I, male, 45 years old, want to buy a critical illness insurance, how to buy it

Precautions for purchasing insurance:

1. Choose the right type of insurance.

Priority will be given to the three types of insurance that have a greater impact on oneself and family in the event of death (life insurance), accident and critical illness; secondly, pension, etc.;

2. Determine the amount insured.

When these three types of risks occur, how much compensation is needed, and the family's economic life will not be greatly affected;

3. Determine the duration of the guarantee.

According to the personnel structure of yourself and your family, the stage of life, consumption habits, budget, etc., decide whether to buy fixed-term products, or lifelong or long-term products. (If you're on a budget, be sure to think about the near future.) ）

Take critical illness insurance as an example: pay attention to the following points:

There are various types of critical illness insurance, and only those that meet your actual needs, are cost-effective, and have good claims services are the first choice. ）

1. According to the duration of the insurance: regular and lifetime;

2. The impact of the payment on other types of insurance: early payment (after payment, the amount of death and other benefits will be reduced accordingly) additional payment (death and other liabilities will not be affected);

3. Number of payments: single, two, three, four, etc.;

4. Waived: Waiver of late premium for mild illness and waiver of late premium for critical illness;

5. Observation period: whether life insurance is the same as critical illness insurance, and some life insurance (death) has no observation period;

6. The ratio of additional benefits for individual diseases, the duration of protection, and the scope of diseases (this article is more greasy, so you must pay special attention to it). Wait.

1.The range of choices is relatively wide for the appropriate age of purchase.

2.The premium should be 10%-15% of the annual income, and the sum insured should be set at 6-10 times the annual income. However, it should be analyzed on a case-by-case basis.

5.Under the premise of social security, plan commercial insurance, with a focus on accidents and critical illnesses. Social security and commercial medical insurance, can not be reimbursed repeatedly, remember.

6.At the same time, pay attention to the security of family members, protect the people around them as much as possible, and achieve comprehensive family protection, otherwise the protection is unbalanced, and the meaning of protection will be missing.

7.It is important to prioritize the protection of the main income earners of the family as much as possible.

8.Recommended: Ping An Talisman Participating Insurance, Ping An Outsmart Life Universal Insurance, Ping An Fu Whole Life Insurance.

9.My personal advice is to communicate extensively and effectively with ** people, after all, face-to-face communication is the most direct and effective. If necessary, you can also directly call the customer service of the relevant insurance company** for verification and consultation.

Hello, click on my avatar and I can recommend it to you.

At the age of 45, you should choose critical illness insurance according to the application requirements, sum insured, coverage coverage, coverage period and exclusion terms.

1. Insurance requirements: Choose critical illness insurance that meets the insurance requirements, if there is an abnormality in the body, it is best to choose an insurance with relaxed health requirements.

2. Sum insured: According to the family's economic conditions and the needs of serious illness protection, consider the possible loss costs, and choose the appropriate amount of insurance, usually at least 300,000 yuan.

3. Coverage of coverage: The more high-incidence critical illnesses covered, the better, and the priority of common diseases in children can be protected, the more reasonable the grouping of multiple claims, the better, and the shorter the interval, the better.

4. Protection period: Try to choose an insurance period that can cover the entire risk period and provide full protection.

A 47-year-old man can do it if he wants to get comprehensive protection by paying about 3,000 yuan a year, but the amount of insurance is not good (the amount of insurance is low) and does not play a big role. However, if you want to achieve protection, the comprehensive sum insured is moderate, and the annual premium of more than 3,000 is simply not enough. There are two scenarios for reference:

First, a variety of major diseases of the regular type. Pros:

There are many diseases and wide coverage. Disadvantages: It is only a part of the protection of one disease, not all of them.

Second: highly targeted critical illness (can only be term insurance). For example, it is specifically for carcinoma in situ and malignant tumors.

Carcinoma in situ and malignancy are collectively referred to as cancer, and there are also cancer-specific ones. Advantages: It only targets one or two diseases, but the probability of occurrence of this disease ranks before all major diseases.

Contains all species of this disease. Disadvantages: Not guaranteed for life.

Commonality: The above two products are generally guaranteed until the age of 70, and the compensation for illness before the age of 70 is paid, and the premium will be refunded if there is no illness until the age of 70. The payment period is more than 15 years, the annual premium is about 3,000, and the sum insured is about 50,000.

If the economy is relaxed, and considering that the future income will go up, it is recommended to buy two products together. Or consider one or the other first, the two products have different focuses and can only be chosen according to your father's physical condition. Accident insurance must be considered when purchasing one, but the focus should not be on high death benefits, but on high accidental medical treatment.

As far as I have seen, I think the following two types can be considered: one of the products: the Kangning regular of Chinese Life; Product 2:

Prudential Life's Carefree Cancer Insurance Plan.

A 45-year-old person is the breadwinner of the family, but his physical condition is not as good as when he was younger, and he is in great need of protection. Although the premium of critical illness insurance is more expensive, it is still necessary to buy it as soon as possible within the affordable range. If you miss the purchase period of critical illness insurance, you can only settle for the next best thing, medical insurance and cancer insurance.

In fact, you can still buy critical illness insurance at the age of 45, and most online critical illness insurance is insured at the age of 0-55 years old, and there is still a lot of room for choice when you apply for insurance at the age of 45. It's just that the premium is more expensive, and there will be more restrictions on insurance, and compared with young people, the cost performance will be a little lower. Therefore, it is recommended that if economic conditions permit, it is still necessary to allocate critical illness insurance as soon as possible.

From the perspective of premiums, although it will be more expensive to apply for insurance at the age of 45, the leverage ratio is still not low compared to the cost of 30-500,000 yuan for critical illness. If you are really on a tight budget, you can also buy a fixed-term one first, such as staying until you are 70 years old, to reduce financial pressure. Buying the right insurance is a kind of protection, and you must consult clearly before buying insurance.

If you are afraid of being cheated and expensive when you buy insurance, it is recommended that you take a look at this first: avoid pits! 90% of the problems that people will encounter when buying insurance are related to them

Hello! Commercial insurance, which is more suitable for the protection needs of middle-aged and elderly people in high age groups, is mainly accident insurance, health medical insurance and commercial endowment insurance. It should be noted that for 51-year-old men, the premium of commercial endowment insurance is relatively high, if the economic conditions are relatively insufficient, it is recommended that you choose carefully.

Accident insurance and health medical insurance suitable for 51-year-old men, here, Huize.com suggests that you can refer to Huize's "elderly care" health care series products, according to the needs of the old brother Zen people, divided into short-term health medical protection, long-term health medical protection and high health medical insurance, critical illness accidents are covered, Ying Chensui is very in line with the protection needs of 51-year-old men.

I'm happy to answer your questions, and if you're still confused, feel free to continue to ask me, check out my space, or interact with them through hi.

To put it bluntly, anyone who buys insurance will feel the same way as you.

Because insurance is usually a piece of waste paper, but if something happens, it is very likely to become a life-saving line.

For this age, of course, medical insurance is the main focus, that is, as long as there is a healthy body, pension, investment income, etc., there is a meaning to enjoy.

First of all, the order of purchasing insurance is: you must first protect the product, including 1, consumption (accident insurance, term life insurance, etc.); 2. Accumulation type (whole life insurance, comprehensive insurance, etc.). Then there is medical insurance (general medical care, serious illness medical insurance, etc.), endowment insurance, children's education funds, investment dividend products, etc.

At the same time, the order of purchase of the family is: 1, the economic pillar; 2. Your lover; 3. Family members without financial income, such as children, the elderly, etc.

Secondly, the principle of purchasing insurance is based on social insurance, and it is better to add appropriate commercial insurance as a supplement.

Directly speaking, as people age, their body's resistance is inversely proportional, and their ability to resist related risks is relatively weak.

Third, insurance follows the "high loss priority principle", that is, if a risk accident occurs infrequently, but the loss is serious, priority is given to insurance.

The expenditure of its insurance costs is generally about 10---20% of the annual income, and it is best not to exceed 20%, that is, to use 10% of the funds to preserve 100% of their assets.