Do you have any good advice for buying insurance for your family?

It is recommended that you purchase long-term accident insurance. Compared to long-term and short-term accident insurance, it can be concluded that it is cost-effective and has slightly better coverage. In terms of coverage, we should pay attention to whether the size of the accident can be covered.

Generally speaking, accident death, disability, burns, etc. can basically cover accident insurance. Accident insurance should include accident medical insurance and accident insurance. Family members should allocate accident insurance products according to their age and contribution to the family's income.

Therefore, the coverage of accident insurance is mainly whether ordinary accidents such as injuries and fractures can be reimbursed. Some accident insurance products cover broken bones, but not falls. Accident insurance is generally only guaranteed around the age of 65, and it is difficult to apply for insurance beyond this age.

There is now accident insurance on the market, which can be insured before the age of 50, insured for 10 years for 30 years, and died after the age of 50, and can only be paid for 10 years for 20 years. Private cars, public transport, accidental death from natural disasters can pay 10 times the accident insurance, with additional accident medical insurance. At the same time, the elderly are prone to fractures due to physical reasons, and they can also choose accident insurance with double compensation for fractures.

Health coverage should be established as soon as possible to avoid post-coverage due to health or accident reasons. After all, risk is uncontrollable. Children have weak self-control and a high probability of bumps, which solves the problem of accidental medical treatment and accidental injury.

Try to choose a product with no deductible, which can be attached when purchasing critical illness insurance. In order to prevent moral hazard, the China Banking and Insurance Regulatory Commission clearly stipulates that the maximum compensation for children under the age of 10 is 200,000 yuan, and the maximum compensation for children aged 10-18 is 500,000 yuan.

It should be emphasized that it is best to purchase accident insurance "sudden death" liability accident insurance, because in many accident insurance products, "sudden death" is within the scope of liability exclusion. "Sudden death" accounts for the majority of accidents, so it is best to buy accident insurance to cover "sudden death". The breadwinner of the family is the guarantee of the family's economic income**.

In addition to medical coverage caused by basic accidents and loss of income in the process, disability caused by accidents on the breadwinner of the economy should also be guaranteed. In addition to the general comprehensive accident insurance, it should also be equipped with high accident insurance.

Be sure to buy medical insurance, cancer insurance, and accident insurance. These are the most basic types of insurance and it is necessary to purchase them. Because people are born, old, sick and die, especially when their parents are old, their bodies will have such and such diseases, and the reimbursement ratio for medical treatment is greater when they buy these insurances, and they are more at ease when they seek medical treatment.

Be sure to go to a regular insurance company to buy, you must pay attention to the type when buying, you should also pay attention to the coverage of this insurance, pay attention to the cost performance, you must choose medical insurance critical illness insurance, major accident liability insurance, you can buy group insurance as a family.

Choose the best plan for your family. It is not the most suitable, and the most suitable is not necessarily suitable for the actual situation of one's own family, so it is important to vary from person to person.

We can choose to purchase critical illness insurance and medical insurance, which can protect our lives, and these will be the last straw for our family when we get sick in the future.

Because the specific situation of each family is different, the family structure, economic situation, unit benefits, and expectations for the future are different, insurance is very important and the most basic arrangement and planning in the whole family planning, which will vary slightly from family to family.

I don't know the specific situation of the subject's family, so I can only buy insurance for my family according to the general situation, and talk about the following principles that should be followed.

1. When to buy.

In the case of economic conditions, it should be the sooner you buy insurance, the better, insurance payments are related to age One year older, the annual premium will increase a lot, and over the decades, you will pay a lot more, anyway, sooner or later you have to buy, and you can save a lot by buying early.

Secondly, when you buy insurance when you are in good health, it is easy to pass the underwriting, with the increase of age, if there is a problem with your health, you need to have a physical examination to buy a protection insurance product, and the underwriting may also appear to be a plus, except for liability, and a postponement.

Children can buy insurance 28 days after birth, and individual companies can buy insurance 7 days after birth, children are prone to colds and fevers, so you can have protection by purchasing as soon as possible.

2. The order of purchasing insurance.

Protect the breadwinner of the family first, then the other members (adults before children).

Adults have the future of children, and when you buy insurance, you must first buy enough protection for adults, especially the pillar of the family, because he is the focus of a family, and no matter what happens, the family's economy will not be affected.

No matter what insurance product you buy, remember to have a policyholder waiver, which generally comes with the terms of the insured's waiver.

3. The order of buying insurance products.

Protect first, manage later.

Family members should first buy protection products: critical illness + medical + million medical + cancer prevention.

The breadwinner of the family should buy life insurance, during the entrepreneurial period, it is the period of the most stress, the most responsibility, the highest income, with the principle of leverage, let life create value, if conditions permit, buy whole life (the premium is relatively higher), economic pressure, buy term life insurance, low payment and high protection.

In the family security are established and configured, there are surplus funds, you can buy annuities, prepare for the elderly, pension must be a major social problem that China needs to face in the future, the sooner you prepare for the month, you can buy Magnum, have a compound interest financial account, so that spare money and change can create value.

Specifically, it depends on the product positioning needs and the nature of the workIf you pursue leverage on interest rates and guaranteed extreme cost performance, adults, the current Land Bodyguard, Asia-Pacific Superman, Shanghai Life Bee, Xiaomi Comprehensive Accident, etc. is a good choice, and if it is high-end positioning, then you can choose high-end positioning accident insurance, such as Allianz Antai. Of course, accident insurance is a small type of insurance, although it is important, the premium is not expensive, family matching, the pursuit of cost-effectiveness, 15 per capita is enough.

A personal and family security plan with health safety as the foundation, the basic combination is medical insurance, accident insurance, critical illness safety, and family breadwinner plus additional term life insurance. The allocation of these safety insurance is the financial leverage of the insurance that needs to be noted. Low premiums take advantage of high sum insured to shift large financial losses, such as large losses from illness and accidents, and make insurance companies pay for our uncertain risk of large financial losses.

A low premium is a high sum insured. Instead of saving money in an insurance company.

The main function of accident medical insurance is to solve outpatient or inpatient medical expenses caused by minor accidents, such as dog bites, knife wounds, falls, injuries, etc. The main function of simple accident insurance is to solve the death or total disability caused by major accidents such as traffic accidents, falls, drowning, etc., which has nothing to do with medical treatment and is more like a branch of life insurance. So here's accident insurance, how to configure, in fact, there are a lot of accident insurance on the market, there are many alternative options, and the premium is tens to hundreds of dollars**.

Buying accident insurance for the family, buying accident insurance for everyday life, scarce specific accident protection is not suitable for families, although the guarantee amount is high, but the guarantee is limited.

Simple accident insurance, in general, simple accident insurance has consumption type and savings type. Consumer-based accident insurance is generally cheaper, paid for one year, guaranteed for one year. Savings accident insurance is generally slightly more expensive, pay a certain period of time, and guarantee more years, such as 10 years, 30 years.

This kind of savings accident insurance can be returned after the expiration of the term, and there will be a certain amount of interest, such as 120% of the premium can be returned after the maturity. In the event of an accident, compensation can be made in accordance with the contract. If you leave due to illness during the warranty period, the premium will be refunded.

There is also to avoid being fooled by the return of accident insurance, this kind of accident insurance will be only a few hundred of accident insurance, plus a life insurance, the result will become the main insurance of saving life insurance, accident insurance into a mix of additional insurance products, premiums into thousands of dollars, the so-called free protection and return, in fact, are all pits, decades of return of the principal has already depreciated to the point that it is not good, which is equivalent to you saving money in the insurance company but not giving you interest. Moreover, this kind of return accident insurance is very low for daily accident protection, and those scarce accident types have a high insurance amount, which is obviously a pitfall.

Medical insurance and disability insurance, etc., medical insurance can reimburse medical expenses for some diseases, and disability insurance can make a compensation according to the level of disability. Both of these are more suitable for family members and can better protect them in the face of accidents.

Life insurance, health insurance, accident insurance, medical insurance. When buying insurance for your family, you can choose accident insurance and health insurance from big brands or big insurance companies, and you should also check the specific type of insurance, and when signing the contract, you should also clarify the scope of jurisdiction.

There are commercial insurance, medical insurance, endowment insurance, as well as work-related injury insurance and million insurance, I recommend million insurance, which has a wide range.

Generally speaking, if you want to buy insurance for your family, try to configure critical illness insurance, million medical model insurance, accident insurance and term life insurance.

Before starting, in order to avoid the situation of stepping on the pit when buying insurance, the following article must be read in advance:[Insurance] which is good, how to buy a good deal, hand in hand to teach you to avoid these pitfalls of insurance

Take critical illness insurance and million medical insurance as a simple example, critical illness insurance mainly protects critical illness, as long as the contracted illness and meet the claim, the insurance company can pay a claim, so as to help the insured family solve the problem of high medical expenses or loss of income during illness.

The difference between million medical insurance is that it is a reimbursement insurance, mainly for the reasonable and necessary expenses incurred by hospitalization, whether it is a critical illness or a non-major illness, there is a chance to be reimbursed through the million medical insurance.

However, there is one thing I want to remind you here is that due to the strict health notification of critical illness insurance and million medical insurance, if the elderly who are older and in poor physical condition want to be insured, it is very likely that there will be no way to pass the health notice normally.

Hope!

If you want to buy insurance for your family, you can buy critical illness insurance, medical insurance and accident insurance to transfer the financial losses caused by illness and accident risks. I have compiled the detailed strategy for families to buy insurance in this article, and interested friends can poke: 3 sets of plans to complete the family's insurance.

Nowadays, the incidence of critical illness is getting higher and higher, and the trend of younger people is intensifying, coupled with today's environmental pollution and food safety are threatening our health, so it is necessary for adults and children to buy critical illness insurance, and if the conditions are met, a sum of money will be paid directly, and the money can be used freely.

In addition, for medical insurance, it is a reimbursement type of insurance, which can usually reimburse the medical expenses that cannot be reimbursed by medical insurance, and both adults and children may face the situation of hospitalization**, and the configuration of a medical insurance can effectively reduce the financial pressure of the family.

In terms of accident insurance, it is usually to protect accidental medical treatment, accidental death or disability, accidents are unpredictable, and we have no way to control them, so both adults and children need to configure an accident insurance.

In addition, if it is the breadwinner of the family, it is recommended to configure a life insurance, when the financial pillar of the family unfortunately dies or becomes completely disabled, if the conditions are met, the insurance company will pay a sum of money to the beneficiary, to a certain extent, it can be bent to ensure that the normal life of the family is not affected. I have compiled a list of popular life insurance before, you can refer to the comparison: the top ten life insurance rankings worth buying!

Insurance is the same as real estate, and if you really get in or do a good job of saying that you have money, you can get in. Protection against sickness, accidental injury! What dividends are not very recommended!

Although Na Hu Zheng said how much money can be received for 60. If you think about it, the money is becoming less and less valuable, and the family with an average family situation has to fight for the insurance money every year, in case something happens to you, you can't pay the money in an emergency, you laugh, purely personal opinion!