What is there when you buy insurance? What insurance is good to buy

For an ordinary family, it will generally face these three risks: accidents, critical illness, and large debts. In response to these three risks, insurance companies have also launched corresponding types of insurance:

They are accident insurance, critical illness insurance and medical insurance, and life insurance. Buying insurance is like wearing a seatbelt while driving, not to use it, but to reduce the damage caused by the risk when the risk comes.

Don't buy insurance indiscriminately, there are 5 common sense before buying insurance, you must know.

Car insurance is safe, it has been used for 2 years, as always, it is good as always, it supports the national joint insurance, and in case of trouble, you can immediately handle the local damage assessment, claims, etc., and it is also the first to pay and then repair the car, which can help reduce a large part of the economic pressure.

"Electric vehicles are generally not insured. Electric vehicles are not motor vehicles and cannot be insured. Since electric bicycles are non-motor vehicles, and compulsory traffic accident insurance is only for motor vehicles, it is not possible to apply for insurance business, and there is no such insurance.

Motor vehicle insurance, also known as "car insurance", is a kind of transportation insurance that takes the motor vehicle itself and its third-party liability as the insurance mark. Its insurance customers are mainly corporate bodies and individuals with various motor vehicles; The subject matter of its insurance is mainly various types of automobiles, but it also includes special vehicles such as trams and battery cars, as well as motorcycles. Motor vehicles refer to automobiles, trams, battery cars, motorcycles, tractors, various special mechanical vehicles, and special vehicles.

Arnold answered:

Hello! Generally speaking, the order of buying insurance is accident insurance, critical illness insurance, and medical insurance.

In the selection of insurance types, you should first consider purchasing pure protection products, such as accident insurance.

Second, choose critical illness insurance. It is recommended that office workers choose critical illness insurance with an amount of 2-3 times their annual income, and in case of illness, they can be compensated for 2-3 years of income.

Finally, you can choose health and hospitalization medical insurance, which mainly includes hospitalization expenses and hospitalization subsidies. With the increase of work pressure and the increase of protection awareness, hospitalization medical insurance can help reduce the burden of daily medical expenses at the right time.

People will inevitably be infected with major diseases in this life, those who do not have serious illnesses basically die very early for other reasons, there are many major diseases, no one can be sure that they will not get sick in their lifetime, and which of these diseases will find themselves or their families is unpredictable.

The deficiencies of medical insurance are supplemented by medical insurance, which has restrictions on the ceiling and minimum payment line, reimbursement ratio and scope, and medical insurance can reimburse expenses that cannot be reimbursed by medical insurance.

Accident insurance refers to the protection provided for personal injury caused by external, sudden, unintentional and non-disease events, such as common falling objects from heights, swimming drowning, electric shock, etc.

4. Life insurance. The purpose of life insurance is life, and most of the main forces in the allocation of life insurance are the pillars of the family.

Adults are going to face heavy work pressure, but also to bear the pressure of repaying car loans, children's education, parents and other life pressures, so that many people are exhausted, no protection can be described as panicked, in case one day they go to the west, with a life insurance arrangement for everyone to a sum of insurance, at least for a long time the life of the family does not have to worry.

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?