Buy insurance for the pillars of the family, what insurance is good for the pillars of the family

Hello! When buying insurance for the breadwinner of a 30-year-old family, you must first consider accident insurance, then health insurance, and finally pension insurance. The specific description is as follows:

At this age, the pillars of the family are almost all burdened with various economic pressures such as supporting both parents, raising children, or repaying mortgages and car loans, and the probability of accidents also increases with the intensity of work pressure. The sum insured is generally recommended to be 5 to 10 times the annual income, which can also ensure the financial stability of the family for at least 5 years in case of an accident.

The family breadwinner, daily work and life pressure, health problems are quite concerning, so it is necessary to purchase a suitable health insurance, especially critical illness insurance. The amount of insurance can be appropriately increased, or the intensity of insurance can be increased, generally not less than 300,000 yuan. From the perspective of annual payment method, you can consider choosing to pay the annual fee for 20 years, so that the annual premium is not expensive.

This is basically affordable for ordinary working families.

The breadwinner of the family also needs to consider endowment insurance after improving the basic security, so that he can give himself a happy life in his old age in the future.

The subject's question, to buy insurance for the breadwinner of the family, it is recommended to consider buying critical illness insurance, million medical insurance, life insurance and accident insurance. As for why the pillars of the family are equipped with insurance in this way, the senior sister will explain to you.

1.Critical illness insurance and million-dollar medical insurance.

Physical health is essential for everyone, and it is naturally suitable for people who are the breadwinners of their families. Medical insurance is mainly used to solve the problem of medical expenses for the insured, while critical illness insurance can not only be used to cover medical expenses, but also provide economic security for the insured after recovery, and even can be used to make up for the loss of income during illness.

2.Life. Generally speaking, the people who are the pillars of the family are basically in a state of old and young, in addition to supporting themselves, they also need to bear the burden of the family; In the unlikely event of the death of the breadwinner, the family may collapse and may even have to take on some debts.

Life insurance, on the other hand, plays the role of replacing the pillar of the family, and when the insured dies in an accident, it can at least provide the insured family with a financial guarantee, so as to maintain the normal operation of the family in the future. Therefore, life insurance is really very suitable for the breadwinner of the family.

According to the different protection periods, life insurance is divided into term life insurance and whole life insurance, if you have friends who have questions about this, read this: What is the difference between term life insurance and whole life insurance? Senior sister will tell you in one article!

3.Accident insurance.

There is also accident insurance, mainly considering that accidents are everywhere and can happen at any time.

Just like the medical expenses caused by accidental falls and accidental fractures in daily life can be reimbursed proportionally, the important point is that the premium of accident insurance is also relatively cheap, and it is worth insuring the breadwinner of the family.

The insurance that the breadwinner of the family should purchase is as follows:

1. Term life insurance.

Life insurance is the embodiment of love and responsibility, the life of an adult is not easy, if unfortunately an accident dies, the life of a family, housing loans, car loans are not solved. At this time, if there is life insurance, it can help solve this problem, children have money to go to school, and parents have money to enjoy their old age safely.

2. Critical illness + medical insurance.

Although there is a national social security backing, in the face of major diseases, drugs with good efficacy, social security generally cannot be reimbursed, and medical insurance must be relied on to solve the problem of large and small hospitalization expenses. In addition, if you are unable to work for 3 to 5 years after suffering from a critical illness and have no financial income, the lump sum payment of critical illness insurance can support the basic life of the family. Critical illness insurance can solve the problem of family expenses during illness**, and the amount of critical illness insurance is more than 3 times of annual income.

In this way, the protection will be more comprehensive, and you can feel at ease even if you get sick**.

3. Accident insurance.

Now there are more and more people with cars, there are more opportunities to go out, and the probability of accidents has greatly increased, and there is an accident insurance covering accidental medical treatment + total disability + death protection, which is a more reassuring choice for families, parents, and themselves.

Test your anti-risk index, experts will interpret it for you for free!

The pillar of the family is usually the main person responsible for the family economy, and it is more important to buy insurance for the pillar of the family, and you can give priority to social medical insurance, such as employee medical insurance, resident medical insurance, and NCMS, and then consider buying millions of medical insurance, accident insurance, and critical illness insurance.

When considering the type of insurance, consumers must make a rational choice based on their actual needs and economic conditions, and cannot be blind.

According to the principle of protection first and then financial management, it is better to give priority to the protection insurance such as critical illness insurance, million medical insurance, term life insurance and accident insurance for the pillars of the family.

For those who don't know much about the above four types of insurance, you can take a look at this article first:What is the difference between critical illness insurance, medical insurance, accident insurance, and life insurance? Will there be a conflict when making a claim?

First of all, the pillar of the family is the economy in the family, supporting the whole family. In the unfortunate event of death, the entire family's finances are likely to be cut off. Therefore, it is necessary to purchase a term life insurance policy for the breadwinner of the family to help transfer the financial risk caused by the unfortunate death.

Second, they are also at risk of disease. Many family members are facing the dual pressure of family and career. In addition, frequent behaviors such as staying up late and working overtime, dressing up for banquets, etc., will increase the load on the body.

For a long time, the probability of this group of people getting sick is quite high.

If you are unfortunate enough to fall ill, you may not be able to continue working, and your family's financial income will be affected. And you must know that the cost of suffering from a serious illness is not low.

Million medical insurance is a reimbursement type of insurance, which can reimburse the medical expenses incurred by serious illnesses, and the maximum amount of money can be reimbursed. Critical illness insurance is a benefit-type insurance, and its claims can not only be used to make up for the loss of economic income during the insured's illness, but also can be used for the insured's subsequent medical expenses and living expenses.

Therefore, with millions of medical insurance and critical illness insurance, to a certain extent, it can help transfer the economic risks caused by the disease.

In addition, the risk of accidents cannot be ignored. Most of the breadwinners of the family are office workers, who commute to and from work every day in a variety of modes of transportation, surrounded by the risk of accidents. Therefore, it is also necessary to buy accident insurance. Hope.

If the family pillar buys insurance, you can consider buying critical illness insurance, medical insurance, accident insurance and life insurance, and if the family pillar still has pension plans, you can also consider buying a wealth management insurance.

1. Critical illness insurance.

Critical illness insurance is used to insure against critical illness, and if the insured suffers from a disease specified in the insurance contract and meets the conditions for claims, the insurance company will compensate for the amount of insurance money that should not be paid.

The breadwinner of the family is the main economic support of the family**, once the illness falls, the normal life of the whole family may be greatly affected, so critical illness insurance can be given priority, with comprehensive protection and considerable compensation.

A comparison table of 136 popular critical illness insurances in China

2. Medical insurance.

Medical insurance mainly reimburses the medical expenses of hospitalization, and usually as long as the medical expenses incurred by hospitalization can be reimbursed.

For example, if the breadwinner of the family is hospitalized due to illness, accident, etc., most of the expenses incurred can be reimbursed, which is still very good.

The latest top 10 million medical insurance rankings are newly released!

3. Accident insurance and life insurance.

Accident insurance mainly covers the insurance caused by accidents, for example, if the insured dies due to an accident, the beneficiary can receive corresponding compensation. For families who are running around for life, accident insurance is also necessary.

Life insurance is mainly for death, but it covers a wider range of death, whether the insured dies due to an accident, illness or other circumstances, the beneficiary can basically be compensated.

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

That's all there is to it, hope.