What insurance is good for ordinary people to buy, and what insurance is good for ordinary individua

Generally speaking, it is better to buy critical illness insurance, medical insurance, and accident insurance, and if you are in the position of the pillar of family finance, you can configure a life insurance.

So why buy the above types of insurance? Senior sister, I'm going to explain it to you.

In a person's lifetime, the probability of suffering from a critical illness is as high as 72%, and the cost of a critical illness is usually calculated in tens of thousands. Therefore, once suffering from a serious illness, it will not only bring patients the pain of the disease, but also a huge financial burden, which is difficult for ordinary migrant workers to bear. However, if there is a critical illness insurance, there is a chance to get a sum of money to tide the patient through.

It can be seen that it is very necessary to allocate a critical illness insurance as soon as possible.

Medical insurance is a reimbursement for the ** expenses incurred due to illness in accordance with the provisions of the contract. Although it is similar to the role of medical insurance, its reimbursement scope is wider than that of medical insurance, and the reimbursement ratio is higher than that of medical insurance.

There is also accident insurance to provide protection for accidental injuries, everyone faces more accident risk factors in life, buy an accident insurance, you can get more protection.

Finally, there is life insurance. Life insurance mainly protects the death of total disability, which is more suitable for the family's economic pillar configuration, because the economic pillar is the main economic ** of the family, if the economic pillar is unfortunate, the family's economic system is likely to face collapse.

Therefore, one should purchase a life insurance policy in case you need it.

So what are the life insurance policies on the market that are worth buying? After reading this collection, you will know: the top ten life insurance rankings worth buying!

Hello! At present, there are many insurance products on the market, for the average person, if you want to add protection to yourself, you should choose according to your own needs, but generally speaking, accident insurance, health insurance, life insurance and other types of insurance should be considered. The specific description is as follows:

1. According to data, the number of accidental deaths and injuries in China in the past ten years is nearly 100 million. Globally, about 3.5 million people die each year from unintentional injuries, accounting for about 6% of all human deaths. For the average person, the probability of accidental injury is extremely high.

Therefore, it is recommended that most people buy insurance to give priority to improving accident protection.

2. After the average person has done enough accident protection, the second step is to pay attention to health protection, but the average person who buys health insurance is "different from men and women". First of all, when men apply for health insurance, it is recommended to give priority to critical illness insurance, and the amount of critical illness coverage should not be less than 10 times of the annual income. Secondly, the female system is special, so when women buy health insurance, they should pay attention to whether the product covers special female diseases such as breast cancer, cervical cancer, ovarian cancer, and female carcinoma in situ.

3. After doing the full basic security, the average person should also take responsibility for his family. Especially for the breadwinner of the family, it is necessary to have a strong sense of responsibility, and it is necessary to insure a suitable life insurance.

What kind of insurance is good to buy depends on your own needs. If you are insuring your child, consider that you will face risks in your daily life, such as illness and accidental injury. Therefore, it is better to purchase children's critical illness insurance, medical insurance, and accident insurance for protection.

However, when insuring your child, you need to pay attention to the following: In-depth article - how to buy insurance for your child? Netizens shouted: Why did you only see it now.

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.

Is it worth buying insurance, what insurance is good to buy.

Accidental, medical, and critical illness are basic benefits.

The key is to see what problems you solve with insurance.

The insurance suitable for ordinary people to buy is accident insurance, critical illness insurance, medical insurance, life insurance and endowment insurance.

1.Accident insurance. Accident insurance premiums are relatively low, leverage is generally high, and accidents are often unpredictable, so it is necessary to allocate accident insurance.

2.Critical illness insurance. Purchasing critical illness insurance can effectively provide critical illness protection, passing on the high ** cost to the insurance company, and the younger the health and age, the lower the premium.

3.Medical insurance. As a compensatory type of insurance, medical insurance can be purchased with critical illness insurance, and the reimbursement scope and proportion of medical insurance are larger than that of social insurance, and medical insurance can compensate for a part of the medical expenses and alleviate the economic pressure caused by medical expenses.

4.Life. The breadwinner of the family bears heavy family responsibilities, and in the event of death or loss of self-care, it will bring a lot of losses to the family, so you can buy life insurance to make up for possible risk losses.

5.Pension insurance. If the financial ability allows, the sooner you buy endowment insurance, the better, you can extend the savings time and get pension security in advance.

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