How to buy insurance for the family? How to buy insurance for the average family

With the development of society, many friends have realized the importance of buying insurance, not only to protect themselves, but also to protect their families. The recommended insurance for each family member is also different, like the children in the family, it is generally recommended to buy critical illness insurance, medical insurance, and accident insurance, the family pillar is generally recommended to buy critical illness insurance, medical insurance, accident insurance, and life insurance, and parents are generally recommended to configure cancer insurance, accident insurance, and medical insurance. In the following article, if you want to configure a family insurance in one step, you might as well take a look:

3 sets of plans, complete with the family's insurance.

However, it is important to choose the allocation of insurance according to your own situation, generally speaking, the budget for family members to buy insurance should not exceed 20% of the annual income of the family. Generally speaking, insurance is generally bought earlier and cheaper, and the younger the age, the less premium may be spent, so we must hurry up and configure insurance as soon as possible, otherwise as we get older, the risk of disease risk will also increase, and the cost of buying insurance will not only be higher, but also whether it can be successfully insured is one thing.

For insurance such as accident insurance and medical insurance, the annual premium is generally a few hundred yuan, and the small partner can configure it according to their own needs, while the premium of critical illness insurance may be thousands or tens of thousands a year.

In addition to buying it early, if you want insurance to be cheaper, you can also start from this aspect. For example, the payment period of insurance, you may try to choose a longer time, the longer the term, the less the annual premium will be paid after amortization, and the payment pressure will not be too great. If you want to know how to buy insurance cheaply, you can take a look at the following article:

What is the cheapest way to buy insurance?

Having said so much, I still want to remind everyone that when buying insurance, you should not pay too much attention to the premium, you should pay attention to the insurance product itself, otherwise even if you buy cheap insurance, but the protection is not good, and you are the one who suffers. Therefore, before buying insurance, you must understand the precautions about insurance, and avoid detours, the following article is best to take a look before buying: Before buying insurance, you must first figure out these key knowledge points!

1. First of all, you must buy insurance for the breadwinner of the family. Accident insurance can be given priority to family breadwinners, and it is recommended to set the sum insured at more than 10 times of the annual income. Medical and critical illness insurance are also important considerations for family supporters, and the sum insured should be sufficient when purchasing critical illness insurance.

The cost of major diseases is as little as 70,000 or 80,000 yuan, and as much as more than 100,000 yuan or even higher, and it is recommended that customers with social security should take 100,000 or 200,000 yuan.

2. Secondly, choose a suitable insurance for housewives. In addition, housewives can choose women's special disease insurance for women's special diseases, such as breast cancer, cervical cancer, ovarian cancer, female carcinoma in situ, systemic lupus erythematosus nephritis, etc. When purchasing women's critical illness insurance, it is best to choose a longer payment period to spread the risk.

3. To buy insurance for the elderly, you should first purchase accident insurance and then consider health insurance. Because the probability of accidental injury is higher in the elderly than in other age groups, it is important to purchase accident insurance, especially accidental fracture protection.

4. In the process of children's growth, choose a suitable accident insurance for children. When buying accident insurance for your child, it's best to buy a one-year one. Children's health protection should not be neglected, you can choose the right children's medical and critical illness insurance.

Choose critical illness insurance for your child, and the sum insured should not exceed 100,000 yuan. It is advisable to purchase an accident health insurance policy to have both accident and critical illness protection. In addition, if the family is financially well-off, you can buy a children's shirt or education fund insurance for your child when he is young, so as to save for his child's education in advance.

Extended reading: [Insurance] How to buy, which one is good, hand-in-hand high and rough to teach you to avoid these insurance"pits"

For the average family, the four types of insurance that are indispensable are critical illness insurance, accident insurance, education savings insurance and Xifeng old age insurance. "Why choose these four types of insurance, who to buy, how much to buy" has been plaguing consumers, for this reason, the reporter recently interviewed Bayingolin Mongolian Autonomous Prefecture Insurance Industry Association Secretary-General Liu Ping. Let's listen to what the connoisseurs have to say first.

Every family member should have critical illness insurance. According to Liu Ping, on the one hand, the incidence of serious diseases is getting higher and higher, coupled with serious environmental pollution, prominent food safety problems, and fast pace of life, high pressure, bad living habits, genetics and other factors; On the other hand, the cost of critical illness is unaffordable for the average family.

Accidents are everywhere, and everyone needs accident insurance, especially for consumers who travel more, travel more, and drive more. After purchasing accident insurance, you can transfer the risk to the insurance company, and after an accident, the insurance company will bear part or all of the losses caused by the accident, and give a corresponding one-time compensation to minimize your losses. Regarding the question of how much to buy, Liu Ping suggested that the amount of insurance should be 10 to 20 times the annual income.

For families with children, it is a significant expense to spend children from primary school to college. The biggest role of education savings insurance is to provide a strong guarantee and economic support for the incompatibility of children's education in the future. If the parents have an accident, if they purchase an insurance product that can be waived of premiums, the children will not only be exempted from paying premiums, but also get a living allowance.

In addition, the purchase of insurance can also achieve the purpose of reasonable tax avoidance to a certain extent.

Social security pension, can only meet the most basic survival needs, generally speaking, the average social security pension can only reach about 50% of the average social wage, if you want to maintain the quality of life after retirement is not significantly reduced, social security pension alone is far from enough, which needs to be supplemented by commercial insurance. Many young people believe that they still have decades to retire, and it is too early to start buying pension insurance at the age of twenty or thirty. Liu Ping especially reminded young people:

Commercial endowment insurance has the dual functions of life insurance protection and endowment planning, and from the perspective of financial management, the sooner the endowment insurance is bought, the more cost-effective.

1. To buy insurance, you generally buy social security first.

2. Adults first and then children, according to family responsibilities to distribute the amount of insurance.

3. Commercial insurance first buys accidents, and then buys empty model medical, critical illness and life insurance.

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