1 health insurance
Health insurance, as its name implies, is to protect the health of the insured. Common health insurance includes critical illness insurance and medical insurance. This kind of insurance product can play a role when the insured has health problems and meets the conditions stipulated in the contract, thus reducing the economic burden of the insured and his family.
In addition, it is not enough to buy only one kind of health insurance, because each kind of insurance has different emphasis, and no insurance can bring all-round protection to the insured. For example, if you only buy medical insurance and don't buy critical illness insurance, health protection will not be comprehensive. Please see this article for specific reasons: After reading these medical insurance contents, you will know why you still need to buy critical illness insurance.
2. Universal insurance
Universal insurance is universal insurance and a kind of financial insurance. Universal insurance has a guarantee account and an investment account. The security account can provide death protection for the insured, while the investment account can bring income returns to the insured. Although universal insurance also has security function, its financial management function is more significant. The income of universal insurance is uncertain, and we can only know its guaranteed interest rate in advance. You can click on this article to learn more about universal insurance: financial management with universal insurance, stable and safe income? Universal insurance from the beginning!
Finally, senior sister suggests that you buy health insurance first, and then consider financial products such as universal insurance. Because the scientific insurance allocation order is "guarantee first, then manage money". There is also an insurance strategy here. You can also look at: which insurance is good, how to buy a good deal, and teach you how to avoid these pits of insurance.
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