What kind of insurance is the most cost effective to buy, and what kind of insurance is more cost ef

The best insurance option can be tailored to your individual needs. There are several types of insurance to consider:

1. Accident insurance.

For the protection of life safety, accident insurance is a must-have, there will be short-term travel accident insurance when traveling, short-term traffic accident insurance for work trips, children's growth and safety will have children's accident insurance, the types and protection functions of accident insurance are the most abundant and diverse of all insurance, as a short-term insurance, the premium of accident insurance is very low, generally ranging from a few to several hundred yuan, it is a typical type of insurance with low premiums and high protection, which is very suitable for people of any age and any class.

2. Critical illness insurance. Critical illness.

The risk is that every age group faces, and in recent years, the incidence of critical diseases has been increasing, and although many diseases have ceased to be incurable with the advancement of medical technology, the medical costs are high. All critical illness insurance.

Now most critical illness insurance can cover nearly 100 diseases, and there is also a high amount of protection, which can not only resist health risks, but also solve medical expenses.

3. Endowment insurance.

Do a good job of pension planning in advance, lay the foundation for your later life when you have the ability, and use an endowment insurance to bring long-term and stable security for your future life.

4. Social security. Social insurance.

It refers to a social and economic system that provides income or compensation to a population that is incapacitated, temporarily unemployed, or has a loss due to health reasons. The main items of social insurance include medical insurance.

Unemployment insurance, work-related injury insurance, maternity insurance.

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

If you want to buy a cost-effective insurance product, you have to choose according to your own protection needs, and only the insurance product that meets your needs is the most suitable and cost-effective.

In order to avoid the situation of stepping on the pit when buying insurance, the following pit avoidance guide must be collected: [insurance] which is good, how to buy a good deal, and teach you to avoid these pits of insurance.

Generally speaking, if you want to buy insurance, it is recommended to configure critical illness insurance, medical insurance, accident insurance and life insurance. The protection content of different insurance is different, and its role is not the same, and the configuration is complete, so as to give more adequate protection.

If there are still friends who don't know much about the difference between these types of 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?

Take critical illness insurance and medical insurance as a simple example.

Critical illness insurance mainly covers critical illness, and usually as long as the insured suffers from the illness agreed in the contract, he or she will have the opportunity to receive a lump sum insurance payment from the insurance company. This money can be used not only to make up for the loss of income caused by this period of illness.

Medical insurance is different from critical illness insurance, which is mainly used to solve the problem of medical expenses, and can generally be divided into small medical insurance and million medical insurance.

Generally, the sum insured of micromedical insurance is low, which can well solve the medical expenses of minor illnesses and pains such as colds and fevers; The sum insured of the million medical insurance is higher, and it is more to solve the medical expenses of hospitalization for serious illnesses.

In the past, some friends felt that after buying critical illness insurance, there was no need to buy medical insurance, but it turned out that this idea was biased, and the best solution was to buy the two.

The "seven policies for life" often said in the insurance industry refer to accident insurance policies, serious illness medical policies, life insurance policies, children's accident, hospitalization, serious illness policies, children's education policies, pension policies, and inheritance policies. It would be nice if there were conditions to cover all of these policies. Of course, considering your own willingness to buy and economic situation, it can be 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 are married and have children, you are most concerned about your children, so why should you expose your children to risk while buying accident insurance and critical illness medical insurance for yourself? 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.

Now the best deal is, of courseMedicineWarrantyAh, the guarantee given by the state cannot be avoided!

And secondly, it isMedical insuranceNow, you can buy million-dollar medical insurance for a few hundred dollars. Because medical insurance has a minimum payment line, a cap line, and a reimbursement limit. Commercial medical insurance can supplement the reimbursement of parts that cannot be reimbursed by medical insurance, such as outpatient expenses, self-financed drugs, etc.

The top 10 million medical insurance rankings are newly released!

As for the protection of diseases, if only medical insurance and medical insurance are not enough, some families have spent all their savings because of a critical illness, and the family economy is in a slump!

At this timeCritical illness insuranceIt is very important, because the coverage of critical illness is wider, it covers critical illness, moderate disease, mild disease, and even cancer, and the sum insured can not only be used for medical treatment, but also for economic loss, later stage**, the cost of children's education, and the cost of supporting the elderly, these expenses are okayDiscretionTarget. Many people think that critical illness insurance is expensive, but in fact, there are many critical illness insurance policies that are cost-effective, but also have very comprehensive protection. I have compiled these cost-effective critical illness insurance in the following article!

Top 10 Cheap and High-quality Critical Illness Insurance** Points!

Nowadays, there are several types of Internet financial insurance that are very cheap and safe and secure2The million medical insurance in Alipay, this is enough insurance for tens of millions of people, about 400 per year, and more than 3 million can be guaranteed, which is also very cost-effective.

National Insurance-HP Medical, Alipay's Million Medical Insurance and Talisman - Accident Insurance are very good insurance, very cost-effective, tens of millions of families have purchased Internet insurance, you can focus on research and attention, if necessary, you can also buy.

Buying insurance is a relatively complicated matter, and the insurance that needs to be purchased for different ages is also different, you can read this article about daddy. How to buy insurance correctly at different ages? 》

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 insuranceIf you are in the 0-20 age range, it is recommended that you choose critical illness insurance, medical insurance and accident insurance

How do I buy insurance for someone under 20 years old? Before college, it is not surprising that you are in the period of physical and mental growth and development, and it is not surprising that you have a little illness and pain, so it is recommended to configure a medical insurance, which can be used to reimburse medical expenses; In addition, there will be more accidents in the child's growth stage compared to the age of other stages, so you can consider purchasing an accident insurance; Of course, it is also essential as a critical illness insurance that is more cost-effective the sooner you buy.

If you are in the 20-30 years old, it is recommended that you choose critical illness insurance, accident insurance, and medical insurance

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, full of adventure and expectation for life, but once a serious illness occurs, a family may be doomed, so it is recommended to buy short-term critical illness insurance + one-year accident insurance + million medical insurance, in fact, it doesn't cost a few dollars, a month is only a few dozen yuan, it can be considered, friends who meet this age group can read the previous answer of the senior sisterHow can people in their 20s buy reliable insurance?You can take a look at this article.

Critical illness insurance, life insurance, accident insurance and medical insurance are important for those in their 30s and 50s

The probability of middle-aged people's illness is increasing rapidly, but it is the most important economic ** of the family, and they often can't fall, so critical illness insurance and medical insurance can provide adequate protection for illness; In the unfortunate event of an accident, accident insurance and life insurance can buy peace of mind for the future of yourself and your family. Friends who meet this age group can read the previous answer of the senior sisterHow to buy the right insurance for those over 30 years old? Any recommendations

The key to how to avoid wasting money and quickly find cost-effective, reliable and suitable insurance is to choose the right insurance product.

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

Insurance is like an umbrella, when it doesn't rain, you can put it at home and don't use it, when it rains, you can also help us block the sun, when it rains, of course, it is more useful, so it can help us shelter from the wind and rain. Now insurance, basically a new type of insurance, so are will return the principal, we bought insurance, if nothing happens, safe and sound, then we pay the insurance premium will still be returned to us, some have some income, then when we encounter any big problems, the insurance company will pay us a small amount of insurance premiums into a large amount of urgent cash to pay us to solve the big problems we encountered. So I have nothing to lose.

Every insurance company will have a number of actuaries with extremely high annual salaries, and it is difficult to calculate the insurance company.

So the cost-effectiveness is only relative, and there is no absolute possibility.

Insurance is a product that you pay for every penny, but it is difficult to detect on the surface. Choose products that are acceptable at an acceptable price according to your own financial ability, and don't blindly choose low-priced products.

It is cost-effective for your own economical and practical insurance!!

Honest insurance is more cost-effective.

The sequence of assigning insurance to children is as follows, for reference: accident insurance + medical insurance + critical illness insurance + special critical illness insurance for children. Accident insurance, children are lively and active, and it is easy to bump and bump, cat scratch and dog bite in life, so an accident insurance is very necessary.

When purchasing accident insurance, we focus on whether there is disability liability, whether it covers self-financed drugs, self-paid items, whether there is 0 deductible, whether there is hospitalization liability, etc. Medical insurance, small children, weak body resistance, high probability of illness, medical insurance also needs to be considered. Critical illness insurance

If you are young and in good physical condition, the sooner you configure critical illness insurance, the better, and the younger you are, the lower the rate and the more cost-effective. A 0-year-old baby boy is equipped with 500,000 yuan of lifelong critical illness insurance, and the annual premium paid is about 5,000 yuan; A 30-year-old man is equipped with 500,000 lifetime critical illness insurance, and the annual premium is about 12,000. Critical illness insurance can be chosen according to your budget, and if the economic budget is high, you can choose a lifelong critical illness; If you have a relatively small budget, you can opt for term critical illness insurance.

Huaxia Fu critical illness insurance can be understood. Critical illness in children with specific diseases. For example, juvenile leukemia has a high incidence rate and high medical costs, so it is necessary to configure specific critical illnesses and make a one-time payment to protect them until the age of 25.

Minyou is cheaper because of its single guarantee. Buying insurance should be based on your needs, income and expenditure level, member structure, region, family history, etc., everyone's family situation is different, and the configuration of insurance plans is not the same.

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