What insurance is the best and affordable for a family?

The insurance that is suitable for a family is accident insurance.

Critical illness insurance, medical insurance, life insurance and pension insurance.

You can match the above coverage as much as possible within your budget.

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, get pension security in advance, and make our life more quality in our later years.

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

Generally speaking, whether it is the breadwinner of the family, the elderly, or children, it is better and affordable to allocate critical illness insurance, medical insurance, and accident insurance.

Due to the current high incidence of critical illness, both men and women, young and old, will face the risk of critical illness, and once suffering from critical illness, it will be followed by high costs, which many ordinary working families cannot afford, so it is very important to configure a critical illness insurance.

With critical illness insurance, even if a critical illness comes to your door, you will have the opportunity to get an insurance payment to use for**.

However, there is an age limit for critical illness insurance on the market, and the maximum age of insurance is generally around 55 years old, if you can't find a suitable critical illness insurance for the elderly at home, then you can also consider insuring them with a cancer insurance, because cancer is one of the high-incidence critical illnesses, and buying a cancer insurance is equivalent to giving the elderly more protection.

In addition, people eat cereals, there will always be a moment of illness, and medical insurance can be reimbursed for the first expenses incurred due to illness in line with the provisions of the contract, reducing the economic losses caused by illness, therefore, it is better to configure a medical insurance.

Also, accident risks are everywhere in life, such as falls, burns, slips, etc. are common accidents, and accident insurance can provide protection for accidental injuries, so accident insurance is also very practical for men, women and children.

Finally, as the breadwinner of the family, you can consider buying another life insurance.

Life insurance mainly protects the death of total disability, and the economic pillar is the main income of the family**, if misfortune occurs, not only the economic income of the whole family ** will be temporarily interrupted, but the daily life of the family will also be affected, but if there is a life insurance, then when the insurance and meet the conditions for claims, you can get an insurance payment, to temporarily tide over the difficulties.

Life insurance can be divided into term life insurance and whole life insurance, what is the difference between the two? In this article, there is an answer: What is the difference between term life insurance and whole life insurance? Senior sister will tell you in one article!

The suitability of an insurance product is inseparable from the age of the insured. Young people aged 0-30 are recommended to take out critical illness insurance, medical insurance and accident insurance; People aged 30-50 are recommended to allocate critical illness insurance, life insurance, accident insurance, and medical insurance. Last night I put together a list of popular insurance plans for all ages:

Popular insurance points for all ages。You can take a look.

Under the age of 45, it is recommended to give priority to critical illness insurance, medical insurance and accident insurance. Seniors over the age of 60 can replace critical illness insurance with cancer insurance.

How to buy insuranceFor people between the ages of zero and twenty, critical illness insurance, medical insurance, and accident insurance are recommended

How do I buy insurance for someone under 20 years old? Before the age of 20, in the period of physical and mental growth and development, it is necessary to pay attention to the medical situation of minor problems to avoid sequelae, and it is for this reason that it is usually recommended that this part of the small partner configure a medical insurance, which can be used for reimbursement and compensation of medical expenses; In addition, there will be more accidents in the child's growth stage compared to the age of other stages, so it is quite a cost-effective choice to configure an accident insurance; Of course, it is also essential as a critical illness insurance that is more cost-effective the sooner you buy.

How do you buy insurance in your 20s? 20 years old 30 years old, is already an adult who can be independent, at this time the body is young, the spirit is good, but after a while, after you have your own family, your life pressure will increase, it is necessary to do a good job of insurance in advance, so it is recommended to buy short-term critical illness insurance + one-year accident insurance + million medical insurance, the premium required is not high, a month is only a few dozen, it can be considered, in line with this age group of friends can see the previous answer of the senior sisterReliable insurance recommended for people in their 20sYou can take a look at this article.

For people between the ages of 30 and 50, critical illness insurance, life insurance, accident insurance, and medical insurance are recommended

What kind of insurance is suitable for people around 30 years old? At this time, buying insurance is more for your family than yourself. When people reach middle age, their physical health is declining, but the pressure is increasing, critical illness insurance and medical insurance can provide adequate protection for illness; If the breadwinner of the family falls due to an accident, accident insurance and life insurance can buy peace of mind for the future of yourself and your family.

For how to buy good insurance more scientifically, more worry-free, more money-saving, the key is to choose the right insurance products.

Comparison table of 136 popular critical illness insurances in China (including the detailed list of insurance for each age group).

Life insurance is divided into term life insurance, whole life insurance, endowment insurance and annuity insurance, and my dad will explain the role of these four types of insurance, and continue to look down.

Buying insurance has always been a thing worth paying attention to, because insurance can provide us with protection, how to configure insurance for family members, dad recommends reading this article "How to buy insurance correctly at different ages?" 》

Family insurance design principle 1, adults first, then children to paraphrase a common saying: the big river has water, the small river is full; The big river has no water, and the small river is dry. Parents are the child's dependence, umbrella, as long as our parents are healthy, or the guarantee is sufficient, the child's growth and education can be guaranteed.

Whether I'm here or not, there will be no impact on my child's future expenses. If you really don't want to accept the protection of adults, please be sure to add the protection of the policyholder to this policy to ensure that the child's protection plan is not affected.2. The order of adult protection: give priority to the one with the higher income.

If the income is comparable, choose mutual insurance for husband and wife, and the attached premium waiver 3, the order of the insured insurance plan is: first protection, then medical treatment, then pension, and finally investment and financial management. 4. The principle of insurance for children a. The time of protection should not be too long.

At most, it is after the child's wedding payment is received. The plan of lifetime protection has high premiums and relatively incomplete protection, which is not suitable for ordinary families. Just imagine, our own retirement expenses may not have been arranged, so it is a little too early to arrange the money for our children's retirement?

b. Medical protection is the first choice. Children's immunity is poor, and now the environmental pollution is serious, and children's nature is hyperactive, and there will be some unexpected injuries. As a parent, you have the responsibility and obligation to make arrangements for your child's medical expenses.

In particular, some children's critical illness reserves can reduce the burden on our families, and also reflect the love and responsibility of parents. c. Savings projects mainly include education funds and wedding funds. The cost of education is generally more, and if it meets the demand for education expenditure, the cost is probably more than 10,000 yuan.

5. The overall premium expenditure of the whole family cannot exceed 10-20% of the annual income of the family, so the premium expense ratio of the child should not be too high6. Any plan must be completed first, and the overall financial needs of the family are analyzed, and then the protection plan is designed according to the amount of the financial gap. Everyone's scenario is different. 7. Anyone who cares for themselves and their families needs some commercial insurance, but they need to be treated differently.

Hello, the life insurance company is OK, but the insurance responsibilities and benefits of each type of insurance are different, as long as it suits you, it is the best, what are the main needs of your family, the information is more detailed.

Hello, this is a case-by-case analysis, each family structure is different, theoretically of course the whole family to improve the protection is the best, but if it is selective, first improve the family's main economic ** protection, family can appropriately supplement the accident medical treatment.

Generally speaking, each insurance company has a more distinctive insurance product, and the question is whether it is suitable for you. Only what's right for you is the best. Are you right?

Before you decide to buy insurance, first screen some insurance companies with good integrity and reputation, and then find the company's experienced, more professional, and good character insurance planner to tailor an insurance plan for your whole family, and finally decide whether to adopt it yourself.

Hello, your question is a bit vague, can you say a little more detailed, for example, how many people in your family, what is your annual income, and whether there are other mortgages, car loans, and debts. In this way, you can analyze what insurance your family needs and how much protection you need.

Hello: The question you asked is too general, there is no basic information, and I don't know how many family members there are, whether they have social security, how old are they, and what are the key aspects? It's hard to give you an answer! It is recommended to complete the information and ask the question again.

It depends on the financial ability to first put the social security into the consideration of commercial insurance, if the economy allows, make a protection plan for the whole family, and if it is not allowed, the financial pillar of the family is insured.

Insurance companies are similar, small companies are relatively easy to do a little bit of claims, large companies are stricter, a family first economic pillar has to buy accident insurance, followed by serious illness insurance, now many of these insurances are dividend-paying, in addition to the protection of capital and income, and then you can consider buying some financial insurance for children. Regardless of whether it is an economic problem or not, the pillars of the family must have accident insurance, for themselves and their families, it is a reassuring guarantee.

Depending on the stage of the family, the type of insurance purchased is also different. Generally need to follow this smoothly. 1. Family members, first to protect the economic pillar, then the parents, and finally the children. Second, the type of risk, first accident, then medical treatment, then pension, then financial management.

You can call the username and consider your income! Welcome to Shanghai Ping An.

Buy insurance or buy safety! Ge You said drop!

First of all, there are old and young people in the family, and the age groups are different, and the insurance they buy is necessarily different, so it is not rigorous to ask the family what kind of insurance is appropriate, and the insurance bought is different for people who do not use age.

Secondly, for a family, the man is the economic pillar of the family, and when buying insurance, it is necessary to focus on the pillar and try to buy a comprehensive one; For children, you can buy accident insurance for your child, and if you have the ability, education insurance can also be considered; For the elderly in the family, if the age allows, you can buy critical illness insurance, if you are too old to buy critical illness insurance, you can consider buying accident insurance.

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

First of all, there are old and young in the family, the age group is different, and the insurance bought must be different, so it is not rigorous to ask the family to buy what kind of insurance is appropriate, and the insurance bought is different for people who do not use age.

Secondly, for a family, the man is the economic pillar of the family, and when buying insurance, it is necessary to focus on the pillar and try to buy a comprehensive one; For children, you can buy accident insurance for your children, and if you have the ability, education insurance can also be considered; For the elderly in the family, if the age allows, you can buy critical illness insurance, if you are too old to buy critical illness insurance, you can consider buying accident insurance.

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

When a family allocates insurance, it is best to give priority to protection insurance, such as critical illness insurance, accident insurance, life insurance, and medical insurance. Before the official introduction, the senior sister will first present you with a nanny-level plan for family configuration insurance:3 sets of plans, complete with the family's insurance

First of all, the role of life insurance is to help the family transfer the financial losses caused by the death or total disability of the insured, so that the reputation of the family will not be crushed by family debts, such as housing loans and car loans. In the family, it is enough to allocate the economic pillar of the family, while the elderly and children in the first poverty section usually do not bear family responsibilities, so it is of little significance to allocate life insurance.

Secondly, medical insurance is reimbursed on a reimbursement basis, which can reimburse reasonable expenses within the scope of the contract. Among them, the cost performance of million medical insurance is the highest, which can usually buy millions of insurance amounts with a few hundred premiums per year, and some excellent million medical insurance will also come with value-added services, which can well solve the problem of difficult and expensive medical treatment for us. Senior sister has compiled a list of millions of medical insurance with super cost performance, you can refer to it:

The latest top 10 million medical insurance rankings are newly released!

Critical illness insurance, on the other hand, mainly covers critical illnesses, and its role is to provide ** expenses and compensate for loss of income. However, the elders in the family may not be able to apply for critical illness insurance normally due to their age and poor physical condition, so you may wish to choose cancer insurance with more relaxed health notices, more extensive insurance age, and more affordable** as a supplement.

Finally, accident insurance mainly covers accidental death and accidental dismemberment, and some products also cover accidental medical treatment. Everyone is equal in the face of accidents, and the protection of accident insurance is crucial for every member of the family. If you want to know more about accident insurance, you can take a look at this article:

【Accident insurance】Whether to buy, how to buy, what are the types, comprehensive analysis, comparative evaluationHope!