I want an insurance, what kind of insurance should I make, ask for advice

Hello, if you want to be a guarantee, the best and cheapest is Ping An Fu. Comparatively speaking, low premiums and high protection. Complete coverage.

If you want to do pension, you can consider Xinxiang or Xinsheng are good, and the cash value is relatively high. Let's have a personal opinion.

Hello, according to your situation, it is recommended to consider some low-cost, high-protection insurance. When applying for insurance, it is necessary to pay attention to the key points of protection, put the demand for accident insurance first, and match it with accident medical insurance and hospitalization allowance insurance.

For people around the age of 30, it is recommended to give priority to some comprehensive health insurance, accident insurance, etc., and can also choose more targeted critical illness insurance, hospitalization medical insurance, etc. according to the actual situation. In the case of adequate protection, you can consider some financial management insurance or pension insurance for insurance, such as participating insurance, investment-linked insurance, annuity insurance and universal insurance.

If you want to be more protected, you can also choose a combination of insurance, such as a comprehensive health insurance plan + a participating insurance combination, to meet your protection and financial needs at the same time. You can choose according to your personal situation.

You can refer to how to insure yourself with commercial insurance at the age of 30.

Hope it helps.

You can refer to Ping An's Ping An Fu Insurance or Outsmart Life Universal Insurance!

It depends on what kind of insurance you have. If it's property insurance, it's not possible, the insurance company pays you the original value at most, this is very easy to understand, it's to prevent risks, otherwise, I buy a car and keep buying insurance, and then destroy it, the insurance company pays multiple times, or I will send it in a few days. If it's life insurance, it depends on the more specific situation:

1. If it is two or more critical illness insurance, accidental death and disability insurance, and comprehensive insurance, etc., which take human life and body as the subject of insurance, once the insured suffers from critical illness or disability or death, no matter how many copies are purchased in several companies, each copy must be paid according to the amount of insurance you purchased. 2. If you buy reimbursement medical insurance for minor illnesses, then several companies or several insurances purchased by a company, their compensation principle is to pay according to the insurance liability one by one in the order of your claim, if you do not reach the amount you spent in the end, then all the claims will be made once, and when the amount of claims reaches the amount you spent, the latter will not be paid. The insurance company's method of controlling this is that the first company to make the payment will ask for your original invoice, and the later company will ask the previous company to make a copy of the invoice after the payment and the company that received the original will stamp and confirm it, and attach a list of the compensation for the later company to inquire.

For example, if you purchase medical insurance that reimburses 80% of the actual cost in two companies, and the actual hospitalization costs 1,000 yuan for 10 days, the first company will ask for an invoice and reimburse 800 yuan, and the second company will ask for a claim split sheet from the previous company and reimburse (1,000-800)*80%=160 yuan, and you will pay a total of 960 yuan. This is due to the principle that the National Insurance Law stipulates that short-term medical insurance is compensatory and cannot be made through this. 3. Under special circumstances, there is a special type of insurance for minor illness medical compensation that can be paid beyond the amount spent.

That is, if you buy a hospitalization allowance type of insurance, it is this kind of insurance that no matter what reason you are hospitalized, as long as you are hospitalized for one day, how much money will be paid, regardless of how much money you actually spend. This type of insurance pays out for each product of each company according to the insurance liability. For example, if you are hospitalized for 10 days and spend 1,000 yuan, but you buy two insurance policies from 2 companies that provide 100 yuan per day, then the final compensation amount is 2*10*100=2,000 yuan.

However, such insurance is generally more expensive, and there is a total limit of compensation, and the insurance contract is terminated when the total amount of compensation is reached within a certain number of years.

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

The insurance we usually buy for ourselves and our families is mainly life insurance, and life insurance mainly includes:Life, Health and Accident Insurance. Many people say that they can't understand the insurance contract, mainly because they don't grasp the rules, and they can grasp the following points:

>>> which insurance is better, how to buy a good deal, and teach you how to avoid these pitfalls of insurance

1.Risks we may face:

Yourself or a family member suffers from a serious illness and needs high medical expenses;

If you suffer a serious accident and need high medical expenses, if you are unfortunately disabled, your earning capacity for the rest of your life is impaired or completely lost, and you can only rely on your family to take care of you;

Death due to critical illness or accident leaves the family without financial support and no future life security.

2.What kind of insurance do we need to buy to cover these risks?

Critical illness risk:Medical insurance and critical illness insurance are required。Medical insurance is used to reimburse some of the high medical expenses; Critical illness insurance pays money to cover medical expenses, expenses during recovery, and household expenses during the period when you are unable to work.

Accident risk: You need to buy accident insurance and medical insurance. Medical insurance is used for reimbursement of medical expenses, although accident insurance also has accidental medical reimbursement, but the amount is too small, if it is a serious accident, it does not play a big role, so medical insurance is still needed; The money paid out by accident insurance is used to supplement what medical insurance does not cover and to protect yourself and your family in the future.

Death risk: You need to buy life insurance. It is used to ensure the future life of the family.

The breadwinner of the family needs to be equipped with a term life insurance policy to protect it until retirement, and children and the elderly do not need to be configured. Life insurance embodies love and responsibility for the family.

To sum up, in summary, the priority purchases are:Critical illness insurance, medical insurance, accident insurance, pure protection life insurance.

There are several types of insurance that can be purchased: the risk of serious illness requires medical insurance and critical illness insurance, and when everyone is sick, buying insurance about seeing a doctor can help you leave a lot of money. Accident risk needs to buy accident insurance and medical insurance, these two insurances complement each other, accident insurance can be used for medical insurance can not be covered.

The risk of death requires life insurance to protect the future life of your family.

Extended information: The following is a brief introduction to each type of insurance:

1. Life insurance. Life insurance is the patron saint of the family, and the formula summed up is that the sum insured of life insurance = the total family expenditure in the next ten years + children's education expenses + parental support expenses + debts, so combined with this formula: Xiao Zhang's life insurance amount needs to be 5 million (annual expenditure of 200,000 * 10 years + debt of 3 million) - 7 million (children's education expenses of 1 million + parental support expenses of 1 million).

2. Critical illness insurance.

The formula for the amount of critical illness insurance is to balance between 5 times the annual income and 5 times the annual expenditure, and calculate the amount required by Xiao Zhang, that is, between 1 million and 2.5 million.

3. Medical insurance.

According to the cost-effective mid-end medical calculation, Xiao Zhang's medical insurance amount needs to be at least 1 million.

4. Accident insurance.

For the recommended amount of accident insurance, it is at least 5 times the annual income of the family, so Xiao Zhang's accident insurance amount is recommended to be at least 2.5 million.

For example, when you are sick, you usually go to the doctor first and then prescribe medicine. Professional things to find professional people, so buy insurance is the same, first find the insurance ** person and let him give you advice on what kind of insurance you should buy, the insurance ** people will also have uneven so you should compare a few more, choose what you think is reliable.

Buy all the basic health insurance first, and then buy the others if possible.

Buy basic medical care, critical illness, accident, and high-end medical care first. If conditions permit, you can purchase wealth management.

Want to buy insurance, but don't know what to buy? What insurance is good? If it meets your needs and solves the risks you are worried about, then this kind of insurance is good insurance, even if the cost performance of this product is not the best in the market. How to choose a cost-effective insurance?

If you need insurance, you can contact me.

Hello; Your social security must be paid because it is related to your future life. If you have the funds, you can prepare a business insurance for yourself. , people who have just entered the society.

This rank Gong Ji is basically a recent graduate, and his financial ability is not solid, but his body is very healthy, and the threat of disease is very small. It is not easy to have a job, and the company gives social security and has some basic protection. If you are in a public institution, it is even better, you can enjoy publicly-funded medical care.

Spending is not easy to control during this period, and impulse spending is inevitable. Rational people can save some, but most people may not be able to save money.

How do young people in this period buy insurance? 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 bought, because I really can't think of any other way to die besides suicide, and if you commit suicide after two years of insurance, if the critical illness insurance has death liability, it will be compensated.

The car has compulsory insurance and commercial insurance, of which compulsory traffic insurance is what each of our car owners must buy, in addition to my personal recommendation to buy, third-party liability insurance, and car damage insurance, car damage insurance is generally enough to buy a million.

Generally speaking, single people, due to a series of conditions such as job instability and relatively low salary levels, determine their own weak ability to resist economic risks. At this stage, priority should be given to low-cost basic protection such as accident insurance and health insurance. If funds permit, critical illness coverage can be increased in due course.

The newly formed family has to face the problem of supporting four elderly people at the same time, which can be described as "a lot of pressure". As the "pillars" of the family, young couples should protect themselves first. Accident insurance, health insurance and term life insurance are relatively high levels of protection and can be considered and arranged first.

The insurance needs of middle age are biased towards children's education and pension reserves. It is also necessary to face the responsibilities of real family life, as well as the trend of delaying retirement in the future and the pressure of inflation. In order to meet the needs of these aspects, it is more suitable to choose medium and long-term insurance with certain financial management functions, so as to match the corresponding education fund and pension accumulation needs.

The burden of raising children and supporting the elderly has gradually been removed, and the income level has gradually developed to the highest point, but the day of retirement is getting closer and closer. Due to the evolution of society, the future pension can no longer rely on social insurance and child support, and it is necessary to make a good pension plan for yourself.