What insurance is better for individuals to buy, and what is the best for personal insurance

It is generally better for individuals to buy insurance for critical illness insurance, accident insurance, life insurance and medical insurance.

Accident insurance: low insurance threshold, low premium, and total disability protection for accidental death, suitable for most people;

Critical illness insurance: Covers critical illnesses, and claims can be obtained when the critical illnesses agreed in the contract are diagnosed, with strict underwriting, high health requirements, and suitable for healthy individuals to be insured;

Life insurance: protection against death, with the death of the insured as the payment condition, compensation for family losses, suitable for family economic support;

Medical insurance: As a supplement to social security, medical expenses can be reimbursed to provide necessary protection for individuals.

When buying insurance, you need to pay attention to the choice of the sum insured, the protection responsibility and the important provisions of the contract.

1. Selection of the amount insured: choose the amount of insurance according to the economic level of the policyholder and the needs of the insured, the amount of insurance should not be too high or too low, and the right one is the best;

2. Guarantee responsibility: on the basis of ensuring comprehensive protection, we should pursue dividend income, and do not blindly pursue high returns and ignore protection;

3. Important provisions of the contract: pay attention to the important provisions in the insurance clauses, such as the hesitation period, exemption clauses, claim standards, etc., you can use the hesitation period to avoid surrender losses, and be familiar with the exemption clauses to avoid the situation that you cannot make a claim after the accident.

Test your anti-risk index, experts will interpret it for you for free!

The senior sister suggested that if you buy insurance for individuals, it is best to give priority to the configuration of critical illness insurance, million medical insurance, accident insurance and life insurance, and then after the above types of insurance, if you still have spare money in your hands, you should consider the allocation of annuity insurance, increased whole life insurance and other financial insurance.

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

So next, the senior sister will introduce to you, why give priority to buying critical illness insurance, million medical insurance, accident insurance and life insurance? Don't talk nonsense, go straight to the dry goods!

1.Critical illness insurance.

According to Ping An Life's 2022 claims annual report, Ping An Life paid 230,000 critical illness claims throughout the year, with a cumulative compensation of 20.1 billion yuan.

Among them, 42% of men's critical illness claims and 58% of women's critical illness claims!

The cost of suffering from critical illness ranges from hundreds of thousands to millions, which can be said to be an astronomical amount for ordinary families, so it is necessary to use critical illness insurance to resist the economic risk caused by the insured suffering from critical illness.

What are the critical illness insurance policies that are worth taking out at the moment? Senior sister will tell you in one article:

Top 10 Popular Critical Illness Insurance Points Worth Buying!

2.Million Medical Insurance.

Million Medical Insurance will reimburse the insured for reasonable and necessary medical expenses incurred by hospitalization due to illness during the insurance period, as long as it meets the coverage of Million Medical Insurance and exceeds the deductible.

You can also use the million medical insurance as a supplementary product to the social medical insurance, such as targeted drugs, out-of-hospital special drugs, overseas medical treatment and many value-added services (such as advance payment services, green channels), which cannot be protected by the social medical insurance, can be seen in most of the million medical insurance.

3.Accident insurance.

As long as an accident occurs, there will be a certain economic loss, and accident insurance can resist part of the economic loss caused by accidental injury, and the compensation of accident insurance can make the insured get better to a certain extent.

4.Life.

For those who have become and are becoming the breadwinners of their families, if this group of people unfortunately passes away, a reliable life insurance policy can help their families maintain basic daily life.

Top 10 Life Insurance Worth Buying!

Buying insurance is to consider the most feared risks according to the stage of your life, and transform the uncertain family financial risks into a definite contract through the scientific system of insurance!

First, ask the right person and consider the position of the person who gave you the answer.

Second, according to your situation, choose the right person, what, how to match, how much, how much to spend, etc., third, choose the right company, according to the product characteristics of different companies to choose the most optimal combination of multiple companies to buy Zhengde wealth - take the right way to get wealth.

If you want to solve any problem through insurance, buy the corresponding type of insurance.

Buy accident insurance and critical illness insurance first, millions of medical treatment and millions of dollars.

Whether you buy accident insurance or sickness insurance.

Generally speaking, a comprehensive protection plan requires four major types of insurance: critical illness insurance, term life insurance, medical insurance, and accident insurance, but each individual needs to purchase insurance with different intentions and needs, and cannot be generalized. The insurance strategy is sent for your reference: "The correct insurance posture will teach you how to apply for insurance in a few minutes!"

Different ages, different incomes, different occupations and health conditions have different allocation methods.

The first step is to look at the demand.

The main purpose of buying insurance is to transfer risk.

Calm down and think about where you are and see what risks you want to transfer through insurance.

The second step is to look at the budget.

If you are not sure about the specific amount, there is a classic Double Ten principle in the insurance industry, which is to buy about 10 times the annual income of about 10% of the annual income as the standard.

At the same time, you should also consider the stage of your life and flexibly adjust the type of insurance you purchase and the amount of coverage.

The third step is to look at the product.

When choosing insurance products, with "priority protection and prudent financial management" as the core, we will first allocate protection products, mainly including medical insurance, critical illness insurance, accident insurance, and life insurance; On this basis, we will consider wealth management insurance.

In general, according to the importance and urgency of safeguards,The order in which insurance is purchased is:

Medical insurance, accident insurance, critical illness insurance, life insurance, education funds, pensions, and other insurances.

If you want to buy insurance without stepping on the pitfall, and it is practical and cost-effective, you must remember these points:

1. Live within your means, control the budget, and the premium should not exceed 10% of the annual family income.

2. The allocation of insurance should take into account family members and give priority to the economic pillar of the family.

3. Read the insurance contract clearly and pay attention to the comparison of products.

Hope the above information is helpful to you!

It is often said within the insurance industry".Seven policies for lifeIt is an accident insurance policy, a serious illness medical policy, a life insurance policy, a children's accident, hospitalization, serious illness policy, a children's education policy, a pension policy, a inheritance policy, of course, taking into account your own willingness to buy and economic situation, it is roughly divided into the following three levels:

The first layer: the basic protection necessary for everyone: accident insurance policy + critical illness medical policy + life policy.

It is said that it must be closely related to our lives, and it is said that it is based because the premium of several thousand dollars a year is not high. No one knows which will come first, tomorrow or the accident, and the leverage effect of accident insurance with low premiums and high protection can balance the economic losses caused by many "unlucky" things in life. In recent years, the incidence of malignant tumors has become higher and higher, and more and more people around them are shrouded in the haze of malignant tumors.

If you are stable in your old age and die without illness, then a life insurance policy can also help you live after you die, and you can walk in a beautiful way without burdening your children.

The second layer: the stability of each family: children's accident, hospitalization, serious illness policy + children's education policy + pension policy.

If you get married and have children in the future, the most important thing is definitely your children, so why expose your children to risks while covering yourself with accident insurance and serious illness medical treatment? The economy has been moving forward and inflation has persisted, so it is of course cost-effective to start the insurance with a fixed annual payment and pay for a fixed amount of time for a certain period of time. Calculate an account, if an insurance requirement is paid 6,000 yuan a year for 20 years, then what will become under the pressure of inflation?

The per capita GDP in 2017 was 59,261 yuan, and the per capita GDP in 1997 was 6,481 yuan. Therefore, although the children are young, they will receive very considerable benefits in the long term if they apply for insurance as soon as possible.

The third layer: the inheritance of love behind the death: the inheritance of the policy.

People will eventually leave the day when they leave, and what will be left behind after leaving the people around them is a dream or a nightmare? We've heard too many stories of people who have left behind huge debts, and we've heard the news that cemeteries are now more expensive than house prices, so should the insurance company give their families a little comfort or make them have to spend a lot of money when they lose a loved one? Legacy insurance is not only an insurance policy, but also a inheritance of love for your family.

If you don't know so much about insurance, it is recommended that you contact a professional insurance brokerage company to plan an insurance plan for you, and we will choose the insurance products available on the market for you from the perspective of an independent and impartial third party You can also click here to click on me to intelligently calculate the protection plan that suits you

Sycamore Tree Insurance Network helps you answer your questions

Adults can consider the following types of insurance when purchasing insurance, such as accident insurance, medical insurance, critical illness insurance, life insurance and pension insurance.

1. Accident insurance.

Comprehensive accident insurance can be selected, which can cover accidental medical expenses in addition to death and disability, which is more practical for the general person.

2. Medical insurance.

Medical insurance should consider the deductible and the proportion of compensation, although the deductible is as low as possible, but the amount of insurance protection with a low deductible is not high, and it can not play a good supplementary role for serious illnesses, so you can choose to add to the insurance for hospitalization, and the cost of hospitalization can be claimed.

3. Critical illness insurance.

Although everyone thinks that critical illness insurance is not needed, once it encounters a blow to the family, it is huge, after all, it is difficult for ordinary families to come up with the best expenses at one time, plus the loss of income during the later recuperation and treatment, the fixed payment function of critical illness insurance is not only helpful for the early stage, but also for the later recuperation.

4. Life insurance. Although life insurance has no effect on itself, it protects the life of the family, especially as the pillar of the family, once it falls, the impact on the family is huge, a life insurance can be used to save the family economy, for the mortgage car loan, children's education, the elderly are of great help.

5. Pension insurance.

Pension insurance is to protect their own future, in order to not decline in the quality of life of the elderly, it is far from enough to rely on basic pension insurance, as soon as possible to plan an endowment insurance for themselves, to achieve economic freedom in old age, so that "the old have something to rely on".

Different age groups face different risks, and they don't need to buy insurance.

Don't know what kind of insurance to buy? Experts tell you: buy these kinds, you must be right".

Second, let's consider health insurance. If you need limited money, you can buy a consumer-based health insurance product, such as hospitalization medical insurance. This type of insurance has low premiums and high protection, and is relatively cost-effective.

If you want to get a dedicated critical illness cover, you can purchase a separate critical illness insurance.

Stage 1: Minors

Children in this period are more naughty, every year about some children news emerges in an endless stream, training children for many years, energy and money have long been consumed, accident insurance is a necessary protection at this age.

The second stage: the beginning of the social period

Contemporary young people are generally moonshine people, so they can get a medical insurance at this time, just to be able to give themselves a protection when they are sick without increasing their burden.

Stage 3: Married Families

At this stage, he is the pillar of the family. At this time, it is time for us to choose an accident insurance and critical illness insurance, which is not only a protection for ourselves but also a protection for our families.

Stage 4: Towards the end of life

At this time, your insurance threshold is increasing step by step, and you have passed the age of a bunch of insurance types for you to choose. At this time, you can choose cancer insurance.

Mint Insurance is a third-party insurance consulting platform, which intelligently matches sales consultants according to user needs, and the platform housekeeper provides one-to-one full service before and after insurance.

Buying insurance is a science, and many people have not yet figured out what insurance is and what insurance does, so they begin to choose blindly, listen to the recommendations of people around them, and don't even know what they have bought. In the end, I spent money but didn't get the protection I wanted.

Hello, I am Chinese Life (Chongqing) Insurance, insurance is mainly divided into, health care, accident, pension, children's education, according to personal needs and economy.

Hello, the first thing an individual should buy is health insurance, because the air is no longer fresh and the food is no longer safe, so buying critical illness insurance is the first choice.