Which ones are still useful for home insurance?

Extraction code: d2q8 Here are 20 courses of family insurance, including how to buy insurance, what insurance to buy, and how to read the insurance contract, I hope it will be helpful to you.

<> remember that there was a ** before, several people who claimed to be an insurance company, sold insurance to the villagers, and also set up a stage in the center of the village, and invited the troupe to sing, they were like people watching the drama to promote insurance, and they would pretend to sign a contract, telling the villagers that they could insure a lot of items, and explain which ones could be reimbursed one by one, so that many farmers were really tempted.

A few days later, almost half of the families in the village were fooled into buying insurance. However, when it really happens, go to the insurance company, and the insurance company will find a reason to say that it is not suitable here, and it cannot be compensated there, and if you say that the contract states that it is covered, they will tell you that there is a disclaimer at the back of the contract.

When the villagers buy insurance, they will say that many of them can be insured, but some of the details will not be told to the farmers, and in the end, the villagers will suffer a big loss.

Of course, there are still some insurance that is necessary to buy, as I said before, they themselves are **, families with extra money can still choose to buy regular insurance, and it is still very useful when it really happens, such as the following types of insurance:

1. Pension insurance.

If you are not the five guarantees of the elderly or need to receive a subsistence allowance, then it is quite necessary to buy pension insurance, at present pay a few hundred yuan of insurance premiums per month, can be old and retired, a month to receive more than 1,000 yuan, is still good.

2. Medical insurance.

Many people have already sold the benefits of medical insurance, and those places that do not have a new type of rural cooperative medical care can also buy medical insurance on their own.

3. Accident insurance.

Many young people in the village have gone out to work, especially some people are engaged in high-altitude work, the danger is particularly high, if the family has a certain economic ability, farmers must buy accident insurance, after all, there are unforeseen circumstances.

The insurance that is suitable for a family is accident insurance, critical illness insurance, medical insurance, life insurance and pension insurance.

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.

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

Family insurance is an insurance that provides protection for family members such as life, property and third-party liability, and the insurance company is responsible for compensation according to the agreement in the event of an insured accident agreed in the contract during the insurance period, and the common family insurance types include accident insurance.

Medical insurance, critical illness insurance.

Life insurance, home property insurance, family liability insurance. The best way to buy home insurance: critical illness insurance, medical insurance, accident insurance, life insurance.

Families generally need to be equipped with complete types of insurance, and we can protect families with four types of insurance: critical illness insurance, medical insurance, accident insurance and life insurance. Different family members experience different situations, age, physical fitness.

and many other different situations occur, configure the type of insurance.

There will also be a difference.

1. Children's insurance configuration.

Children are naughty and active by nature, but their self-protection ability is not strong when exploring the world, and they often suffer from bumps and burns.

and other unexpected situations, coupled with immature physical development and weak resistance, it is easy to get sick and then run to the hospital, and the insurance for the child should pay attention to the related issues of disease protection. Therefore, it can mainly be configured with critical illness insurance, accident insurance, medical insurance and other products.

2. Insurance allocation for young adults.

For young people who have just come out of college, since entering the society, due to work or other reasons resulting in irregular life and lack of necessary exercise, the body is prone to various problems over time, if the budget is not sufficient, you can buy regular products first, and then buy a whole life insurance after you have enough money.

If your income is not high, it is more important to buy medical-related insurance. Only if you have achieved comprehensive protection, can you be responsible for the family, and under no special circumstances, you can match millions of medical insurance, accident insurance, term life insurance and term critical illness insurance.

According to the allocation principle of family insurance, after determining the type of insurance for people and clans that need protection the most, the choice of product is followed. There are many similar insurance products in the insurance market, and when configuring family insurance, you need to choose according to the protection needs of different family members, and you can plan according to your age, health status and contribution to the family economy, and you also need to take into account the family's economic situation.

When choosing, you can filter from the following aspects.

First, the choice of insurance company.

At present, there are many channels to buy insurance, whether it is to choose to buy online or buy in the first institution, the reputation of the insurance company is very important, and the choice of a company with a good reputation and strong strength has a certain advantage in the future claims.

Second, the choice of products.

The premium, sum insured, and coverage of similar products will also be different, such as the choice of accident insurance, one-year comprehensive accident insurance, the protection period is one year, and the premium is paid once a year, and the coverage is relatively wide. It is recommended that you choose consumer-based insurance, one is low premium, and the other is that the coverage is wide and the insurance amount is also very high. However, it should be noted that if there is no insurance during the coverage period of consumption-based insurance, the premium will not be refunded after the policy expires.

The first step is to buy insurance for the breadwinner of the family. Accident insurance can be given priority to family breadwinners, and it is recommended to set the sum insured at more than 10 times of the annual income. Medical and critical illness insurance are also important considerations for family supporters, and the sum insured should be sufficient when purchasing critical illness insurance.

The cost of which major disease in Chongzhou is less than 70,000 yuan, more than 100,000 yuan or even higher, it is recommended that customers with social security should take 100,000 or 200,000 yuan.

Secondly, choose a suitable insurance plan for the housewife. In addition, housewives can choose women's special disease insurance for special diseases such as breast cancer, cervical cancer, ovarian cancer, female carcinoma in situ, systemic lupus erythematosus nephritis, etc. When purchasing women's critical illness insurance, it is best to choose a longer payment period to spread the risk.

When buying insurance for the elderly, you should first take out accident insurance and then consider health insurance. Because the probability of accidental injury is higher in the elderly than in other age groups, it is important to purchase accident insurance, especially accidental fracture protection.

As your child grows up, choose a suitable accident insurance for your child. When buying accident insurance for your child, it's best to buy a one-year one. Children's health protection should not be neglected, you can choose the right children's medical and critical illness insurance.

Choose critical illness insurance for your child, and the sum insured should not exceed 100,000 yuan. It is advisable to purchase an accident health insurance policy to have both accident and critical illness protection. In addition, if the family is financially well-off, you can purchase a children's education fund insurance for your children when they are young, and save for the education funds of the children's book in advance.

1. Family property insurance: Family property insurance is an insurance product that provides property protection for family members, including property insurance, family health insurance, family accident insurance, etc., 1. Family property insurance: Family property insurance is an insurance product that provides property protection for family members, and its coverage includes the property of family members, such as houses, furniture, household appliances, etc., as well as the property losses of family members, such as fire drafts, storms, etc. Home contents insurance can help protect family members from unexpected losses, thus keeping family assets safe.

2. Family health insurance: Family health insurance is an insurance product that provides health protection for family members, mainly including hospitalization medical insurance, outpatient medical insurance, special disease insurance, etc. Home health insurance can help family members reduce medical bills and thus protect the health of family members.

3. Family Accident Insurance: Family Accident Insurance is an insurance product that provides accidental injury protection for family members, including accidental injury, sudden illness, hospitalization allowance, etc. Family accident insurance can help protect family members from accidental injuries, thereby protecting the health and safety of family members.

In conclusion, home insurance is an insurance product that provides protection for family members, which can help family members resist unexpected losses, thereby protecting the safety of family property, the health and safety of family members.

Housing property and indoor household property. Specific insurance coverage:

1. Self-owned residential houses.

2. Interior decoration and decoration.

3. Indoor family property.

Specially protected property: 1. Non-powered agricultural machinery, agricultural tools and harvested agricultural and sideline products stored in the yard by rural families.

2. Business utensils, tools, raw materials and commodities stored indoors by self-employed workers.

3. Property kept on behalf of others or property shared with others.