of accidental deaths and injuries in China in the past ten years is nearly 100 million. Globally, about 3.5 million people die each year from unintentional injuries, accounting for about 6% of all human deaths. For the average person, the probability of accidental injury is extremely high.

Therefore, it is recommended that most people buy insurance to give priority to improving accident protection.

2. After the average person has done enough accident protection, the second step is to pay attention to health protection, but the average person who buys health insurance is "different from men and women". First of all, when men apply for health insurance, it is recommended to give priority to critical illness insurance, and the amount of critical illness coverage should not be less than 10 times of the annual income. Secondly, the female system is special, so when women buy health insurance, they should pay attention to whether the product covers special female diseases such as breast cancer, cervical cancer, ovarian cancer, and female carcinoma in situ.

3. After doing the full basic security, the average person should also take responsibility for his family. Especially for the breadwinner of the family, it is necessary to have a strong sense of responsibility, and it is necessary to insure a suitable life insurance.

What kind of insurance is good to buy depends on your own needs. If you are insuring your child, consider that you will face risks in your daily life, such as illness and accidental injury. Therefore, it is better to purchase children's critical illness insurance, medical insurance, and accident insurance for protection.

However, when insuring your child, you need to pay attention to the following: In-depth article - how to buy insurance for your child? Netizens shouted: Why did you only see it now.

The purpose of buying insurance is to avoid the economic losses caused by the risks that may be encountered in the future, and if you start from this point, the people who need to be insured should be at greater risk.

Most people can buy insurance. Especially children and the elderly, as well as people who are unable to work.

Everyone needs insurance, but the type of insurance may not be the same.

Who needs insurance? I think young people need insurance the most, because they can't wait until they get sick to buy insurance.

Anyone needs insurance, mainly the breadwinner of the family.

Low family income or single income channel: This kind of family has poor ability to resist risks, and family members are prone to financial difficulties due to accidents or serious illnesses.

Only people who are older and like to run around.

People who work in dangerous industries may have their lives at risk.

Now the children can buy insurance when they just go out, and they can buy insurance with a little spare money, so they have more protection!

In fact, any kind of person needs to buy insurance, whether it is a young person in good health or an elderly person, they all need to buy insurance. After all, we have risks at any stage of life, such as health risks, accident risks, etc., and we all need insurance products to transfer the corresponding risks for us.

How to buy insurance for different age groups? Everyone should have their own plan.

So in the next time, the senior sister will introduce to you what insurance people of different ages need to buy! Don't talk nonsense, go straight to the dry goods!

1.Child.

Because of the child's young age, poor sense of self-protection and other reasons, the child will always encounter illness or accidents, once suffering from a serious illness or accident, not only will the child's body and mind suffer a huge blow, the whole family will also fall into endless self-blame.

Therefore, it is necessary to configure critical illness insurance, medical insurance and accident insurance products for children to help families resist the financial risks caused by their children's critical illness or accidents!

2.Middle aged.

For middle-aged people, this time can be said to be in the stage of "old and young", and they are also responsible for the main economy of the family, and there is no room for mistakes.

Therefore, the insurance that middle-aged people want to allocate should also be relatively sound, and it is generally recommended to buy critical illness insurance, million medical insurance, accident insurance and life insurance.

And as we all know, a critical illness requires huge medical expenses, and critical illness insurance can not only allow the insured not to worry about the money for treatment, but also make up for the economic losses caused by the critical illness, such as lost work expenses and nutrition expenses.

So what kind of critical illness insurance is currently on the market that is worth insuring for middle-aged people? Senior sister will tell you in one article:

Top 10 Popular Critical Illness Insurance Points Worth Buying!

3.Senior citizen.

Because the elderly are older and their physical health is declining, many insurance companies have fewer opportunities to provide coverage for the elderly.

However, the elderly can choose to take out cancer insurance and accident insurance, these two insurances are relatively friendly to the elderly, not only the health notice is relaxed, but also the upper limit of the insurance age is also very high, basically can reach 70 years old, or even 80 years old!

What are the insurances for the elderly, and what insurance is good for your parents, you all need to know.

In fact, it is suitable for all groups of people to buy insurance, because the protection function of insurance is very important for everyone. Before the official introduction, those who are not familiar with insurance can read this article first in order to better understand the following article: Super Complete!

Everything you need to know about insurance is here.

As long as we live, we face the threat of death, disease, accidents and other risks, and once these risks come, they are very big blows to individuals and families. Therefore, we need to reasonably allocate the corresponding insurance, so that when we have accidents, major illnesses and other accidents, we can help us transfer the corresponding economic losses and avoid secondary injuries. If you want to know more about the benefits of insurance, you must take a look at this article:

What are the benefits of buying insurance? A lot of people think too much.

Some friends may feel that buying insurance is the patent of the wealthy in Chazhong, and their economic conditions are average, so they don't need to buy insurance. In fact, this idea is misunderstood, the worse the family's economic conditions, the more insurance protection is needed. If the critical illness insurance is reasonably allocated, and the disease agreed in the contract is diagnosed during the insurance period and meets the corresponding claim standards, then you can get a one-time compensation for the first fee and compensate for the loss of income, so as not to let the high ** fee crush the family.

So no matter what age we are, whether we're poor or rich, we're all losing money and need insurance to protect us. For ordinary people, the senior sister recommends that you give priority to buying protection-type insurance, such as critical illness insurance, accident insurance, life insurance, and medical insurance. For those who don't know much about the above types of insurance, remember to read this article:

What is the difference between critical illness insurance, medical insurance, accident insurance, and life insurance? Will there be a conflict when making a claim?

At what age is the best time to buy insurance?