How can I protect my life with insurance?

Social security must be bought. Pension insurance should be a compulsory savings or dedication to the country, and the focus is on the medical insurance that will always be covered no matter how sick you are. Critical illness insurance in Hong Kong and China has its own advantages and disadvantages, although the relative rates and claims conditions of Hong Kong insurance are broader, but there are also exchange rate risks and policy risks.

Critical illness insurance in mainland China is relatively troublesome on the whole, but there are also many critical illness insurance with good rates, especially those with minor illness exemptions, which are the advantages of critical illness insurance in mainland China. Pay attention to increasing the number of property insurance types. The insurance that can be bought online should be bought online as much as possible, such as China Minsheng Insurance Network, Huize Insurance Network or the official website of the insurance company, so as to reduce your premium expenses as much as possible (the insurance company will generally give a certain discount because it does not need to pay a commission to the insurance person).

Please prepare yourself for health care. Some people say that my body is very good and delicious, but I only say one sentence - cancer patients in the cancer hospital think the most and say the most, often this sentence: "Why me!"

No one can do this problem, everyone thinks that their body should not be terminally ill, but the disease still needs to be cured. However, a critical illness is simply a pit of fire that burns money! Most terminal illnesses have already been overcome, but the problem is - money!

With money, Johnson can live with HIV for 20 years, almost like a normal person; With money, uremia patients can do dialysis on time and on time, almost no different from normal people; With money, children with leukemia can have bone marrow transplants and continue their lives.

I'm not an insurance professional, but I'm a somewhat experienced insurance customer. Using myself as an example, let's sort out the insurance that I think is useful. Consumer insurance is the mainstream, and all types of insurance with insurance meaning and calculus dividends do not have much significance.

Try not to buy short-term riders, as the insurance company can cancel the one-year contract at any time. Pay attention to the "guaranteed renewal" clause for short periods. It is recommended that people under the age of 30 and who are not financially strong take out term insurance, which is generally covered until the age of 60-75, and it is also at this age that people generally have accidents and diseases that bring the greatest losses to their families or themselves.

It is not necessary to guarantee it for life, but to make corresponding trade-offs.

Please buy accidental injury and accidental injury medical insurance, as well as term life insurance first. Because the possibility of this risk may not be large, but once it happens, it will be a major event of death or injury, and I have been in a car accident and almost hung up, all of which are tears. Therefore, you must buy accidental injury and accidental injury medical treatment first, which is very cheap, and you can buy a hundred and twenty thousand protection for a few hundred yuan.

And term life insurance is about 1,000 yuan to buy a life insurance protection of 100,000 or 200,000 yuan.

Health first, then pension, please ensure that you are alive first, and then to ensure the length and quality of your life; Adults first, then children, please make sure that adults are alive first, and then consider the protection of children.

As a legal professional, I have been involved in many insurance disputes over the years. In a word, whether insurance is guaranteed or not, it depends on what kind of problems you encounter, and different problems require different insurance varieties. Take Shanghai as an example, driving and killing a person may involve nearly one million in compensation, if you don't have a commercial third-party liability insurance with an insurance amount of 1 million, and you hit and kill a person, your life may enter a trough, and you may have to sell your car and house to compensate.

From this point of view, I personally think that car insurance is a rigid need. If you encounter Tianjin**, the insurance varieties you need are different.

Social security is the basic means of security, and commercial insurance is a supplement to social security. If you put it in popular language, social security guarantees that you can eat a little more, and commercial insurance allows you to eat better on the basis of your fullness. Some people think that social security is pitted, but I want to say that if you don't need that money to save the emergency, social security must be there, and you must stick to it.

Please prepare endowment insurance for yourself. I won't say much about the reasons, the cost of living, a child, insufficient social security, ......Everyone understands. I just want to say one more thing - the best way to care for children is to prepare for your own pension when you are young, so as not to burden your children in the future.

I have never seen an insurance company that can guarantee a person's longevity. I haven't seen any insurance company that can insure and cure the disease. At most, it's just a little bit of money, and what's the use of losing a lot of money if the disease is not cured???

In addition to social security and medical insurance, which are the protection of life, other types of insurance should not be confused. It is better to rely on the sky and the earth than on yourself. If the insurance company does not have customers to invest money, it cannot insure itself of insurance.

I have been dealing with the insurance industry for more than 20 years, and I know their routines and details too well.

"Insurance" is risky, and "insurance" needs to be cautious.

Protecting one's life is mainly from the following aspects:

1.From an individual point of view, planning needs to be comprehensive, and the protection part needs to cover illness, accident and death, as well as planning for retirement;

2.If from the perspective of a family, the insurance plan needs to cover all family members, and the planning and product arrangement of insurance products are on an individual basis, and it is also necessary to plan the children's education fund and the parents' maintenance funds;

3.How to buy insurance: Critical illness insurance needs to have a sufficient amount (all family liabilities + the sum of 5 years of annual income), the insurance liability is best to be light, medium and heavy, the responsibility is comprehensive, the disease is fully covered as much as possible (refer to industry standards), and the premium expenditure:

Set aside 10% and 15% of income every year to arrange; Adequate medical insurance (millions of medical care, high- and medium-end medical insurance can be purchased according to economic conditions), accident insurance and life insurance; Pension insurance and education funds can be purchased with suitable annuity insurance or increased whole life.

Generally speaking, the purchase of insurance changes with the change of one's worth and age, and who is required to adjust the matching amount and responsibility, so as to protect one's life.

First, how to buy insurance can be considered from many aspects:

1. How to purchase: You can go to the offline outlets of the insurance company to apply for insurance, contact the insurance ** people around you to apply for insurance, find an insurance broker to apply for insurance, and apply for insurance on a third-party insurance platform.

2. Selection of insurance type: Generally, you can choose critical illness insurance, medical insurance, accident insurance, and life insurance. If you have financial needs, you can also consider annuity insurance and other products.

It should be noted that insurance is not something we can buy if we want to, there are restrictions on occupation, age, health status, etc., and only if we meet the underwriting conditions can we apply for insurance.

2. How to reasonably purchase insurance to protect yourself?

1) Understand insurance knowledge.

1. Understand the type of insurance. There are mainly medical and health care (including general hospitalization reimbursement, critical illness, allowances, etc.), pension, life insurance (death liability), accident protection, children's education funds, investment and financial management, etc. There is only a good or bad kind of insurance.

2. Understand the terms of the insurance. Generally speaking, the terms and conditions are unilaterally formulated by the insurance company, and the content is complex and highly professional. Therefore, it is necessary for professionals to explain to themselves one by one, focusing on understanding what can be insured, which ones are less insured, and which ones cannot be insured.

3. Understand the insurance company. In fact, whether it is a domestic, foreign-funded or joint venture insurance company, when it is registered and opened in China, it must apply Chinese laws and be supervised by the China Insurance Regulatory Commission, and their legal status is equal. The key is to choose the right company and product according to your actual situation.

2) Risks in the analysis phase.

The exclusion method should be used to distinguish which risks do not need to be dealt with by insurance and which can not be dealt with by insurance. Key Considerations:

1. Existing social security. That is, whether they can enjoy the medical security provided by the state, whether they have the right to enjoy the unemployment security provided by the society, whether they have the right to enjoy the social pension insurance, etc. If these social guarantees are fully enjoyed, it is possible to skip or reduce the purchase of insurance in this area.

2. The amount of personal assets. It can measure the likelihood that you will have a considerable amount of financial assistance in the bank, such as deposits, finance, investments, etc. If an individual has substantial assets and a strong ability to obtain financial assistance, it is possible to reduce the purchase of insurance, but this depends on the individual's insurance concept.

Because many wealthy people in the society have bought huge amounts of insurance, they think that they need protection even more if they are worth millions.

3. Insurance is divided into compulsory insurance and optional insurance. Mandatory insurance is to deal with the risk that the insured event will pose a serious threat to the policyholder once it occurs; Insurance options are available to cover the risk that, if an insured event occurs, may reduce the policyholder's current assets and income, but is affordable to the individual or family.

4. If you have the ability to insure insurance, it is best to insure; If you are not able to take out insurance, you can temporarily leave it uninsured. The classification of these two types of risk will be different for each person and each family, which needs to be divided according to their own situation.

In the purchase of insurance plans for families, the order of "accident insurance, medical insurance, critical illness insurance, and investment and financial insurance" can be considered when buying insurance. When purchasing insurance, you should pay attention to choosing according to your own work situation and the actual situation of your family, so as to obtain long-term critical illness protection while taking into account your pension and financial needs.

Some families do not have a high income, and some families are relatively financially well-off, how should families with different incomes buy insurance?

Low-income earners:

For low-income people, insurance is more needed because of their relatively limited financial resources and weak ability to resist risks. However, due to limited financial resources, there is very little room for insurance options, so it is best to choose to buy short-term protection insurance.

General Earners:

It is recommended to purchase protection insurance and savings and investment insurance. By purchasing protection insurance, the general income earner can solve the various problems caused by the interruption of income and the increase of burden after the occurrence of risk to a certain extent.

Upper-middle-income earners:

Because middle- and high-income earners have a good income and have a lot of leeway in choosing insurance, it is recommended to have protection, pension, savings and investment insurance, and do a good job in matching various types of insurance.

High earners:

This type of income earner buys insurance, not only to consider an extra protection, but also to diversify personal investment risks and other needs.

First, the choice of insurance type.

Many people have a "thrifty mentality", which leads to the fact that they feel that some consumer-oriented products are too wasteful as long as they are not in danger, and those products that "are sick, and return money if they are not sick" are what make them excited. It is precisely because of this psychology that it is difficult to extricate oneself after entering the pit. Everyone should be clear that basically every product is carefully calculated by the professional team of the insurance company.

This kind of product that can return money is not only high, but also has insufficient protection, so it is better to buy financial management and health separately.

Second, the choice of insurance company.

Presumably, many people think that large insurance companies are definitely more reliable than small insurance companies, but in fact this is a misunderstanding. In China, any insurance company is under the supervision of the China Banking and Insurance Regulatory Commission, is very powerful, the so-called size, nothing more than the scale, the number of divisions and so on, but those large insurance companies because of the large scale, more branches, so the input cost is a lot, so the average premium will be more expensive. On the other hand, small companies, eager to gain a firm foothold in the market, will strive to give profits to customers and provide more cost-effective products.

In terms of claims, large and small companies are the same, as long as they meet the regulations, regardless of the size of the company, they can be paid.

3. The order in which family members are insured.

Parents love their children, and every parent is used to giving their children those things that are good, but insurance is different. In a family, the most important person who should be protected is the person who is responsible for the family income, and only when the economic pillar is guaranteed, the family can be more stable. Therefore, the most important consideration for families to allocate insurance is the person who is responsible for the family income, followed by the elderly and children.

Fourth, professional guarantee planning.

Because professional insurance planning needs to involve a lot of professional knowledge, only consulting insurance experts can get reasonable planning, which is simply a luxury for many ordinary families, only those more wealthy families can do it, but what the author wants to say here is that with the development of the Internet, the times have changed, ordinary people can also enjoy professional insurance protection, and the camel planning platform is the "spoiler" that subverts this situation.

What exactly does insurance cover? Insurance is generally divided into protection, savings, and investment. Buying insurance is to protect your life, so you should first consider the protection type.

Only protection insurance can achieve higher protection with lower money and avoid huge losses to family finances caused by various risks. Protection types such as accident insurance, critical illness, life insurance. These are the things we should be satisfied with.

Especially families with low incomes. After improving family protection, consider savings and investment-based insurance products.

The two most important aspects of life insurance are accident insurance and health insurance.

First of all, as an accident insurance in life insurance, Tuotian Quick Loan recommends that all visitors insure themselves. Accident insurance, also known as accident insurance, provides insurance compensation for the death, disability, outpatient or inpatient medical treatment of the insured person due to an accidental injury. Generally, it refers to the act or contract in which the insured pays a certain amount of insurance premiums, and the insurer promises to pay the insurance money to the insured in the event of physical injury and disability or death due to a disaster within a specific scope.

Accident insurance is divided into consumption type and return type. The consumer-based accident insurance of about 200-300 yuan sold online and offline has a comprehensive protection. It basically covers accidental disability, accidental medical treatment, accidental death, accidental medical treatment, accidental hospitalization allowance and so on.

Return-based accident insurance will have a relatively high premium, and it is not recommended to include it in the scope of consideration when the economic conditions are not very good.

Then there's health insurance. Health insurance, the Chinese abbreviation of health insurance, refers to the insurance company through illness insurance, medical insurance, disability income loss insurance and nursing care insurance to pay insurance benefits for losses caused by health reasons. It includes sickness insurance, medical insurance, and income compensation insurance.

As a type of illness insurance, critical illness insurance is mostly of the benefit type. According to a period of research, I think that all visitors should pay attention to these elements when purchasing: the amount insured, the protection liability, the protection period, the premium, and the content of the exemption.

For example, many common illness insurance on the market seem to have comprehensive protection, from head to toe, but they put several high-incidence critical illnesses in the mild diseases, and the premium is the highest among similar products. This kind of insurance is more than worth the loss, and it is recommended that you must check the above elements when applying for insurance.

The rest is medical insurance, medical insurance is almost all consumption-based reimbursement type, the highlight is that the premium is lower than that of critical illness insurance, the insurance amount is relatively high, and many products can also be reimbursed for self-financed drugs.

In such cases, it is recommended that you prioritize medical insurance over critical illness insurance when you have a limited budget, depending on your financial situation. The disadvantage is that there is usually a deductible of more than 10,000 yuan, and you have to pay the medical expenses in advance and then return to the insurance company for claims, and the subsequent renewal is not ***.

Finally, it should be noted that as mentioned at the beginning, health insurance requires the insured to be insured under the premise of health, if there is a problem with the physical condition, please be sure to inform the insurance company before applying for insurance.