How to buy personal insurance, critical illness insurance, accident insurance, and life insurance

If the financial conditions allow, adults need to have complete critical illness insurance, million medical insurance, accident insurance, and life insurance. It should be noted that buying insurance should be bought according to the actual situation of the individual, and the types of insurance bought by different groups of people will be different.

Everyone should have their own plan.

Let's explain the role of these four types of insurance:

1. Critical illness insurance.

If the insured is diagnosed with a disease agreed in the critical illness insurance contract and meets the conditions for claims, he or she can get the insurance money of the critical illness insurance, which can be used for unlimited purposes, such as paying medical expenses and making up for loss of income. Senior sister has screened out several excellent critical illness insurance from the market, you can pick and choose: Top 10 popular critical illness insurance points worth buying!

2. Million medical insurance.

Medical insurance has restrictions such as the cap line and the starting line, the reimbursement ratio, etc., and the configuration of million medical insurance can be used as a supplement, and the reasonable medical expenses incurred when you are sick and hospitalized can be reimbursed with millions of medical insurance after a part of the social security settlement.

3. Accident insurance.

Accidents can happen anytime and anywhere, accident insurance is specifically to protect personal injury caused by external, sudden, unintentional, non-disease events, and the insurance threshold of accident insurance is low, the premium is not expensive, men, women and children can configure one.

4. Life insurance. Adults generally bear the main financial responsibility of the family and need to buy life insurance, the role of life insurance is that if you unfortunately die, the compensation of life insurance can at least allow the family to maintain their lives for a period of time. This article also explains in detail the functions of the four types of insurance, so you may wish to take a closer look:

What is the difference between critical illness insurance, medical insurance, accident insurance, and life insurance? Will there be a conflict when making a claim?

My advice is: the sum insured should be sufficient, the protection should be complete, and the premium should be reasonable.

Medical insurance also needs to be considered, which can be determined according to your situation, in this case, it is recommended to find a professional insurance broker, because ** people will be limited to their own company's products, and there is no advantage in cost performance and product line.

Critical illness insurance is not only to cover the cost, but more importantly, to compensate for future economic losses;

Accident insurance covers the risks in ordinary life, such as bumps, cat's paws, dog bites, etc.;

Life insurance is more often a reflection of the protection of family responsibilities, such as housing loans, car loans, elderly support, children's education, etc., once the family pillar has an accident, it will not affect the existing quality of life.

Each insurance product is suitable for different scenarios and the scope of coverage is also different.

Critical illness insurance requires the insured to have a critical illness as agreed in the contract before it can be paid. Although most critical illness insurance products also pay for death and total disability, the compensation expenses of critical illness insurance are mainly to help the insured not to reduce the quality of family life due to the loss of ** expenses and income after suffering from a critical illness, and can also quickly recover a healthy body due to the existence of ** expenses.

Accident insurance is the death and total disability of the insured caused by an accident before the claim can be claimed. However, the conditions for the payment of accident insurance are relatively strict, and the "accident" condition must be met. When you buy accident insurance, you should pay attention to the liability exclusion in the insurance clause to avoid finding that you cannot make a claim when you make a claim.

However, accident insurance is more cost-effective and has relatively less cost, and it is also the preferred insurance product for many people.

Life insurance is a claim for the death and total disability of the insured person for any reason, whether accidental or non-accidental. For most people who buy life insurance, it can be used as a supplement to pension expenses, or it can be a directional fund inheritance. Life insurance is more of a necessary protection option for family breadwinners, even if they die unexpectedly, the parents, wives and children of the family can still ensure that the existing quality of life does not deteriorate.

Life insurance is divided into term life insurance and whole life insurance. Among them, term life insurance does not contain savings factors, and its premiums are lower than other life insurance in the case of equal sum insured, and you can freely choose the length of the insurance period according to your own needs, from 1 year to 5 years, 10 years, 20 years, and even 30 years, with a certain degree of flexibility. It is more suitable for families with a limited budget, after all, they can get the maximum amount of protection with the lowest premium payment.

Moreover, there is no restriction on whether the risk incurred is an accident or not, and term life insurance has a wider range of coverage than accident insurance.

Although critical illness insurance and accident insurance also pay for death and total disability, there are still certain differences compared with life insurance. When you buy insurance for yourself, you need to choose more based on your personal circumstances. If the budget is right, comprehensive coverage is a great option.

Hello! At present, the main insurance products in the insurance market are mainly accident insurance, health insurance, critical illness insurance and commercial pension insurance.

I don't know much about your age, occupation, etc., so I can only give you some general advice that I hope can help you! It is recommended that you give priority to improving the protection responsibilities of accident insurance, accidental medical treatment, critical illness, health care and other aspects.

It should be reminded that to purchase commercial insurance that is suitable for you, it is best to analyze it according to your current protection status, financial ability, and physical health.

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

You can buy Ruixin of China Life, which is very comprehensive. Or purchase critical illness insurance and accident cards separately. The premium is best 10% of your annual income. If you want to know more details, you can ask.

If you don't say anything, how do you know what you're suitable for?