May I ask which type of insurance is suitable for Chinese life at the age of 55?

Chinese Life's Xinfu Nian Nian financial insurance is the first choice, and if you want health insurance, you should buy cancer insurance.

Hello, you can buy Xinfu every year.

If you buy a pension, you will buy China Life "Xinfu Niannian". Including those who are seriously ill, buy the national life "Da Ruixin Collector's Edition" Xin account. Best for you.

The Chinese life of Xinfu every year.

Chinese Life Insurance is currently the largest life insurance company in China, including a wide range of insurance. Next, let's take a look at its main types of insurance, and if you are anxious, you might as well take a look here:"An article tells you how the life of the Chinese people is, and what types of insurance are mainly included".

At the age of 55, it is recommended to buy pension insurance, but it is recommended to learn more about pension insurance before making a choice

First, the main types of life insurance for Chinese

(1) Health Insurance:Our common critical illness insurance, medical insurance, etc. are all health insurance, and Chinese Life has launched a wide range of health insurance products, and the critical illness insurance represented by Corning has attracted a batch of customers.

(2) Term Life Insurance:The term life insurance products provided by Chinese Life are relatively rich, so consumers have a broader space to make better purchases.

(3) Accident insurance:(4) Financial insurance:The biggest characteristic of financial insurance is that it has both protection and financial management functions.

The participating insurance products launched by Chinese Life in the industry are recognized as the mainstream by the industry's financial insurance.

(5) Endowment insurance:Old-age insurance can ensure the basic living needs of the elderly, and Chinese Life provides various old-age insurance products to provide comprehensive old-age security for the public.

(6) Children's insurance:The vast majority of Chinese life insurance is also participating insurance, which provides medical and other health protection for children at the same time, as well as education funds and other benefits.

After knowing so much, I think there must be friends who are interested in life insurance products, and I am already ready to be considerate:

Second, the main products of Chinese Life

If you want to read on, you might as well poke here:How much do you know about the top seven [Chinese Life] insurance products in terms of cost performance? 》

Chinese Life Insurance Company is a large insurance company in China, with a relatively rich variety of insurance. But we have to choose any product according to our actual needs. Hope!

If you need: critical illness insurance, buy Corning for Life (2012 Edition); In order to prevent cancer, buy China Life cancer prevention disease insurance; Accident insurance, just buy it'

In order to protect our wallets, we can purchase return-to-principal cancer insurance.

It is appropriate to buy mild symptoms, mild symptoms are minimally invasive, and additional inpatient medical treatment will be reimbursed for colds

I recommend buying pension insurance and receiving a pension in the same year.

Hello: At this age, it is more affordable to buy a health insurance, and the golden life of Pacific Insurance can protect illness, life, old age, increase, and exemption, you can learn about it.

Hello, you can buy cancer insurance for your health, and buy Xinfu for the elderly.

Pacific health insurance covers 60 major illnesses, 12 minor illnesses, accidents, pension conversion, dividends, and premium waiver. With a risk in hand, a lifetime of happiness and a worry-free life!!

Hello. It is no longer suitable to buy participating insurance at the age of 55, and the premium for buying critical illness insurance is also very high. Taikang has an elderly cancer insurance designed for the elderly, with low premiums and high protection.

Pacific Insurance's Silver Health and Health Cancer Prevention Insurance focuses on caring for the healthy life of elderly friends.

Ping An Life's Wisdom and Joy Life.

Chinese Shou Da Ruixin takes care of serious illness, accidents, financial management, pension, six gold in one, very suitable for the elderly.

Cancer insurance for the elderly, medical examination is required at this age.

See what you need? Sickness insurance is also financial pension.

Darui Xinbao is more comprehensive and suitable for middle-aged and elderly people.

Accident & Accident Medical, Inpatient Medical.

Sunshine Insurance has an exclusive cancer insurance for the elderly, with high insurance age, no physical examination, and premium rebate.

Dear customers, hello. You just happen to be able to buy a critical illness, you can't wait any longer, I'll give you a plan.

Hello, pension financial insurance is the most suitable, you can add or call to learn more.

A safe outwitting life can be considered.

Hello, what needs protection is still financial management.

Hello, you can consider Xinfu every year.

The suitability of an insurance product is inseparable from the age of the insured. Young people aged 0-30 are recommended to take out critical illness insurance, medical insurance and accident insurance; People aged 30-50 are recommended to allocate critical illness insurance, life insurance, accident insurance, and medical insurance. Last night I put together a list of popular insurance plans for all ages:

Popular insurance points for all ages。You can take a look.

Under the age of 45, it is recommended to give priority to critical illness insurance, medical insurance and accident insurance. Seniors over the age of 60 can replace critical illness insurance with cancer insurance.

How to buy insuranceCritical illness insurance, medical insurance and accident insurance are important for those between the ages of 0 and 20

How do I buy insurance for someone under 20 years old? Before college, you are in the period of physical and mental growth and development, and it is inevitable to get sick during the growth process, so you must configure a medical insurance; In addition, there will be more accidents in the child's growth stage compared to the age of other stages, so it is also necessary to purchase accident insurance; Of course, it is also essential as a critical illness insurance that is more cost-effective the sooner you buy.

People between the ages of zero and 30 choose critical illness insurance, accident insurance, and medical insurance

How do you buy insurance in your 20s? 20 years old 30 years old, has reached the age of their own responsibility, at this time the body is young, the spirit is good, is the future of parents, the hope of the family, but also to face the pressure of survival, so it is recommended to buy short-term critical illness insurance + one-year accident insurance + million medical insurance, the total cost will not be too expensive, a month is only a few dozen, it can be considered, in line with this age group of friends can read the answer of the senior sisterA trick to teach you to buy a cost-effective business insurance for your 20sYou can take a look at this article.

People in their 30s to 50s are recommended to consider critical illness insurance, life insurance, accident insurance, and medical insurance first

How to buy cost-effective insurance in your 30s? At this time, buying insurance is more for your family than yourself. Middle-aged work pressure and life pressure are very high, and the probability of illness is naturally very large, critical illness insurance and medical insurance can provide adequate protection for illness; In the unfortunate event of an accident, accident insurance and life insurance can buy peace of mind for the future of yourself and your family.

As for how to choose the right insurance, don't spend too much money, the key is to choose the right insurance product.

Comparison table of 136 popular critical illness insurances in China (including the detailed list of insurance for each age group).

The insurance allocation of the 50-year-old is mainly "critical illness + medical + accident", but the premium of critical illness insurance is more expensive, depending on the personal budget choice. If you want comprehensive protection, you can choose cancer insurance to pass on the risk of cancer, and then combine it with medical insurance and accident insurance.

Buying Chinese Life Kangning Universal, both to protect against serious illness and accidents, let me get older and more valuable

Ruyi accompanied the winner! The perfect combination!

1 health insurance, 2 accident insurance, 3 cancer insurance, 4 financial management can be, depending on which part you pay attention to.

Buy cancer insurance, China Taiping's silver hair worry-free payment is low and good protection. The value of your consideration.

Chinese Shou's "National Life Fu".

Xinfu winner, financial management ten accident protection, only pay five years, ten years to return the principal.

Hello! I am from China Life Insurance, and I think that at our age, we should first consider buying health insurance (that is, medical insurance), and secondly, we should follow our ability to buy financial insurance (that is, pension insurance)!

Critical illness, accident, and medical treatment can all be bought.

At the age of 50, you have to buy a critical illness, an accident, and a pension.

Health and pension must be considered, and it is an accident.

Taikang Health is 100% protective for you for decades to come.

Cancer insurance has low premiums, high coverage, and no medical examination.

Buy according to health first, buy after retirement.

Hello. Health first, then retirement.

Hello: Ping An Universal Insurance is also very good.

You can buy Taikang's comfortable life. 72 diseases.

Wealth Management Products! Accident Insurance! There is also cancer insurance.

At the age of 50, you can buy cancer insurance for the elderly.

Hello! When buying insurance at the age of forty-five, you should choose it according to your own needs, but generally speaking, accident insurance, medical critical illness insurance, pension insurance and other types of insurance should be considered. Here's a look at the plan:

1. Accident risks are everywhere, and at the age of forty-five, you are in the stage of "old and young", once you are in danger, it will be a heavy blow to yourself and your family, and it will cause a certain economic burden. To do this, you need to buy an accident insurance with the right amount of insurance to hedge against the risk. If you frequently travel by various means of transport, you should choose a comprehensive accident insurance; If you are the breadwinner of your family, the sum insured should be set at about 10 times your annual income.

2. Disease has become a major killer of human beings, and the age of 45 belongs to the stage of struggle, and it is easier to suffer from diseases due to stress, irregular work and rest, etc., so it is necessary to buy a health insurance. If the economic conditions are good, you can buy returnable health insurance; If you have average economic conditions, you can buy consumer-based health insurance, focusing on critical illness protection and hospitalization allowance.

3. In the current environment, if the health protection of the limbs and the head of the limbs has been improved, if the 45-year-old person wants to make the quality of life of his old age more secure, he must buy an endowment insurance as soon as possible to avoid hunger and avoid the dilemma of being helpless for the elderly.

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

Chinese Life has critical illness insurance, cancer prevention insurance, medical insurance, accident insurance, life insurance, pension insurance and other products. If you are 55 years old and want to consider taking out critical illness insurance (or cancer insurance), medical insurance, and accident insurance from the perspective of protection.

Of course, how to choose and match it needs to be analyzed on a case-by-case basis.

Next, the senior sister will give you a detailed explanation.

First of all, we should consider the risk from the perspective of buying insurance, after all, different insurance companies transfer different risks.

For example, the elderly are more at risk of illness and accidents, so you can consider critical illness insurance or cancer insurance, medical insurance and accident insurance.

For those who still don't know about several insurances, you can take a look 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?

For example, critical illness insurance can transfer the financial risk caused by critical illness, while cancer insurance will have a narrower coverage than critical illness insurance, and only cover the malignant tumor diseases with the highest incidence.

However, critical illness insurance is the older you are, the more expensive the premium, and in addition, older people may not be easy to pass the health notice of critical illness insurance, so if it is not cost-effective to purchase critical illness insurance, cancer insurance can also be considered.

After all, cancer insurance has a low insurance threshold, the premium is relatively cheap, and it can also protect the diseases with the highest incidence of critical illness, which is also very good.

For cancer insurance, if you want to know more about it, you may wish to see:What is cancer insurance, how to buy it, which one is good, comprehensive analysis, comparative evaluation

Medical insurance can be used as a supplement to medical insurance to help reimburse the medical expenses of some hospitalization products.

Accident insurance can transfer the economic risk caused by accidents, and one-year accident insurance is highly leveraged, usually a few.

10. Hundreds of premiums can leverage hundreds of thousands of insurance amounts, which is also worth insuring.

That's all I've got on the issue, I hope it helps! Hope!

The premise of buying commercial insurance is to go to social security first. If the social security has not been paid, or the payment has been interrupted, it must be paid first. Social security is a very important national welfare, and it is also the basis for many commercial insurance, so whether you decide to buy commercial insurance or not, it is important to improve it first.

Commercial insurance, give priority to the purchase of accident insurance and medical insurance (need to comply with health notice), insurance is a financial tool we use to pass on risks, the greater the leverage of the premium insurance amount, the more obvious the effect of risk aversion. The specific configuration ideas are as follows:

1. Million Medical Insurance:Low**, with a deductible of 10,000 yuan, reimbursement of general wards in public hospitals above the second level, some imported drugs cannot be reimbursed, passing on larger medical expenses, recommended reading: Top 10 million medical insurance rankings are newly released.

2. Accident insurance:At the age of 50, due to the decline in physical and mental state, reflexes, agility, and physical functions are much worse than before, and the probability of accidents is much higher than that in young adults, it is necessary to configure accident insurance.

3. Critical illness insurance:If you are 50 years old and in good health, it is recommended to consider a pure critical illness insurance that is consumption-based and does not include life insurance liability, and the coverage period can be 10 or 20 years. Savings critical illness insurance with life insurance liability is not recommended because the sum insured and the premium will be very close, and the older you go, the premium will even be upside down, which will lose the meaning of buying insurance.

The above is just the general configuration idea of buying insurance for the elderly, the specific product screening needs to be combined with the budget, the health status of the parents and the family risk gap comprehensive consideration, the senior sister will summarize these contents into a strategy, friends who want to configure insurance for their parents must see: what is the insurance for the elderly, what insurance is good for parents, you need to know

Finally, the senior sister also wants to remind two sentences, you don't need to take your parents to a physical examination before buying insurance, don't check out some problems at that time and you can't buy insurance.