What insurance do I need during marriage? What is bridal insurance?

If you are willing to take care of your family and loved ones in terms of financial security, you can consider death insurance (which can designate spouse and both parents as beneficiaries) and critical illness insurance.

Generally speaking, it is recommended that friends who are married should take out critical illness insurance first. Critical illness insurance is insurance that can protect critical illness, after marriage, in order to provide a better life for the family and busy with work, staying up late and working overtime is a common thing, which also increases the probability of suffering from critical illness, so it is necessary for friends at the marriage stage to buy a critical illness insurance.

However, when choosing critical illness insurance, it is necessary to pay attention to whether the product is comprehensive, such as whether it provides severe to mild illness protection, whether there are additional benefits, etc.

After the friends in the marriage stage have configured critical illness insurance, if they still have extra spare money on hand, they can also configure millions of medical insurance, accident insurance, and life insurance, so that they can get more comprehensive protection.

1. Million medical insurance.

Different from critical illness insurance, million medical insurance is a reimbursement type of insurance, when the ** expense exceeds the deductible, the medical expenses within the scope of the contract can be reimbursed.

The protection of the million medical insurance is relatively comprehensive, which can reimburse the expenses of hospitalization and outpatient surgery, and friends at the marriage stage can configure a million medical insurance as a supplement to the medical insurance.

The latest top 10 million medical insurance rankings are newly released!

2. Accident insurance.

Accident insurance is an insurance that pays insurance benefits to the insured due to death or total disability caused by accidental injury.

People in the marriage stage are running around for life, and the possibility of accidents will also increase, so if you have more funds on hand, accident insurance is also recommended.

3. Life insurance. Life insurance is a type of insurance that pays out the death of the insured. After the married group has their own family, as the economic pillar of the family, they bear the economic expenses of the whole family and the obligation to support them.

Therefore, if conditions permit, you can buy another life insurance, and if you unfortunately die in the future, this money can also be used to subsidize the family, without worrying about the situation that the parents at home have no one to support and the children to support.

If you don't know what life insurance products are better to buy, you can also take a look at this list prepared by the senior sister: the top ten life insurance products worth buying!

Hello! What is the marriage insurance, the wedding insurance is essentially a savings type of insurance, the so-called "wedding claim" is only the insurance company in the insured to the marriageable age to pay the return, similar to the children's insurance in the education savings, as a long-term premium accumulation, to a certain period of time and then returned.

Wedding insurance is a kind of savings insurance for single women, with the gimmick of saving the dowry of the insured, which is no different from general savings and dividend insurance, and the average annual return on savings of this type of insurance is between 3% and 4%.

Marriage insurance is actually similar to the nature of endowment insurance, pay a certain premium every year, and return it at a certain age, similar to the insurance company to help parents save dowry money for their children. The dowry is not a guarantee of marriage, nor is the education fund a guarantee of schooling, and the insurance money is only paid when due. ”

Hello, dear, marriage insurance is a savings insurance is a savings insurance, and the general savings dividend insurance hole burn loss is almost the same. Generally, parents can take out this type of insurance for their children, pay a premium every year, and when they reach the appropriate age, they can receive the dowry. Its average annual rate of return on savings is generally between 3% and 4%.

Therefore, the so-called marriage insurance is actually an ordinary children's insurance, which only stipulates that the insured can receive the wedding money when he reaches a certain age. If you are between the ages of 21 and 50 and are in good health and able to work or work normally, you can take out marriage insurance for your healthy children between the ages of 12 and 15 or those who have a dependent relationship. When the insured survives until the expiration of the insurance period, the insurer will be able to pay the dowry.

This marriage insurance does not require the insured to be married, so it can be said that whether the marriage is married or not, the wedding money is correct. If the insured is disabled due to an accident during the insurance period, the insurer will also pay all or part of the insurance benefits according to the degree of disability. In the case of accidental death, the full amount of the insurance benefit will be paid, along with the death surrender benefit.

In the event of death due to illness, only the death benefit will be paid.

Matrimonial Accident Insurance is a comprehensive insurance plan for both term insurance, term annuity insurance, additional attendant accident insurance, and accidental medical expenses insurance. As long as the insured person is at least 21-50 years old, in good health, and able to work or work, he or she can insure a healthy or dependent child aged 12-15 years. The content of the insurance is that the insured survives until the expiration of the insurance period, and the insurer pays the survival payment, that is, the marriage payment.

If the insured is disabled due to an accident during the validity period of the insurance, the insurer shall pay all or part of the insurance benefits according to the degree of disability.

To buy insurance, you need to use a marriage certificate, depending on what kind of insurance it is. Buying insurance involves a lot of insurance knowledge that we need to understand clearly, it is recommended that you first take a look at this summary of insurance knowledge to help you understand insurance more deeply: super complete! Everything you need to know about insurance is here!

Marriage certificate is generally not required for the payment of social security, but if the social security maternity insurance is used for reimbursement, a marriage certificate is required, and the necessary materials for maternity insurance reimbursement include ID card, marriage certificate, family planning certificate, medical expense receipt, etc.

The purchase of commercial insurance generally does not require a marriage certificate, but if you buy commercial insurance insured by husband and wife, you will need a marriage certificate when purchasing or subsequently making claims.

Because without a marriage certificate, there is no legal relationship between two people, and from the perspective of insurance, there is no insurance interest relationship, and the insurance company will not underwrite it, so the husband and wife who do not have a marriage certificate cannot insure each other. Even if the insurance is successfully applied and there is no marriage certificate, the insurance company is likely to reject the claim on the grounds that the applicant is not the legal spouse of the insured. There are many precautions about husband and wife mutual insurance, and friends who need to buy husband and wife mutual insurance are recommended to take a look at this strategy first:

What is Mutual Insurance? Good no good? If you don't understand this, you will suffer a big loss!

In general, couples should buy critical illness insurance, medical insurance, accident insurance, and life insurance.

The probability of suffering from a critical illness in a person's lifetime is as high as 72%, and the cost of critical illness is relatively high, with an average of at least 300,000, which is a heavy burden for most families, so we need to configure critical illness insurance to reduce the financial burden when sick, and configure medical insurance to reimburse most of the medical expenses.

Accidents happen regardless of gender or age, so we should also configure accident insurance to transfer the financial risk caused by accidental injury.

Husbands and wives are basically the breadwinners of the family, and they also need to buy another life insurance policy to protect themselves and their families. In the unfortunate event that the insured person dies or becomes totally disabled, the Prudential Benefit of the Life Insurance Benefit allows the family to continue their daily life as normal. Finally, I will share a family insurance plan with you to help you buy the right insurance:

3 sets of plans, complete with the family's insurance.

A marriage certificate is required to buy insurance. SFZ: Indispensable, insurance is required, and insurance claims must be consistent as proof; Some customers SFZ is not around or shouts more than the effective crack period and does not replace it in time, the household registration certificate can be replaced SFZ Ming, some units are affiliated insured units (i.e. children or spouses), the children do not have SFZ, but the household registration certificate has the child's SFZ number, so it is necessary to mention the brother hunger for the household registration card; How to prove the relationship between husband and wife, marriage certificate is the only legal basis, if the employer is a female employee to protect maternity insurance, if a married female employee has an abortion, the insurance company will compensate for the operation fee, how to prove the legal husband and wife, only with the marriage certificate.

The three proofs you put forward must be related to the type of insurance insured by your unit, and provide a legal basis for future compensation.

Under normal circumstances, buying insurance is not needed by Zhaoshi, the simplest example is that students can also buy insurance, but it is also necessary to divide the type of insurance, if you want to buy maternity insurance or other insurance that requires marriage, you must also need a marriage certificate.

No, you don't! Look who you bought it for!

Let's talk about how to buy insurance for newlyweds? Friends who have this need recently should not miss this article, I believe that after reading it, you will be able to gain something.

1: Do I need to buy insurance when I get married?

It's not just newlyweds who need insurance, everyone needs insurance. The biggest role of insurance is risk transfer. When unknown risks come, you can get more financial security through insurance with the least pay, and your family life will not fall into a huge economic crisis.

2. What insurance do newlyweds need to buy?

1. Honeymoon travel accident insurance

Nowadays, many young people will arrange a honeymoon trip on the wedding itinerary in order to make their wedding more perfect. In addition to enjoying the world of the two of you, your honeymoon can also enhance your relationship with each other. At this time, don't forget to buy honeymoon travel accident insurance, especially when traveling independently, if you don't have insurance, you must bear the risks and losses during the trip.

Generally, honeymoon travel accident insurance is short-term, so in the choice of product, it is best to cover more time than travel time. This type of insurance policy is generally in effect from the day before or a few hours before the trip. Accident insurance is a must-have type of insurance, ** is not high, the amount of insurance is quite high, and the protection is quite comprehensive, in addition to ordinary accident protection, there are accident medical treatment, hospitalization allowance and emergency rescue services.

2. Medical insurance and critical illness insurance

Medical insurance and critical illness insurance are an insurance that newlyweds must not live without, why do you say that?

At present, with the increase of work pressure, many young people often have irregular work and rest, overdraft their bodies, and the risk of disease has risen sharply. In order to prevent financial stress due to health risks, it is best for newlyweds to buy medical insurance and critical illness insurance for everyone.

In the event of illness, medical insurance can be fully reimbursed, and critical illness insurance can also receive a lump sum payment, which is enough to cover the financial loss caused by the illness. Some critical illness insurance, with the function of exemption for the policyholder and the insured, is very suitable for couples to purchase. In the event of a change in one of the policies, there is no need to pay the premiums after the two policies and the protection will still be valid.

3. Life insurance.

In general, life insurance** is relatively high, and newlyweds can opt for term life insurance with relatively low premiums and higher protection.

Buy endowment insurance. The kind of 400 a month. That insurance is a mandatory savings.

The form of receiving and receiving the whole withdrawal. If you need money in the middle of the journey, you can also take the insurance policy to the insurance company for a loan. The interest rate is the same as that of the bank.

It's okay to pay it back in 2 months. There is still a safeguard effect. That's 20 years wide and 20 years to take.

Not much pressure. And you can get back more than 200,000 at the end of the period. This can alleviate the mortgage.

Pension. Healthy. Guarantee and one!

Xinhua's auspicious star can help you. You can call Xinhua's 95567 consultation!