I want to buy insurance for the whole family 10, I want to buy insurance for the whole family

Hello! Congratulations, you have a very good financial concept! After reading your introduction, I can give you the following advice:

1.You and your sister are very young, and what you need most is accident insurance and critical illness insurance with a higher amount. What is the amount of insurance in your existing Agricultural Bank of China, and if it is not high enough, it needs to be supplemented.

2.Does your whole family have social security? You can supplement some medical reimbursement type insurance, so that even if there are high medical expenses, the insurance company will cover it for you.

3.Your parents don't need to be borne by you at the moment, but can you make sure they have a good quality of life after they reach the age of 80? Insurance is a real commitment to life, guaranteeing that life will not be changed by unexpected events in a few years.

Therefore, it is recommended to supplement the pension products for your parents, not to say that they will rely on it in the future pension life, but to give them the most reliable pension guarantee.

And you and your sister, I suggest that you consider supplementing the pension insurance around the age of 30.

4.If you still have extra funds, it is recommended that you consider some investment products, of course, this must be based on the established protection, you can consider investment-linked insurance products.

You are very risk-aware, have your own awareness of family risks, and know what you need.

Guarantee products, very good. However, the information you provide is limited, and I can't give you a plan, only.

First of all, you need to determine your annual income for the last year, and at the same time, you need to find another job right away.

Secondly, I wonder if your sister is still in school and when she will graduate? It is advisable to consider your sister's.

The insurance is mainly consumption-based, and the insurance period is 3-4 years, and the insurance is one year after your sister joins the work.

He will need to prepare for his own security in the future. The protection is mainly based on the consumption of cancer insurance + accidental medical insurance.

200,000 for cancer + 200,000 (accident) + health insurance. The annual premium budget is estimated to be around 1000 per year.

Third, do your parents currently have social security? Whether the parents have built up a life for themselves in old age.

A dedicated critical illness protection account? If you consider the serious illness of your parents, you will be 100,000 yuan per person according to the age of 48.

Critical illness protection, with an annual deposit of about 13,500, parents can get comprehensive critical illness protection until the age of 80.

At the same time, you can take out 2,000 yuan a year to give your parents some accident and supplementary social security insurance, so that you can do it big and small.

Illness does not cost money, and large and small accidents can be covered in a comprehensive and comprehensive protection.

In this way, the budget is about 10,007. It should meet your requirements.

At the same time, due to different locations, all insurance companies offer different products, and there may be differences in rates.

We hope that you will provide the following locations for local professionals to advise you.

Family Accident Insurance is a family accident insurance, family accident insurance provides accidental death, disability, accidental hospitalization allowance and high aviation accident protection for family members (spouse and children are automatically covered anonymously), a comprehensive protection plan for the whole family, to protect themselves, their spouse and children from accidental injuries in work and life, and also provides outpatient and inpatient medical insurance, as well as accidental hospitalization income compensation, as well as 24-hour ** medical consultation, hospital special outpatient appointments and other services.

For family accident insurance, you can purchase targeted insurance products for family members, such as children's accident insurance, elderly accident insurance, and women's accident insurance. It is also possible to purchase insurance products that are specifically designed for the whole family, and there are also related products in the insurance market.

For example, Chinese Life and Ping An of China launched such as eFamily Portrait Insurance Plan and Ping An Family Comprehensive Insurance, which are typical insurance products for the whole family with one policy. The advantages of accident insurance are obvious: low premiums and a wide range of coverage, which can basically meet the protection needs of ordinary families. Family accident insurance can be purchased separately or as a comprehensive protection plan.

However, comprehensive protection plans are generally more cost-effective.

Sum insured. Accidental death and disability insurance benefits of 30,000 yuan per person;

Accidental hospitalization allowance of 30 yuan per person per day (3 days deductible, limited to 180 days);

Aviation accident death and disability 300,000 yuan per person.

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

There are pros and cons to buying insurance for the whole family in one family, and the good or bad should be judged according to the actual situation of the family. Buying all the insurance in the whole family is conducive to meeting the preferential policies of the insurance company and purchasing insurance at a more affordable price. At the same time, purchasing in the same insurance company means that it is convenient to operate, which is conducive to the adjustment and management of insurance, and the choice of insurance purchase plan that can complement each other.

However, an insurance company's insurance may not be able to best meet the insurance needs of individuals in the family, and individuals have less room for insurance choices and are not flexible enough, which may not be conducive to better protection of personal interests.

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

Although you can buy all the insurance for the whole family in one place, the product you buy is not necessarily the most cost-effective.

Because according to different ages, the insurance products required are also different, maybe this insurance company's children's critical illness insurance is better, but in terms of medical insurance, it may not be as good as others.

Therefore, the senior sister recommends that you shop around, compare and compare the excellent products on the market, and then decide to buy.

Next, the senior sister will continue to tell you what kind of insurance products are needed at different ages.

First of all, there are children.

The child's body resistance is weak, and some diseases will inevitably occur in the process of growing up, and go to the hospital for treatment**. In addition, when exploring the outside world, it is easy to neglect to protect yourself. Therefore, the insurance products that children need are children's critical illness insurance, children's medical insurance, medical insurance and accident insurance.

Parents who don't know how to buy insurance for their children, you can also take a look at this article for reference: In-depth article - how to buy insurance for children? Netizens shouted: Why did you only see it now.

The second is the adults.

Although adults are more resistant, they are still at risk of suffering from diseases. In addition, as the breadwinner of the family, he also bears the financial risks of the family. Term life insurance can transfer the family financial risk borne by the family breadwinner, and in the unfortunate event of the insured's death, there is also a life insurance benefit that can be left to the family to continue their love and responsibility for the family.

Therefore, the insurance that adults need is critical illness insurance, medical insurance, accident insurance and term life insurance.

Finally, there are the old people.

Since the purchase of critical illness insurance after the age of 50 may cause the premium to be inverted, the critical illness protection of the elderly can be replaced with cancer insurance. While cancer insurance only covers cancer, critical illness insurance has more lenient underwriting and a wider age range.

In addition, the elderly are generally not the breadwinner of the family, so there is no need for term life insurance. The insurance products needed by the elderly are generally cancer insurance, accident insurance and medical insurance.

If you also want to know more about what kind of elderly insurance you have, you can take a look at this: What are the [old people's insurance] and what insurance is good for your parents, you all need to know.

That's all I have for this issue, I hope it helps!

1. Who to buy?

1 Buy insurance for the person with the highest family income first, because if he is fully protected, it means that the life of the family is ***. 2. Buy an insurance policy for people with poor welfare in your family, and try to avoid spending a lot of money to see a doctor. 3 Other members can be equipped with appropriate insurance according to their family income.

2. What is the order of purchasing insurance?

The first step is traditional protection insurance and family critical illness insurance; The second level is the children's education fund insurance; The third level is the adult pension insurance; The fourth level is investment insurance products such as universal insurance and investment-linked insurance.

3. How much is appropriate?

1 From the perspective of premium expenditure: the total insurance premium for protection and critical illness should be controlled between 5% and 20% of the family income, which has a certain relationship with the family income, and the proportion of the family is different at different stages. 2 From the point of view of the amount required:

The amount of coverage can cover major future family expenses: loans, children's education, parental support, and basic living expenses for a spouse, but can be subtracted from existing savings. Amount of serious illness:

It is recommended that each family member should have their own independent critical illness insurance amount of 300-500,000 yuan in order to basically cover the expenses of critical illness.

4. What products are more suitable?

1 Protection products such as term and whole life insurance. 2 Critical Illness Insurance. You can choose universal insurance with critical illness, and it is recommended that people before the age of 45 consider this type more.

Traditional savings critical illness insurance is characterized by slightly higher costs, which is recommended for people after the age of 45. 3 Pension insurance. Universal, lifelong pension, and investment-linked insurance can be configured in a certain combination.

Women live longer, so it's more worth paying attention to. 4 Education Insurance. Participating insurance, universal insurance, and investment-linked insurance are all objects that can be selected, and can be configured independently according to needs.

5. When to buy?

Life needs insurance to protect you, and the sooner you buy it, the better.

6. Who to buy?

Find an insurance company with a good reputation and relatively mature operation.

First of all, you need to improve personal protection, you can buy accident insurance, health insurance, life insurance and other life insurance products. Accident risks are everywhere, once they occur, it will have a greater impact on the family, so it is necessary to buy an accident insurance to avoid risksSecondly, health problems have always been the focus of people's attention, in order to avoid the risk of disease, you also need to buy a health insurance In addition, the price of **, family expenses are increasing, and you should buy a life insurance to increase the value of your property. When the whole family buys insurance, it is necessary to pay attention to the priority of improving the protection of the family pillar person, and the amount of insurance should be high, and when insuring health insurance for them, the critical illness insurance should be the main focus, and then the protection of housewives should be paid attention to, and the protection of critical illness, medical treatment, hospitalization allowance and other protection can be focused on, and finally the protection of the child, after improving the child's accident and health protection, you can buy an education fund insurance for the child to protect the child's future education.

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