What insurance should I buy? What insurance should I buy?

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 insurance

It is according to different ages, different income and expenditures, and different family states to "prescribe the right medicine", I made a strategy to share with you, based on the insurance strategy, to understand and recommend a family life insurance plan:

If you are between the ages of 0-20, you can choose from critical illness insurance, medical insurance and accident insurance

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

If you are in the age group of 20-30 years, you can buy critical illness insurance, accident insurance, and medical insurance

How do you buy insurance in your 20s? 20 years old 30 years old, is already an adult who can be independent, at this time the body is young, the spirit is good, most of them have not yet started a family, there is no pressure on the old and the young, and the parents are still young, so it is recommended to buy short-term critical illness insurance + one-year accident insurance + million medical insurance, the premium required is not high, and it is dozens of dollars a monthWhat kind of insurance do young people in their twenties need?

You can take a look at this article.

If you are between the ages of 30 and 50, it is recommended that you choose critical illness insurance, life insurance, accident insurance and medical insurance

Do you have any advice for young people in their thirties to buy insurance? At this time, buying insurance is more for your family than yourself. Middle-aged people are under the pressure of work and life, and as they get older, the probability of illness is also increasing, critical illness insurance and medical insurance can provide adequate protection for illness; If an accident happens, accident insurance and life insurance can buy peace of mind for the future of yourself and your family.

Friends who meet this age group can watch before the senior sisterDo you have any advice for young people in their thirties to buy insurance?

For how to choose a suitable and cost-effective insurance, the key is to choose the right insurance product.

"What insurance should I buy? "Comparison table of 136 popular critical illness insurances in China (including the detailed list of insurance for each age group).

What insurance to buy depends on your income, if the income is generally recommended to buy an accident insurance, the payment is about one or two hundred is enough. If the income can suggest that you buy commercial insurance, there are also commercial insurance in the market that do not require a physical examination, which means that you can also buy it if you are sick. It is generally about 500 per month, which is enough for 5 or 10 years.

It can be repaid every year.

What kind of insurance is the best?

You can buy insurance, and if it's a commercial insurance, it will exclude the cost of your liver disease even if it is covered. However, other medical insurance can still be covered, such as hospitalization, surgery, except for liver disease. As for how much it costs, because your situation is more special, you have to find the insurance company to tell your specific situation to give you an exact answer.

What kind of insurance should I buy, and how much should I buy? It depends on your income, existing protection, debt and other factors.

If you are going to buy commercial insurance, be sure to tell us about your hepatitis B status. The insurance company will charge a fee or exempt you from liability.

If you are sick, you will not buy medical insurance.

Buy accident insurance.

You can consult the insurance company, Ping An Life, which is very good.

If you are driving, accident insurance is the first choice, because there are more and more types of insurance, and this is a must.

The second is hospitalization medical insurance, and the probability of suffering from cervical spondylosis, lumbar disc herniation, and frozen shoulder is very high if you drive for a long time, so it is best to buy this if the economic conditions allow. (If you buy Ping An insurance, you can find an acquaintance to get a medical insurance card, and the accident of 300,000 yuan is only 450 yuan + 2 hospitalizations, and the total amount is not more than 1,000 yuan a year).

If the economic conditions are not bad, you can consider pension (or financial management) life insurance, and be sure to attach a critical illness.

What kind of insurance is the best?

In fact, different age groups have different needs for insurance, and it is certainly necessary to buy insurance. Insurance cannot avoid accidents, nor can it affect our birth, old age, sickness and death, but buying insurance can reduce the financial impact caused by illness and accidents, and reduce the financial burden for yourself and your family. The main types of life insurance on the market include accident insurance, medical insurance, critical illness insurance, and life insurance.

The premium is controlled between 5% and 20% of the annual income, because there are also issues such as job changes and renewals in the later stage.

At this time, many people will ask, with social security, do you need commercial insurance?

For most people, it is still necessary to supplement their protection by purchasing commercial insurance.

Social security coverage is wide, but the shortcomings of insufficient insurance are also obvious.

Commercial insurance is very flexible, not only can it be reimbursed, but also can solve the problem of income loss, and the most important thing is that it can be purchased according to your own needs. Each type of insurance has its own function, and generally our insurance configuration is slowly improving.

There is no best insurance, only the best one for you. First of all, it is necessary to make it clear that the purpose of buying insurance is to buy the maximum protection with the least amount of money, and avoid the so-called financial products. Secondly, it is necessary to make it clear that the meaning of buying insurance is to pass on risks, such as disease risks, accident risks, etc.

Spending the least amount of money to solve the most urgent risks is the key to buying the right insurance and buying the right insurance for you.

What kind of insurance is the best?

No matter whether your income is high or low, don't buy it easily, because there is a lot of knowledge about insurance, you must first understand what return insurance, the core difference between consumer insurance, the core difference between term and lifetime, the type of function, and your actual needs.

What kind of insurance is the best?

The first consideration when buying insurance is to buy it in which insurance company, because the insurance you buy is to protect you for a lifetime, and it is important to choose an insurance company with strong strength and good service.

Top 5 insurance premiums in June 2011, you can use it as a reference.

1. Chinese Life Insurance Company. 2. CPIC Life. 3 Ping An Life. 4. New China Life Insurance. 5. Taikang Life Insurance.

These 5 are the most popular among the people in China, otherwise why would there be so many insurance premiums?

These 5 have service outlets near where you live, and this is also something you can consider. Because the salesman who is responsible for serving you will not be able to serve you one day for any reason, then the after-sales service of the insurance company is very important. If there is a service outlet near your home, even if the salesman can no longer serve you, you can also handle the insurance matters yourself (although most insurance companies now promise to be able to handle it at home, but some items still need the person concerned to go to the office to deal with it).

If you plan to spend 5,000 yuan a year to buy insurance for the whole family, it is a bit difficult.

The insurance premium of 5,000 yuan can probably achieve the following protection:

1. One accident insurance for each husband and wife (consumption).

2. 1 copy of critical illness insurance for 2 husband and wife (about 370,000 yuan of coverage) (most companies can get back the principal of this product at a minimum) (if you want more protection for children's insurance, you can also choose consumer insurance with a smaller fee, but it is not recommended.) Because the older you get, the greater the chance of getting a critical illness, but the insurance company has the right not to let you renew the policy for the second year or any year afterward).

3. One student medical insurance for one child (consumption-based).

4. 1 copy of critical illness protection or education insurance for children (due to the provisions of the Insurance Law, the risk insurance amount purchased by children under the age of 18 shall not exceed 100,000 yuan, so please be cautious when choosing children's insurance, after the risk insurance amount reaches 100,000 yuan, children can basically no longer buy insurance before the age of 18).

If the pension insurance and children's education insurance you are concerned about are less than 5,000 yuan per year, and the insurance premium is less than 10,000 yuan per year (the payment period is less than 5 years), I still recommend that you consider the pure medical insurance first, because when you enjoy this right, you will find that you have worked hard for so many years but have not played a role in that aspect at all.

What you want to buy is an insurance product rather than an insurance company, so the first thing to focus on is the professionalism and integrity of the salesman, so as to really help yourself successfully handle the most suitable insurance!

I wonder what your family's current income is? The normal planning scheme is that the cost of insurance for pure protection does not exceed 15% of the family's income, but the amount of coverage, especially for the main breadwinner of the family, needs to reach 6 to 10 times the annual income. If both of you have social security, accident medical treatment, hospitalization reimbursement, and allowances can be appropriately reduced.

According to the order of protection, the first is the accident insurance, 100 yuan per person, 200 yuan budget; The second is the health insurance protection for critical illness, which is planned according to the protection amount of 10.3 million yuan. Then there is the children's education fund reserve, and the couple's pension insurance. According to the insurance company's rate and insurance amount, your budget of 5,000 yuan can only be protected by doing as much as possible for consumer insurance.

Hello, I am the business representative of Chinese Life, do you want to use 5,000 yuan to buy 3 kinds of insurance: accident, endowment insurance and children's education insurance? Also how many family members do you have in your family and how old are they? So that I can help you make a plan, I am from Foshan City, and we will try to meet in person if we can, because sometimes it is not clear on the Internet.

In fact, it is very difficult to complete so much protection for 5,000 yuan, the cost of accident insurance is not very high, it is recommended to buy a critical illness insurance for each husband and wife, the lifetime or regular rate of China Life's Corning is not too high, the main focus is on protection, and then the accident insurance of the whole family, there may be some that can buy a long-term education insurance for children. The specific rate is not too clear, you can check it online.

Take 5,000 yuan to invest in Ping An universal insurance for adults, and you can call for details to learn about the detailed plan. Ms. Liu, Senior Director of Ping An.

When you are older, you should buy insurance early, and the premium is cheaper, and don't wait until you are old to think of buying insurance.

Recommend Chinese Life's Corning Lifetime Critical Illness Insurance, the occurrence of the type of critical illness listed in the contract, with the diagnosis of the claim, high compensation,

What kind of insurance is the best?

Because your mother is now seriously ill, the Insurance Law does not allow her to take out insurance while sick. So can't buy it. It's a good thing to be conscious.

At the age of 55, go to your local area and ask which company still sells universal insurance, universal insurance usually covers about 30 kinds of critical illnesses. If Magnum is discontinued, you can go to Taikang Life Insurance to ask about Shengshi Life to insure 32 major diseases. It is also returned every year.

It's just that I'm getting older, and the income is very low. You have to be clear about this question. When I'm older, it's not appropriate to buy any insurance. I can't even buy it. Medical examination is required for those over 50 years old.

1. Your mother is not suitable for buying any insurance, health insurance can not be purchased, if you buy some investment and financial management, it is better to buy it for young people, pay the same money, young people receive a long time, and receive more.

2. Your father can buy critical illness insurance, and Taiping Life's "Fulu Shuangzhi" is still the best critical illness insurance in the market.

35 types of critical illness protection, no matter how many times you pay, the sum insured + dividends will be paid when you are diagnosed.

Double dividends, the sum insured increases year by year, and the increase is getting faster and faster, which can effectively resist prices**.

Critical illness insurance, total disability insurance, death insurance, terminal illness insurance, and life celebration are all included, and the protection is complete.

Your father is in good health and can buy Corning Whole Life Insurance of Chinese Life Insurance! Protects against 20 major diseases.

Don't consult online, it's useless, for example, I want to make clothes and I don't go, do you think the tailor can make clothes that suit you?

For the insurance company, if you are not sure which one to buy, you can find the salesmen of each company, only let them understand all aspects of you in order to create a suitable insurance for you**, the next is to "shop around", only in this way can you choose a plan that satisfies you! If you just ask and don't know more deeply, then too many answers will also confuse you, there is a good saying, Wang Po sells melons and boasts, no one has ever said that her products are not good, so choosing ** is like making clothes, the money is spent, the key is to suit yourself! In terms of salesman, you should be more cautious in choosing people, because he is directly your service staff, to ensure that character is the key!

Hope my advice is useful to you!