If you want to buy an insurance plan, do you know how to do it?

For your questions, on my company's products, one-on-one:

1。For the self-payment of medical insurance accidents, commercial insurance will not be reimbursed, and only the balance after social security reimbursement can be reimbursed, which is within the insurance amount.

2。Hospitalization allowance, which is available in commercial insurance, is 10-200 yuan per day.

3。For critical illnesses, you can make an appointment in advance for expenses that may need in the future, and once diagnosed, you can apply for compensation.

For critical illness design, surgical expenses can be reimbursed in inpatient care. One serving is 15,000, usually 1--6 servings.

4。Accidental medical treatment does not conflict with social security, and accidents can also be attached.

5。Seeing a doctor when you are sick, caring for the elderly when you are not sick, one product to solve all your problems.

Xinhua Insurance has a product called auspicious Ruyi, which is not bad, and it is okay to attach critical illness, hospitalization and subsidies. The cost is not high. The coverage is double, not bad looking. But it is recommended to find a good salesman to do the service. . .

If a family of three wants to maintain and improve the current standard of living, it is necessary to carry out scientific and reasonable family insurance planning. How to plan insurance for a family of three.

1.When buying insurance, you must start with protection.

If you plan multiple policies, first consider the protection of critical illness and death, then consider the preparation of education funds and pensions, and finally consider the choice of investment-based insurance.

2.Pension insurance should be planned as early as possible.

Until now, many people still believe that insurance is only bought when it is needed. This concept is wrong, the sooner you buy the insurance for the elderly, the more cost-effective it is, and the higher the cost of buying insurance when you are older.

3.The premium accounts for 10%-20% of the annual household income

As for the proportion of funds for the purchase of insurance, it is generally advisable to use about 10% of the annual household income to purchase insurance. However, this is not absolute, and the proportion can be appropriately increased for those with high incomes, and the proportion can be lowered for those with lower incomes.

4.Invest in high life, critical illness and accident insurance for the breadwinner, as the breadwinner's earning ability is crucial for the whole family.

5.For a family of three, adults are the child's dependence, so insurance planning should be done before the adult and then the child.

6.A family of three should have comprehensive accident and health protection. If the economic conditions are better, consider your own pension and children's education funds. Investing in some dividend-paying, annuity, and education insurance products can be said to be a more prudent choice.

A family of three planning insurance planning, it is recommended that you combine the specific protection needs of the whole family members to make a comprehensive comparison and selection, is to provide professional insurance platform, you are welcome to come to buy.

Children's Green Card Coverage Content:

Accidental injury (death, disability) 50,000 yuan* accidental hospitalization, accidental outpatient * children's critical illness 10,000 yuan as low as: 100 yuan.

Coverage of Taiping Shengshi Comprehensive Accident Insurance (Diamond Plan):

200,000 for ordinary injuries * 50,000 for accidental medical treatment * Accidental hospitalization allowance for as low as: 328 yuan Hezhong regular critical illness protection content:

You can choose up to 300,000 yuan of critical illness cancer benefit*300,000 yuan of insurance benefit will be paid immediately upon death*Total disability waiver, and the minimum monthly cost of protection is 20 yuan.

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

For adults, buying insurance should first buy social security, and then you can choose to buy some commercial insurance to supplement. Because, social security is the foundation, and commercial insurance is the supplement. The order of buying commercial insurance is: accident insurance, medical insurance, and endowment 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 it is a death, then you will be even more sorry for the parents who raised you.

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.

People with stable and high incomes can buy some savings critical illness insurance because the money will be available sooner or later. I recommend choosing a dividend-paying product, which can increase the sum insured, or cash dividends, to resist inflation. The two items I recommend have one thing in common:

They are all income-protected products, which means that once a risk occurs, the insurance company's compensation can sustain the rest of the life and will not be borne by the family.

The next step is to choose endowment insurance. The old age stage is the pure consumption stage, the social security pension can only maintain a basic life, the remaining gap can only rely on themselves, the future demand is fixed, but the earlier you prepare, the less pressure you have, this reason is very simple.

Life insuranceAccident insurance

First of all, the estimated premium is about 20% of the annual income, and cannot exceed 30%.

One. The husband mainly covers the personal value of medical insurance and accidents (which must be set at more than 5 times the annual income).

The wife is mainly based on medical care and pension, (and has 5 times the value of the protection) (the average age of survival for women is much higher than that of men, and the premium is relatively low).

Two. Children are mainly based on education dividend insurance plus medical insurance, three. Accident protection should be based on card-type short-term (one-year) insurance (low premium, high sum insured).

Four. The main amount of medical insurance for children is only 100,000 yuan, and the amount of insurance for parents is more than 200,000 yuan per person.

Five. The child's education fund is the first choice of medical insurance with both medical dividends.

Six. Pension insurance is mainly pure pension insurance (dividend-paying type), which can fully resist inflation.

I have also planned the implementation of specific premiums according to the specific insurance items that I know. Premiums can meet the needs of protection.

The above is for your reference!

Male: 30 years old, mainly facing some serious illnesses + hospitalization! + Critical illness participating insurance + accidental injury totaling 20,000.

Female: Accidental injury + critical illness participating insurance with a premium of 20,000 yuan.

Hello, according to your situation, it is recommended that you first consider the protection insurance, especially the insurance with low payment and high protection, especially the need to establish supplementary commercial insurance for social security medical care, mainly considering regular critical illness, accidental injury, accidental injury medical treatment and one-year hospitalization medical insurance.

You can refer to:

You can choose a comprehensive health and accident insurance plan, or purchase critical illness, hospitalization and accident insurance separately. When purchasing these types of insurance, it is generally appropriate to invest 10%-15% of the annual household income in the premium. It is appropriate to have an insured amount of 6-10 times your annual income.

For critical illness insurance, the insurance amount is about 200,000 yuan, and the main examination item should be whether the insurance clause includes the most common cardiovascular diseases and organ diseases.

If you are also considering pension, you can consider purchasing the corresponding commercial pension insurance. Among them, the return amount of traditional and dual-type commercial pension insurance is clear, and the investment is less, which is more suitable for the pension needs of the working class. The investment-linked and universal endowment insurance are more suitable for high-income people with strong risk tolerance due to their higher investment and greater risk.

Hope it helps.

You are very insurance-conscious, but not entirely correct, life insurance and critical illness insurance must be purchased to cover life.

As you get older, you get more likely to suffer from a critical illness, and if you take that money out by the age of 65, you don't have any protection.

Your budget can buy $100,000 for critical illness and $100,000 for accident coverage. Peace and welfare health are very suitable. There is also a function to claim.

If the risk is relatively light, you may wish to choose a consumer-based comprehensive insurance card, and you can get the necessary living security with only a few hundred yuan of expenses.

Here is recommended for you, covering 8 kinds of women's critical diseases, providing special ** doctor services, accidental facial facelifts, emergency rescue and other protection, and it is also a rare product in the health insurance market that protects comprehensive traffic accidents.

There are various ways to purchase insurance, you can directly go to the insurance company to contact the corresponding insurer for consultation according to your actual situation, or you can go to the corresponding insurance platform to choose and purchase the appropriate protection according to your actual protection needs.

1 Hello all! When buying insurance for 40-year-olds, they need to choose the right type of insurance according to their actual protection needs, economic status and other factors, and the one that suits them is the best. Generally speaking, accident insurance, health insurance, and life insurance are all suitable products. Here's how:

1. Accident risks are everywhere, 40-year-old people are generally in the stage of "old and young", once out of danger, it is a heavy blow to themselves and their families, and it will cause a certain economic burden. To do this, you need to buy the right accident insurance to hedge against risks. 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, 40 years old belongs to the stage of struggle, and it is more likely 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. If accident and health protection have been perfected, people at the age of 40 still need to buy a suitable life insurance, which can help you achieve wealth appreciation and is also a reflection of the person in charge of your family. Accident insurance, health insurance, and life insurance are all good choices that are more suitable for people in their 40s.

In their 40s, this age carries the pressure and responsibility of the whole family, and it is necessary to consider the dual protection of the family and the health of the family. Therefore, it is particularly important to choose the appropriate health insurance, it is recommended to choose critical illness insurance first, and at the same time, you need to buy a higher amount of life, accident and special disease insurance for yourself, and then cooperate with hospitalization insurance and subsidy insurance, so that children and families can be financially protected in case of accidents.

It should be reminded that in view of the high incidence of some female diseases, middle-aged women can also consider purchasing female illness insurance. In short, CMIC recommends that the insurance portfolio for middle-aged people be critical illness insurance, hospitalization insurance, and subsidized insurance.

The upstairs statement is somewhat one-sided.

1. This plan has a low sum insured, how high is it high? 1,000,000,000? Insurance is a commodity, there is a first-class one, and a high insurance amount requires a high premium;

2. This plan is 450,000 for death, 250,000 for cancer or critical illness, and 100,000 for cancer prevention or critical illness;

3. Don't you even think about curing a critical illness with less than 2 million bills? According to this plan, the premium paid for decades will not reach 2 million.

4. I also recognize Chinese medicine, but Chinese medicine is not omnipotent, all kinds of pollution in today's society, all kinds of life pressure, there is a big illness and a small disaster is too difficult to say, don't say anything else, just say what you eat, all kinds of hormones, all kinds of pesticides, can you avoid it?

5. Health conditioning or something, either it is done by rich people, or it is done by hermits who have no quarrel with the world, how many of us mortals can really calm down and do that?

6. Making money is the first last word, but the insurance person is not stealing money, stealing money is the money and taking away nothing, but if you buy insurance, the insurance company takes the money, and the customer will lose money in the future, so the insurance person is not stealing money.

Hello! According to your requirements, you can consider the PICC health "health insurance card" (including critical illness), the protection period is 1 year, the protection age is 18-45 years old, 480 yuan to enjoy 31 major diseases, of which if one or more of the 31 major diseases listed, after confirmation, you can get a one-time triple protection of 100,000 yuan, 200,000 accidental injuries, and 10,000 accidental medical treatment. Intensive care allowance and hospitalization allowance are available.

Ping An Xinsheng Evergain Combination, the payment period is 30 years, and the annual payment is more than 4,700 yuan.

Lifetime personal insurance is 150,000 yuan, lifetime critical illness protection is 150,000 yuan (men include 28 critical illnesses, effective after 90 days of observation period), accidental injury benefit is 100,000 yuan, and accidental medical treatment is 20,000 yuan.