1. If the insured is healthy, it is more appropriate to purchase the following types of insurance:
1. 1 10,000 medical insurance: the premium is cheap and the insured amount is high, but the deductible is relatively high, which can be used to deal with the risk of serious illness;
2. Small medical insurance: the premium is cheap, the deductible is low, but the insured amount is also low, which can be used to deal with the risk of minor illnesses;
3. Critical illness insurance: it can mainly protect malignant tumors, cerebral hemorrhage, severe hand, foot and mouth disease and other serious diseases. There are high and low premiums. For example, consumer critical illness insurance is much cheaper than returned critical illness insurance;
4. High-end medical insurance: The coverage is relatively wider, but the premium will be higher.
Second, if the insured suffers from illness and cannot be informed of the health of the above insurance products, then the following types of insurance can be considered:
1. accident insurance: it mainly covers accidental death or disability and accidental medical treatment. Most of them don't need health information, and even if they do, it's easier. Usually, as long as you are not suffering from malignant tumor, paralysis or other serious diseases, you can still be informed by health.
2. Anti-cancer insurance: it can mainly cover malignant tumors, and health notification is more relaxed than critical illness insurance. Usually, as long as you are not suffering from malignant tumors or related diseases, you can still be informed by health;
3. Anti-cancer medical insurance: it can mainly reimburse the insured for medical expenses caused by malignant tumors, and health notification is more relaxed than million medical insurance;
4. Pratt & Whitney Commercial Supplementary Medical Insurance: Most of them can be bought as long as they have local basic medical insurance, regardless of their health status.
Third, if you want to manage your finances through insurance or have the need to inherit wealth, you can consider buying the following types of insurance:
1. Life insurance: For example, if the whole life insurance is increased, the insured amount and cash value will increase year by year. Policy holders can get part of the cash value of the policy at any time by reducing the insurance;
2. Annuity insurance: pay the premium on time in the early stage, and you can receive the annuity according to the insurance contract when you reach the age of receiving the annuity;
3. Universal insurance: premiums and insurance premiums can be put into universal accounts to compound interest and increase profits;
4. Dividend insurance: Dividend can be paid once a year, but the dividend cannot be determined;
5. Investment-linked insurance: insurance is linked to investment, and there are accounts such as guaranteed income account, development account and fund account. Different portfolios with different accounts have different returns and risks. However, the higher the income, the higher the risk.
In addition, in addition to commercial insurance, it is suggested that you can participate in basic social security, which is the most basic protection. The premium is generally not high, but the coverage is relatively wide and has a certain national welfare nature.