First of all, social insurance, such as urban social security and rural cooperative medical care, must participate, which is still relatively effective.
In addition, in terms of commercial insurance, I will probably make a train of thought:
1, this age group can focus on accident insurance. Because accident insurance has the characteristics of low premium and high personal security, the insurance rate before the age of 65 is mostly the same as that of young people. The first choice is accidental injury insurance and accidental medical insurance.
As for the problem of providing for the aged, there is no room for operation at this age. Even if there is insurance protection, it has no practical effect and is easy to make mistakes. Not recommended.
3, as for the protection of serious illness, you can vote, but you must do what you can! Because the premium at this age is much more expensive, it can be increased appropriately if economic conditions permit.
I think the most important thing is to do your own risk protection for your children. Most parents depend on children like you, so doing their own risk protection is to protect their parents.