Which types of insurance should be bought, and which types of insurance should be mainly bought

Critical illness insurance, medical insurance, accident insurance and term life insurance are all relatively important protection insurance, and you can give priority to these types of insurance.

However, not all protection insurance is suitable for all people, and you still need to choose according to your actual insurance needs.

Insurance is generally purchased with accident insurance.

Critical illness, life and medical insurance.

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

2. Critical illness insurance: Critical illness insurance: Critical illness can be claimed if the critical illness agreed in the contract is diagnosed, with strict underwriting, high health requirements, and suitable for healthy individuals to be insured;

3. Life insurance: protect the death, take the death of the insured as the payment condition, compensate for the loss of the family, and is suitable for the purchase of the family's economic support;

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

Short Description:1Critical illness insurance.

It refers to health insurance that is conditional on the occurrence of illness as stipulated in the insurance contract.

The most widely used is critical illness insurance.

Critical illness refers to a condition that costs a lot of money to treat and seriously affects the normal work and life of the patient and his or her family for a long period of time, such as malignant tumors.

There are also types of insurance such as cancer prevention insurance for special coverage for malignant tumors. Critical illness insurance is the most expensive and easiest type of insurance in the general insurance, and you must be careful when you see a critical illness insurance of 10,000 yuan at every turn.

2.Medical insurance.

At present, it is not enough for us to only buy critical illness insurance, and there are minor illnesses and disasters that may occur at any time cannot be ignored. Buy a million medical insurance, spend a few hundred yuan a year, easily get millions of protection, and solve the part that cannot be reimbursed by medical insurance.

3.Accident insurance.

You never know which will come first, the accident or tomorrow, and although this is a phrase that is about to be said rotten, we cannot deny its truth. Therefore, accident insurance should be the insurance that everyone needs, and ** is also very low. At this age, once an accident happens, you can't continue to take care of the family.

Therefore, it is very necessary to configure accident insurance.

4.Term life insurance.

It refers to life insurance that is conditional on the death of the insured and the insurance period is a fixed number of years. Term life insurance generally covers up to 20 years, 30 years or the insured is 60 or 70 years old, etc., and the main solution is that if the family breadwinner dies or becomes totally disabled during the family liability period, he can pay a lump sum of insurance benefits.

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

Generally speaking, we should follow the principle of protection first and then financial management when buying insurance, so if we buy insurance, it is better to first configure critical illness insurance, million medical insurance, accident insurance, term life insurance and other personal protection insurance.

In life, the risk of illness, accident and death has to be prevented, and these personal protection insurance will have sufficient protection for the risk of illness, accident and death.

Friends who don't know about these types of life protection insurance, you can take a look at this article: What is the difference between critical illness insurance, medical insurance, accident insurance, and life insurance? Will there be a conflict when making a claim?

Critical illness insurance is mainly an insurance that provides protection for the diseases agreed in the policy, and the main role of the claims of critical illness insurance is to make up for the economic losses during our illness, and the use of the claims of critical illness insurance is not limited, we can use it to pay ** expenses, and it can also be used to subsidize families, etc.

Million medical insurance is mainly used to reimburse the first expense of our illness and hospitalization, compared with medical insurance, the reimbursement scope of million medical insurance will be wider, and many million medical insurance can also be reimbursed for imported drugs.

Accident insurance is mainly used to protect personal injury caused by external, sudden, unintentional and non-disease events; Term life insurance is suitable for the family's breadwinner, and it is not the family that protects themselves, but their families, ensuring that their lives can proceed normally in the event of misfortune.

However, the senior sister would like to remind everyone that for people of different ages, the types of insurance we need to configure may be a little different, and the most important thing for everyone to buy insurance is to determine according to their own protection needs.

In daily life, everyone is most often faced with the risk of illness and accidents, so insurance should give priority to critical illness insurance, medical insurance and accident insurance. If you are the breadwinner of the family and face the financial risk of death, you also need to have a term life insurance.

Let's analyze why you should buy critical illness insurance, medical insurance, accident insurance and term life insurance. Friends who are in a hurry, you can collect this insurance strategy first to ensure that the dry goods are full:[Insurance] which is good, how to buy a good deal, hand in hand to teach you to avoid these pitfalls of insurance

1. Critical illness insurance

Critical illness insurance mainly provides critical illness protection, and common benefits also include moderate illness protection and mild illness protection, please check this article for details:What illnesses are covered by critical illness insurance? If you don't know these, don't buy them randomly!

Critical illness insurance is a benefit-based insurance, and if the insured suffers from an illness agreed in the contract and meets the conditions for claims, the insurance company will pay a lump sum of insurance benefits. This claim payment is not limited to the purpose, it can be used for **, it can also be used for follow-up ** and care, and it can also be used as a living reserve, which is very practical.

2. Medical insurance

Medical insurance can reimburse necessary and reasonable medical expenses within the prescribed range, such as hospitalization, surgery, medicines, etc. Among them, the cost performance of millions of medical insurance is relatively high, and adults generally have a premium of several hundred or thousands of yuan a year, and they can buy millions of medical insurance, which can effectively reduce the economic pressure when seeing a serious illness.

3. Accident insurance

Accident insurance usually provides accidental death, accidental dismemberment and accidental medical protection, which can effectively transfer the financial risk caused by accidental injury. The ** of accident insurance is relatively close to the people, and you can buy more adequate protection for a few hundred yuan. Some products with accidental medical benefits can also share the cost of medical expenses that may occur due to accidents.

4. Term life insurance

Term life insurance can provide death benefits for a certain period of time. If the insured unfortunately passes away during the insurance period, the insurance company will pay a lump sum of insurance money to help the family tide over the financial difficulties, which is more suitable for the family breadwinner. The elderly and children usually do not bear the financial responsibility of the family, so it makes little sense to buy term life insurance.

If you want to know more about these common protection plans, you can supplement this article:What is the difference between critical illness insurance, medical insurance, accident insurance, and life insurance? Will there be a conflict when making a claim? Hope.

It is best to buy insurance and choose the four major types of insurance such as critical illness insurance, accident insurance, life insurance, and medical insurance, because the biggest role of insurance is protection. When ordinary people buy insurance, it is best to do a good job of basic protection for themselves first, and then consider financial insurance. For those who don't know much about the above types of insurance, you can read this article first:

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

1. Life insurance. Life insurance is more suitable for the family's breadwinner, during the insurance period, the insurance company will pay a sum of insurance money if the insured unfortunately dies or is totally disabled and meets the corresponding conditions. This money is usually left for the family to cover the corresponding debts, so as to avoid serious impact on the family's life.

2. Accident insurance.

Accident insurance mainly covers personal injury caused by external, sudden, unintentional, and non-disease events. Everyone is equal in the face of accidents, and accidents such as falling objects from heights, unfortunate slips and falls are staged every day. Equip yourself with an accident insurance and have more peace of mind.

For those who still have doubts about accident insurance, remember to take a look at this article:【Accident insurance】Whether to buy, how to buy, what are the types, comprehensive analysis, comparative evaluation

3. Medical insurance.

Although most of the partners have medical insurance, there are restrictions on the coverage and reimbursement ratio of medical insurance. Medical insurance can reimburse the medical expenses agreed in the contract, thereby helping us reduce the corresponding burden of ** expenses. Among them, millions of medical insurance can usually buy millions of insurance amounts with a few hundred premiums a year, which is very cost-effective.

4. Critical illness insurance.

Critical illness insurance mainly protects critical illness, during the insurance period, the insured is diagnosed with a critical illness specified in the contract and meets the corresponding claim conditions, the insurance company will pay compensation according to the insurance amount agreed in the contract, and this insurance money can be used for ** fee or compensation for loss of income. Senior sister here's a critical illness insurance purchase guide, everyone remember to collect:Which is the best critical illness insurance, how to buy it cost-effectively, and teach you to avoid these pitfalls of insuranceHope.

What kind of insurance to buy insurance is good, you need to combine your own needs and economic situation. If it is the breadwinner of the family, then it is necessary to allocate critical illness insurance, medical insurance, life insurance and accident insurance. For children, they can be equipped with children's critical illness insurance, medical insurance, and accident insurance.

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

If the economic situation allows, after the allocation of protection insurance, there is a need to configure annuity insurance, increased whole life insurance, two types of insurance with financial nature. However, it should be noted that the total family premium should not exceed 20% of the family's annual income, otherwise the family financial burden may be heavier. Buying insurance is not an easy task, you can take a look at these key knowledge points before applying for insurance:

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

In addition to paying attention to what insurance to buy, the content of insurance, the allocation of the insured amount, and the strength of compensation also need to be paid special attention to. For example, the cost of critical illness is relatively expensive, starting from tens of thousands, and more may require hundreds of thousands or even millions to grind Hu Shenxiang. Therefore, it is reasonable for the sum insured of critical illness insurance to be generally allocated at about 500,000.

So how should the sum insured of other types of insurance be configured? Everything you want to know is here:

How much insurance is appropriate? Let's talk about the doorway inside.

Hello, Ping An Insurance Company, as one of several large insurance companies in China, has a relatively comprehensive range of insurance.

The types of insurance can be mainly divided into: travel insurance, health insurance, accident insurance, life insurance, home property insurance, and enterprise insurance.

According to the way of insurance implementation, it can be divided into voluntary insurance and compulsory insurance.

According to the insurance subject, it can be divided into individual insurance and group insurance.

According to the business protection object, it is divided into four categories: property insurance, life insurance, liability insurance and credit insurance.

Life insurance mainly includes: personal accident insurance, sickness insurance (also known as health insurance), life insurance (divided into death insurance, survival insurance and both).

The main types of insurance of general insurance companies are divided into: car insurance, accident insurance, travel insurance, health insurance, life insurance, property insurance, enterprise insurance, etc.

In addition, there are many other different ways to divide the stool wheel, I hope it will be helpful to you.

Extended reading: [Insurance] How to buy, which one is better, teach you to avoid these insurance"pits"

Summary. Hello, if you refer to car insurance, then you can buy compulsory traffic insurance, car damage insurance, and third-party liability insurance. If it refers to life insurance, then you can take out accident insurance, medical insurance, and these two types of insurance.

Hello, if you refer to car insurance, then you can buy compulsory traffic insurance, car damage insurance, and third-party liability insurance. If it refers to life insurance, then you can take out accident insurance, medical insurance, and these two types of insurance.

For example, if you want to insure your vehicle, then compulsory traffic insurance is a must, and car damage insurance and third-party liability insurance are also very practical insurance, and it is also recommended that you take out insurance.

If you want to insure yourself, then personal accident insurance and medical insurance are recommended, because in the event of accidental injury, or illness and hospitalization, the insurance company can reimburse the claim.

Buy insurance: 1. Accident insurance, no health notice, the protection is mainly accidental disability, and the compensation will be paid proportionally according to the level of disability of the sharp return; Accidental death means accidental death; Accidental medical treatment refers to the reimbursement of medical expenses incurred unexpectedly, such as common burns, cat scratches, dog bites, etc.

2. Medical insurance, reimbursement of medical expenses, in medical insurance, millions of medical insurance amounts are high, insurance premiums are low, and the reimbursement range is wide, not limited to social security drugs can be reported, imported drugs, and self-financed drugs can be reported, after all, medical insurance can not reimburse expenses other than Xiangtong. Choose products that guarantee millions of medical insurance renewals and provide practical value-added services such as prepayment, green pass, out-of-hospital targeted drug reimbursement, etc.

3. Critical illness insurance and medical insurance are similar, but critical illness insurance is a fixed amount of insurance, once the diagnosed disease meets the contract, you can get insurance compensation, the use of insurance is not restricted, you can make up for the loss of income, you can also use it as a disease ** expense, the purchase of serious illness should purchase the insurance amount, the insurance amount is enough to deal with critical illness.

4. Life insurance chooses term life insurance, which is still more important for people who belong to the main force of the family economy, because the premium is low and the insurance amount is high, although I can't use it, but once the family pillar falls, this insurance money is still very important to the family.