What insurance do you need to buy if you don t have a high income, and what kind of insurance do you

1 million medical insurance: 30-year-old men can be reimbursed for up to 6 million medical expenses per year as long as they are more than 300 a year, no matter what the disease is, as long as they are hospitalized, they can be reimbursed. 2. Accident Insurance:

158 a year, with an insurance amount of up to 500,000 yuan, and at the same time has an accident medical treatment of 50,000 yuan. In this way, it is 400 yuan for 1 year, and you can have protection against serious illnesses and accidents.

The first thing to buy is accident insurance, although the health is good but the accident is difficult to prevent, although the medical treatment does not have to worry, but if it is a major accident, then it will be reincarnated into the burden of the family, because once disabled, you will lose your job and income, if you die, then you will be even more sorry for the parents who raised you. It's very simple, one or two hundred yuan to solve the problem, buy a good insurance card is only 100 yuan, I believe that this money will not become a burden for anyone who has a job and income, and it is appropriate to insure 100,000 or 200,000 yuan.

If you can afford a few hundred yuan a year, then you can buy 100,000 yuan of critical illness insurance and choose consumer products. With the increasing incidence of critical illness and the trend of younger people, taking out critical illness insurance plays the same role, which can ensure that people who have lost the ability to work due to critical illness have a financial compensation, maintain their future life, and continue to choose other jobs after their health improves, so as to regain income. In addition, because of the death caused by the disease, the accident insurance is not compensated, so, in order to be worthy of the parenting grace of the parents, these two insurances are must be purchased, because I really can't think of any other way to die besides suicide, and if I commit suicide after two years of insurance, if the critical illness insurance has death liability, it will be compensated.

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

1.Buy million-dollar medical insurance. 2.Buy accident insurance.

Different people's needs for insurance are different, and people with low incomes need to buy insurance according to their own protection needs and budget situation. For example, if you have a need for illness protection, you can buy critical illness insurance and medical insurance; If you need accident protection, you can apply for accident insurance.

>> people with low incomes should first sort out their needs for protection

Before buying insurance, people with low income should first sort out their own protection needs for insurance, that is, figure out what kind of protection they want to get by buying insurance, so that they can buy the right type of insurance, and then choose the right insurance product configuration for themselves.

For example, if people with low income have disease protection needs, then you can consider buying critical illness insurance and medical insurance, which can provide corresponding protection for diseases and reimburse medical expenses respectively, so as to transfer the economic risks faced by people with low income after illness.

Assuming that people with low incomes have accident protection needs, then accident insurance that can provide corresponding accident protection for contractual accidents is very worthy of purchase for this type of people.

For these insurances, people with low incomes can have an in-depth understanding:What is the difference between critical illness insurance, medical insurance, accident insurance, and life insurance? Will there be a conflict when making a claim?

>> people with low incomes should set a good insurance budget

People with low incomes should plan their budgets before buying insurance, and the budget they choose to use for insurance allocation should be reasonable.

It is recommended to use 10%-20% of the total annual income of the family to configure insurance, for example, with an annual income of 80,000 yuan, you can use a budget of 8,000 yuan to configure insurance.

Don't compromise the quality of your daily life in order to buy regret insurance.

Finally, people with low incomes can not be wrong with this dry article:How to buy insurance for different age groups? Every Bilian person should have an exclusive planHope.

1.Buy million-dollar medical insurance. 2.Buy accident insurance.

1.Buy a million sheds laughing at the medical loss and noisy treatment chain is empty and risky. 2.Buy accident insurance.