What is the best insurance to buy? What insurance is better

The scientific insurance structure is that medical and accident insurance is the most basic, especially the accident is the top priority, this type of insurance can basically meet your needs as long as about 100 yuan a year, followed by medical treatment, if your unit has medical insurance, you can temporarily return it to a position, and then there is serious illness insurance, serious illness insurance generally has a long payment period, long insurance period, the younger the cheaper to buy, and the longer the payment period is also beneficial to your age, it is recommended that you pay for 30 years, Because the age of serious illness is generally 45-60, and the chronic diseases that occur after this age are generally no longer within the scope of compensation for serious illness, if something unfortunate happens during the payment period, you can get the corresponding insurance compensation, and terminate the payment, and the insurance contract will be terminated. In addition to these, if you have a surplus of money, you may want to consider purchasing participating insurance.

Ping An recommended. Hongsheng + Accident Medical + Accident + Hospitalization + Critical Illness.

According to your age, if you pay for 100,000 yuan in 30 years, about 3,000 yuan per year, take out 250 yuan from your salary every month, and save more than eight yuan a day.

If you think it's reasonable, please recommend it as a good answer, but if you want to buy insurance, don't look for me, I don't do insurance, I only do financial planning.

The first step is to buy insurance that transfers risks, which is what we often call protection insurance, the second is health insurance, and the third is pension.

1. The death benefit is more than 10 times the current annual income.

2. The insurance premium is less than 20% of the current annual income.

3. The minimum coverage for critical illness shall not be less than 100,000.

4. Serious illnesses should not be less than 25 kinds.

If you can meet these four conditions at the same time, you can consider it, let your ** person make a plan, write the terms and responsibilities on it one by one, and then save it, wait for the formal contract to come down, and then check it one by one, if it does not match, return it immediately, and do not lose the premium within 10 days. Don't just take a word from the people.

What kind of insurance is the best?

Generally speaking, it is usually the best insurance product that can cover your own protection needs and is suitable for you. Of course, different ages and different groups of people have their own set of insurance configuration plans, and you can also refer to them when choosing insurance for yourselfHow to buy insurance for different age groups?

Everyone should have their own plan

If you want to say how to configure insurance, then the senior sister suggested that the friends give priority to the allocation of millions of medical insurance, accident insurance and life insurance products when purchasing, and then configure a critical illness insurance when there is a budget in the end.

Million medical insurance, mainly a reimbursement insurance to solve the cost of medical treatment, usually has the advantage of low premiums and high insurance amounts, hundreds or thousands of dollars can buy millions of insurance amounts, and some million medical insurance products such as Zhonghui Huixiang (2022) and Ping An e-life insurance have also added value-added services such as green channels, which can well solve the problem of difficulty in seeking medical treatment.

Accident insurance, simply put, is to protect the death and disability caused by accidental injury, and the insurance money paid can be used to make up for the loss of income due to disability and the daily expenses of the first period.

Life insurance is based on human life as the subject of insurance, and the senior sister recommends that the small partner who is the breadwinner of the family can be allocated, so that it can also well avoid the economic risk after the unfortunate death of the family pillar and maintain a normal life.

Finally, when it comes to critical illness insurance, I believe that critical illness insurance should all understand that it is an insurance product that can obtain the corresponding claim as long as the insured is diagnosed with the disease specified in the contract and meets the claim criteria.

Of course, there are also some cheap and well-priced critical illness insurance products on the market, and Senior Sister has summarized several good insurances in this article, you can also take a look:Top 10 Cheap and Good Price Heavy Thoughts Stove Disease Insurance** Points! Hope!

1 Ping An of China (China's well-known trademark, the world's top 500 enterprises, Ping An Insurance (Group) Co., Ltd. of China****).

2 Chinese Life Insurance (the same age as the People's Republic of China, the mainstay of China's insurance industry, Chinese Life Insurance (Group) Company).

3 Pacific Insurance (a Fortune 500 company, headquartered in Shanghai, China Pacific Property Insurance (Group) Co., Ltd.****).

4 Chinese Insurance (China's well-known trademark, far-reaching influence of the insurance group, Chinese Scattered People Insurance (Group) shares****).

5 China Taiping (in 1929 in Shanghai, a powerful national insurance company, affiliated to ***, China Taiping Insurance Group Corporation).

6 AIA (Wholly Foreign Owned Insurer, Leading Life Insurance Company in Asia Pacific, AIA USA****).

7 Xinhua Insurance (a well-known international joint-stock professional life insurance company, Xinhua Life Insurance Co., Ltd.).

8 Taikang Insurance (China's well-known large-scale insurance and financial services group, headquartered in Beijing, Taikang Life Insurance Co., Ltd. **** Wang Jueshi).

9 Sunshine Insurance (one of the seven major insurance groups in China, Hongjing, a more powerful insurance company, Sunshine Insurance Group shares****).

10 Dadi Insurance (good performance and social reputation, China Dadi Property Insurance Co., Ltd., a subsidiary of China Re Group Corporation).

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The average person can consider purchasing the following types of insurance:

1.Life insurance: Life insurance provides protection for the policyholder's family, that is, when the policyholder dies, the insurance company pays a certain amount of insurance money to the beneficiary.

Life insurance can be purchased in two forms: short-term or long-term. Short-term life insurance usually lasts for a year or less, while long-term life insurance can provide longer-term coverage at a premium.

2.Medical Insurance: Medical insurance is designed to help the insured person when they need medical care. Different insurance products have different coverage and limitations, for example, some insurance companies may offer limited coverage outside of certain network hospitals.

3.Accident insurance: Accident insurance can provide the policyholder with additional protection against unforeseen unforeseen events.

Policyholders don't have to worry about emergencies that may occur in ordinary life, such as falls, animal bites, car accidents, etc. However, accident insurance usually does not cover the cost of injury or emergency medical services due to illness.

4.Car insurance: Car insurance is designed to cover the policyholder's car. Depending on the type of policy and the amount insured, car insurance usually covers vehicle repairs, bodily injury from accidents, and property damage, among others.

5.Travel Insurance: Travel insurance provides coverage for unexpected events during the policyholder's trip. Travel insurance can cover all kinds of emergencies during your trip, such as lost luggage, emergency medical services, trip cancellation or delay, and more.

Before purchasing insurance, we need to understand the premium, coverage period, coverage, claim requirements and applicable restrictions. In short, choosing the right insurance product needs to be decided according to the actual situation and needs.

It is advisable to consider purchasing a product from a well-known insurance company. At the same time, it is necessary to avoid buying counterfeit and shoddy insurance products that cannot guarantee the legitimacy.

The above is Dad's, if you don't understand something, please send a private message.