The second category is commercial health insurance: the health crisis is increasingly exposed, the coverage of social insurance is limited, and the coverage of medical insurance is low, which cannot give us all-round care. According to the current actual level of disease expenditure, it is best to set the insurance coverage at 10 times of annual income when purchasing commercial health insurance, and the premium should not exceed 10% of annual income.
The third category is commercial life insurance: a person's life has a long way to go, and it is an unshirkable responsibility to his family and family. At present, the common commercial life insurance products mainly include term life insurance and whole life insurance. For families with less savings on hand, comprehensive term life insurance with low insurance premium is a good choice. If you have a higher income, you might as well buy a whole life insurance.
The fourth category is commercial endowment insurance: "4-2- 1" family model and rising prices make the future endowment insurance a social problem. When handling commercial endowment insurance, it is necessary to specify the payment period. It is suggested to shorten the payment period appropriately, so that the total premium to be paid will be reduced.
The last category is commercial property insurance: natural disasters, theft cases, water pipe bursts and so on. They all pose a great threat to family property, and once they are accidentally attacked, the family loses a lot. When choosing commercial property insurance, we should make clear the scope of protection. Generally speaking, houses with complete property rights, interior decoration, household appliances, etc. Belonging to insurable property; And some antiques, calligraphy and paintings, and unvalued properties are all uninsurable property. You need to choose a suitable commercial insurance according to the actual situation of yourself and your family. When choosing commercial accident insurance, it is more cost-effective to include accidental medical treatment and daily hospitalization allowance. If necessary, you can also buy special vehicle accident insurance. When purchasing commercial health insurance, the insured amount should be determined appropriately. After the basic guarantee is perfect, you might as well buy a commercial life insurance and assume the responsibility for your family. In addition, after the protection of yourself and your family is perfect, buy a commercial property insurance and spend a little money to buy a big peace of mind.