Is it better to buy health insurance or financial insurance, and which is better to buy health insur

Health insurance and financial insurance each have their own advantages, and their roles are different, and it is difficult to compare which one is better. However, the senior sister recommends that you buy health insurance first, and then buy financial insurance.

Health insurance includes sickness insurance, medical insurance, loss of disability income insurance, and nursing care insurance. Among them, sickness insurance includes critical illness insurance, cancer prevention insurance, and other disease insurance. Sickness insurance is a benefit-type insurance, once you get the disease agreed in the contract and meet the claim standard, the insurance company will pay a lump sum of money to the insurance beneficiary in accordance with the contract.

At present, environmental problems are becoming more and more serious, the pressure of life is gradually increasing, and the possibility of people getting sick is increasing, although almost everyone has medical insurance, but medical insurance as a kind of social insurance, only protects basic medical needs, can only reimburse part of the cost, and many imported drugs can not be reimbursed, so social security can not cover the various risks caused by health problems.

So, how should we buy health insurance? If you want to know, you may wish to take a look at this article: Is it necessary to buy health insurance? Be sure to pay attention to these routines!

Wealth management insurance is a new type of insurance product that integrates insurance protection and investment functions, and is a new type of life insurance. Wealth management insurance can be divided into participating insurance, investment-linked insurance and universal insurance.

Wealth management through insurance refers to the reasonable arrangement and planning of funds through the purchase of insurance, preventing and reducing financial difficulties caused by diseases or disasters, and at the same time enabling assets to obtain ideal preservation and appreciation.

If you want to buy financial insurance, you can take a look at this list first: Top 10 Financial Insurance Rankings Want to buy high-yield financial insurance? Don't miss out on these 10 again!

Some people tend to ignore their own protection and health, but from the perspective of investment and financial management, this kind of thinking is wrong. From the perspective of the body, health is the greatest wealth, and buying protection insurance is to protect health.

The most important function of insurance is protection, risk transfer, and then the preservation and appreciation of assets. Therefore, the purchase of insurance should be the type of insurance that should be considered for investment and financial management after the basic protection products are configured first.

For those who don't know how to configure the insurance plan, you can take a look here, no matter what age you are, you can find the corresponding plan: how to buy insurance for different ages? Everyone should have their own plan.

If you have not bought insurance before, it is recommended to give priority to buying health insurance, because financial insurance is more focused on financial management, and personal protection is not as strong as health insurance.

It depends on which point you value more, if health is very important to you, you can choose the former, of course, if your purpose is to get better benefits, the latter will be a good choice. Fortune fans remind you: for investment, you need to choose carefully in order to get good results.

Health insurance refers to the insurance provided by commercial insurance companies to provide certain economic compensation for economic losses caused by health reasons to the insured, including sickness insurance, medical insurance, disability income loss insurance and nursing care insurance. Medical insurance generally refers to basic medical insurance, which is a social insurance system established to compensate workers for economic losses caused by the risk of disease. One is commercial insurance and the other is social basic medical insurance, which have complementary roles.

Friendly reminder that health insurance is commercial insurance, and he can supplement medical insurance, that is, the part that cannot be reimbursed by social basic medical insurance, for "secondary reimbursement". Therefore, you can buy a commercial health insurance for yourself at the same time as improving medical insurance to provide better health protection.

Health insurance is a big idea, including critical illness insurance and medical insurance.

Under normal circumstances, priority is given to the allocation of critical illness insurance and long-term insurance, and then medical insurance is used as a supplement.

Consult your own ** people in detail for effective and practical planning and selection.

Health first, wealth second.

Which is the best health insurance? The basic sum insured should be appropriate, depending on the physical condition, family medical history, and the nature of the job. The trick to purchasing health insurance properly is also to know how much medical care will cost if you have a current illness.

The policy should be adjusted every three to five years, and people should pay attention to opening their own insurance policy to check whether it is necessary to increase the sum insured, and make some appropriate adjustments according to the changes in family personnel and economic conditions.

It is better to buy long-term insurance than to pay for annual insuranceLong-term health insurance is generally paid evenly every year according to the corresponding rate of the year you start the insurance. The younger the policyholder, the lower the premiums to be paid. It is better to pay the premium annually, although there will be some ** discounts on the one-time payment, but the premium of health insurance is still better to pay annually.

Extended reading: [Insurance] How to buy, which one is better, teach you to avoid these insurance"pits"

In my opinion, a good life insurance should be able to meet at least four needs of people.

The first is to meet people's compulsive savings needs. For people to resist the risk of funds in life, they will not be spent because of lavishness, and they will not lose their money because of credulity, so that people can prepare for a happy life in advance.

The second is to provide financial protection for the insured in the event of illness and disability. It can offset some of the risks of sudden illness and accidents, so that people don't have to live in a difficult situation due to loss of income**.

The third type of distraction is to provide people with a channel for maintaining or increasing the value of their funds. Some people don't know how to manage money or don't want to manage money, life insurance can help keep their assets from shrinking due to inflation.

The fourth is to provide livelihood security for the elderly. People retire in old age without a normal income, but they still need to spend. If there is not enough living expenses for old age, it will be difficult to maintain life, life insurance can provide a basic life security for the elderly, so that the elderly can enjoy their old age in peace.

A few days ago, I was suddenly swiped by Ping An's "Xiyue Life", which won the Innovation Award, which is the life insurance category mentioned by the subject. I also wondered, is it really that good? So I learned about it, and it seems to be okay.

Every year on the policy anniversary, customers can receive dividends and savings from insurance companies to meet people's compulsory savings needs and economic security needs. Taking into account the pension problem of the elderly, Xiyue Life has increased the pension amount to 30% of the insured amount, which is still very humane and meets people's pension needs. If the customer is not willing to receive the survival fund, pension and dividends, these funds will be automatically transferred to Jucaibao, daily interest, monthly compound interest, Jucaibao in recent years The annualized rate of return is about 5%, and the highest is as high as 16%, which meets people's asset appreciation needs.

Extended reading: [Insurance] How to buy, which one is better, teach you to avoid these insurance"pits"

Health insurance mainly includes the following types of insurance:

1.Medical insurance, when the insured is sick and goes to a medical institution for medical expenses, the insurance company will give a certain amount of reimbursement;

2.Sickness insurance, which protects the insured if he suffers from a contracted illness, he can get the insurance money settled;

3.Disability income loss insurance, also known as disability insurance, refers to the loss of working ability due to illness or accidental injury as agreed in the insurance contract as a condition for the payment of insurance benefits, so as to provide protection for the reduction or interruption of the insured's income within a certain period of time;

4.Long-term care insurance refers to the other conditions for the payment of insurance benefits due to the need for nursing care due to the impairment of daily living ability agreed in the insurance contract;

5.Other health insurance.

Health insurance in the market is generally divided into: medical insurance, sickness insurance, income protection insurance, and long-term care insurance. As for which health insurance is better to buy and how to buy health insurance, it is recommended that: first, regardless of age, the first thing to do is.