What kind of insurance can a normal person pay?

Well, normal people can pay endowment insurance, social security and medical insurance, these two types of insurance are necessary.

The first batch of post-00s have just come of age, but the first batch of post-90s are approaching middle age, they used to drink the strongest wine and stay up the deepest night, but now they don't leave the thermos cup, and they can't wait to add wolfberries to the beer glass, time passes too fast, they feel that they are still teenagers, but middle-aged is close at hand, and what is more terrible than the "mid-life crisis" is to fall into the "health crisis" prematurely.

According to authoritative statistics, the lifetime chance of cancer is as high as 36%, and the prevalence of critical illness is as high as an astonishing 72%. The incidence of malignant diseases is getting higher and higher, and the age of onset of major diseases is getting lower and lower.

Buying insurance is really not about having money, but also depends on whether you are qualified, most of the young people's bodies are relatively healthy, and there is no need for a physical examination under a certain insurance amount, even if the physical examination is easy to pass the underwriting. When you are older, you will be required to have a medical examination. And if there are some physical problems, it is likely that you will be denied insurance, or you will be asked to increase the fee.

Who will be denied insurance and premium increases?

1.If you have hepatitis B, you will be charged more for insurance

Hepatitis B damages the liver and is an important contributor to liver cancer, and insurance companies are concerned about its potential impact on mortality. Therefore, for hepatitis B patients, insurance companies will strictly review the health status and require physical examination, for early patients can generally be underwritten, for patients in the middle and late stages, the rejection rate is very high. According to data from an insurance company, hepatitis B ranks first in the "list" of premium increases and refusals, accounting for more than 30%.

Pension medical care, financial management, serious illness, as long as you go to the insurance company to ask, there are too many personal financial products.

As an ordinary person, should I buy commercial insurance? Which should I buy? You need to know these points.

It is enough for ordinary people to have these kinds of insurance, and it is a waste of money to buy more. It is enough for ordinary people to pay attention to these kinds of insurance, which can save money and have a sense of security.

If you buy insurance, it is decided according to the different circumstances of each person and each family, don't follow the crowd, not that others say that it is good, but that it should be the best for yourself.

It is also necessary for ordinary people to buy insurance, but they must do what they can. The reason why it is necessary is to look at the people around and ** who have medical insurance have a major disease, but they still can't afford to treat it, they are bankrupt, they are in debt, and they have to start a drop of water to raise this and that. After all, medical insurance only reimburses the most basic medical expenses, not covered medical expenses.

The medical insurance can only reimburse the part that meets the medical insurance list and does not exceed the upper limit. Most of them are domestic drugs, and there are very few targeted drugs. Minor illnesses can be, but in the event of major illnesses, the medical insurance catalog and reimbursement ceiling will not work, and the overall planning of major illnesses in medical insurance is also capped, and many times it is impossible to solve the medical expenses of large critical illnesses, and individuals still have a large, even unbearable medical burden.

On the premise of medical insurance, if conditions permit, according to the individual's situation, it is certainly better to buy some supplementary medical insurance and other commercial insurance, so that you can get more comprehensive protection and eliminate worries to the greatest extent. Personally, I think critical illness insurance and personal accident insurance are the first choice. The most important role of insurance is to share the risk and transfer the risk, which can protect the economic loss caused by the risk.

Buying insurance depends on the individual's needs. But there is always no loss in one more protection, and no one can guarantee that our life will not be anything.

Further information: If there is a risk, you need to buy insurance. The risk may be 1% for everyone, but 100% for you. Generally speaking, there are three major risks that every family will face, and Bai Baojun will come to popularize science today.

1. The first risk refers to the risk of loss.

For example, the occurrence of accidental accidents and accidental illnesses can lead to a significant loss of family income, or even interruptions, and even serious family debt burdens.

2. The second major risk refers to the risk of expenditure, which refers to the rigid expenditure that the family must have in a certain period of time in the future, such as children's education, such as their own pension. If the cash flow is interrupted, it will have a serious impact on our original life and original plans.

3. The third risk is the risk of ownership, which refers to the risk that only a small number of high-net-worth people will face, such as the change of marriage will lead to the division of property and so on. Therefore, insurance is a lever to avoid unlimited financial losses with limited financial expenditures.

Whether ordinary people buy insurance or not mainly depends on the actual situation of the individual, if there is some surplus after deducting monthly living expenses and investment and financial management, then you can consider buying some insurance. From a practical point of view, you can first consider buying protection insurance, such as pension and medical care, and if you have extra funds, you can buy others.

Now with the improvement of living standards, ordinary people have extra money, so they are willing to buy an insurance for themselves, and I think ordinary people should also be insured.

Ordinary people can buy it if they can. Buy more insurance, more protection. It is better to decide based on your actual past situation.

Not necessarily.

Insurance is not very reliable now.

When the claim is settled, it starts to rip off.

It is necessary to buy insurance for future unexpected diseases, anyone will have a probability, and the money in hand is enough, so it is recommended to buy it.

It's okay to be rich in money, and there's no need to look at others if it's up to you.

A minimum of health insurance is a must.

Any bai person is an ordinary person, and in reality, there is no one who can fly to the sky.

As long as people are old, sick, dead, and disabled, there are problems.

And insurance is a tool to solve these problems.

It's not a question of whether it's necessary to buy, it's a question of how much to buy.

After all, it is much easier to invest in 1 million insurance than to earn 1 million.

However, insurance is not simple, and it requires the patience and carefulness of the policyholder. If you don't pay attention, it's easy to fall into the "pit" of insurance. For people who understand insurance, buying insurance is as simple as eating a family meal, but it is not simple for insurance novices.

Let me tell the insurance "novices" which pitfalls should be avoided when buying insurance.

First, the principle of buying insurance.

In fact, buying insurance is also about the rules, as long as you understand the rules, you can effectively avoid those pitfalls.

For those who don't know what the rules are for buying insurance, let me tell you:

1. Adults first and then children.

When many parents configure family insurance, the first thing they think of is to prepare it for their children.

This approach is not quite realistic.

Because the child is unfortunately sick, the adult can still make money for the child**.

If the protection of the adult is not sufficient, if the adult has an accident, there will be no one to maintain the family's finances.

Therefore, as the breadwinner of the family, you must first do your own security.

2. Protect first and then manage your finances.

The most important role of insurance is to transfer risks, and we must first put personal protection in place, and then consider financial management.

What I am more opposed to is that I want to buy products with financial management functions if the protection is not enough.

3. Recognize your budget and health status.

The budget here refers to the total amount of money a household spends on insurance. It is generally recommended that a total budget of 10 per cent of the total household income will be sufficient. As for health status, it is related to health notification, which also determines whether you can be insured or not.

4. Product guarantee is more important than the company.

Many friends will ask me which insurance company is better to buy. I always tell them: start with the product!

When you buy insurance, you buy the product and protection, not the company's logo. The products of large companies do not necessarily mean that they are good, and the products of small companies do not necessarily mean that they are bad. The key is to choose the right product for yourself is the best.

In fact, all kinds of people need to buy insurance, whether it is a healthy young person, a friend or an elderly person, they all need to buy insurance. After all, we have risks at any stage of life, such as health risks, accident risks, etc., and we all need insurance products to transfer the corresponding risks for us.

How to buy insurance for different age groups? Everyone should have their own plan

So in the next time, the senior sister will introduce to you what insurance people of different ages need to buy! Don't talk nonsense, go straight to the dry goods!

1.Kids

Because of the child's young age, poor sense of self-protection and other reasons, the child will always encounter the invasion of illness or accident, once suffering from a serious illness or accident, not only will the child's physical and mental traces suffer a huge blow, the whole family will also fall into endless self-blame.

Therefore, it is necessary to configure critical illness insurance, medical insurance and accident insurance products for children to help families resist the financial risks caused by their children's critical illness or accidents!

2.Middle-aged

For middle-aged people, this time can be said to be in the stage of "old and young", and they are also responsible for the main economy of the family, and there is no room for mistakes.

Therefore, the insurance that middle-aged people want to allocate should also be relatively sound, and it is generally recommended to buy critical illness insurance, million medical insurance, accident insurance and life insurance.

And as we all know, a critical illness requires huge medical expenses, and critical illness insurance can not only allow the insured not to worry about the money for treatment, but also make up for the economic losses caused by the critical illness, such as lost work expenses and nutrition expenses.

So what kind of critical illness insurance is currently on the market that is worth insuring for middle-aged people? Senior sister will tell you in one article:

Top 10 Popular Critical Illness Insurance Points Worth Buying!

3.Older adults

Because the elderly are older and their physical health is declining, many insurance companies have fewer opportunities to provide coverage to the elderly.

However, the elderly can choose to take out cancer insurance and accident insurance, these two insurances are relatively friendly to the elderly, not only the health notice is relaxed, but also the upper limit of the insurance age is also very high, basically can reach 70 years old, or even 80 years old!

What are the insurance for the elderly, and what insurance is good for your parents, you all need to knowHope.

In fact, insurance is necessary for everyone to a certain extent. No matter what the status, such as children, family breadwinners, the elderly, housewives, white-collar workers, etc., they all need insurance to protect themselves. After all, no one can avoid the risk of accidents or illness.

Therefore, insurance is more needed to protect you. For those who are still struggling with whether to buy insurance, you may wish to take a look at the following article:Should I buy Chaihong Insurance?

If you don't take risks, won't the money be spent in vain?

The members of each family have different insurance plans according to their age and stage. As the breadwinner of the family, it is generally recommended to allocate critical illness insurance, medical insurance, accident insurance and life insurance; As a little baby in the family, it is generally recommended that children purchase critical illness insurance, medical insurance and accident insurance; If it is an older group, such as grandparents' generation, it is generally recommended to configure medical insurance, cancer insurance and accident insurance. The insurance that needs to be bought at different ages is different, and those who want to know more can take a look at the following article:

How to buy insurance for different age groups? Everyone should have their own plan

After reading the above content, I believe you also understand whether you need to buy insurance. However, when buying insurance, it is best to choose according to your actual situation and financial ability. Senior sister reminds everyone to pay attention to the following aspects when choosing insurance products:

1. Whether the insurance content is complete, for us, the insurance content is the personal protection that can be obtained, so it must be comprehensive, such as critical illness insurance, in addition to basic protection, it is best to provide high-incidence critical illness multiple claims and other protection; 2. Payment period, generally speaking, the more flexible the payment period, the more friendly it is to consumers, and consumers can choose freely according to their economic ability. What else should I keep in mind? Take a look at the following article:

Before buying insurance, you must first understand these key knowledge points!

Hope.