What are the types of insurance, and if you want to buy an insurance for your family, is there a sui

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.

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.

Critical illness insurance pays a sum of money when it is diagnosed or reaches a certain level as described in the contract, and the amount of this money is only related to the agreed conditions on the policy, and has nothing to do with whether the insured has carried out ** and how much money has been spent. Medical insurance, on the other hand, is based on the principle of loss compensation, based on how much money was spent on medical treatment, and then pays the reimbursable part according to the contract.

In the current economic environment of our country, especially when housing prices remain high and seriously deviate from the people's income level, the burden on many young people is very, very heavy! Therefore, our people must transfer the risk through financial instrument insurance, but because of the different types of insurance, he said that the content of insurance is different, so we need to choose the corresponding type of insurance according to the actual situation of different families!

But every family member must have one type of insurance, and that is commercial medical insurance! Commercial medical insurance is an effective supplement to medical insurance, which solves the parts that are not reported by medical insurance, such as self-financed drugs, inspection fees, material costs, etc.! My advice is to prioritize commercial medical insurance for every family member in your household.

Only in this way will our family not suffer property damage due to illness!

Critical illness insurance generally needs to be paid for many years after purchase, and the payment period can generally range from 1 to 30 years, and the guarantee time can be decades or life, the guarantee is one-time, and the guarantee can be lifelong; Medical insurance is generally paid annually, basic medical insurance may need to be re-underwritten every year, and the current market rule for millions of medical insurance is a 5-6 year guaranteed renewal period, that is, it needs to be re-underwritten after 5-6 years. If the re-underwriting cannot be passed, the insurance cannot be renewed, and the guarantee cannot be continued.

If you still have some financial means, you can purchase regular critical illness insurance for the breadwinner of your family. Fourth, if you are able, you can purchase a certain amount of term life insurance for the breadwinner of your family. The design is designed to address basic accidental medical and hospitalization medical issues, and then address the loss of family income caused by the family's breadwinner illness.

If you can afford it, it is important to buy insurance for your family. There are still many benefits of buying insurance, and the biggest advantage is to reduce the burden of the insured, so as not to lead to poverty because of unacceptable things. For example, after purchasing critical illness insurance, if the insured suffers from illness, then the insured can get a compensation from the insurance company to help the insured tide over the difficulties.

There are many types of insurance in life, in addition to the critical illness insurance mentioned above, there are also car insurance, accident insurance, property insurance, etc., when buying insurance, choose the type of insurance that suits you according to your own situation.

It is important to buy insurance for your family. Benefits: Risk aversion, risk transfer.

Reduce medical stress. Insurance savings. The policy can be mortgaged.

Reduce investment risk. It can compensate for the financial loss caused by medical treatment. Able to complete their own retirement plans.

It is very important to buy an insurance for your family, which has great benefits, as it can have a certain amount of protection in case of accidents, and it will also give you special peace of mind.

is very important. In this way, the safety of the family and the family can be guaranteed, the pressure on the family can be relieved, and it can be well protected.

Hello! Don't know who your main family members are?

When buying a business insurance product that is suitable for the whole family, protection should come first. It is recommended that you can give priority to insuring the breadwinner of the family, and then buy suitable insurance products for the elderly and children.

1. The insurance plan suitable for couples can first consider personal accident insurance, and then consider critical illness insurance and hospitalization medical insurance. Term life insurance products should be a good choice.

2. For insurance products suitable for children, it is recommended to consider accident insurance, health and medical insurance and other protection insurance to formulate a comprehensive insurance plan for children, and it is recommended to refer to comprehensive card-type children's insurance products.

3. The insurance of the elderly can be considered from accident insurance and community insurance.

The expenditure of the sum insured and the premium should be based on the actual situation, the sum insured expenditure is generally 10 times the annual income, and the premium expenditure is generally 1 10 of the annual income.

Hope it helps!

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

When we want to buy insurance for our family, we must not choose blindly, but choose the most suitable product, so that we will feel comfortable in the process of use. Because there are so many insurance products nowadays, many people don't know how they should choose, so we must remember that we must not trust anyone at will because of other people's words.

1. Hospitalization insurance

When we choose insurance products for our families, hospitalization insurance is a very good choice, because once the family is sick, not only will the body feel uncomfortable, but the family's expenses will also increase, so in a controllable situation, I recommend that you choose hospitalization insurance, so that even if the ** fee is very expensive, you can also get the corresponding reimbursement, instead of all the expenses need to be borne by yourself, and finally the family does not even have the most basic living security.

2. Accident insurance

Although each of us does not want accidents to happen around us, but many things are unavoidable for us, especially when the accident comes, it will not only catch us off guard, but also make the whole family fall into sadness, so taking these factors into account, we can buy an accident insurance for our family, even if it is not needed, when they die in old age, they can also leave a sum of money for their descendants, so it is also a good choice. Because my parents bought accident insurance, it is not to say that they have to leave anything for me, but it is a kind of protection for them, and it is also to reduce the pressure on future generations.

In addition, when we choose insurance products, we can also let the business staff introduce us, because professional people do professional things, we can listen to some of their suggestions, so that we can choose the most suitable products for our families when we choose, I hope everyone can pay attention.

Be sure to choose the most suitable product, don't believe others because of other people's words, you can buy a hospitalization insurance, so that even if the hospitalization fee is expensive in the future, you can also be reimbursed a little, you can also buy an accident insurance, so that after old age, and can not be used, you can also leave a little money for the younger generations.