Huashan resigned to protect health.

At present, insurance is paid first, and insurance is paid in order. Generally speaking, 10% of your income is used to buy insurance, so you can have an insurance amount equivalent to 5- 10 times your income. There are two ideas for reference.

1. Pure guaranteed lifetime critical illness insurance with additional term life insurance.

2. Universal insurance for whole life insurance, with coverage of 300,000 yuan and additional critical illness coverage of 200,000 yuan. Although universal insurance is deducted at the natural rate, the deduction is extremely low for young people, and the annual risk protection cost is only a few hundred yuan, which lays the foundation for future pension planning (because universal insurance can adjust the premium expenditure according to its own income and adjust the insurance amount according to the family situation every year).

Of course, no matter which of the above ideas, we need to have an accident insurance card first to solve the problem that accidental medical social security cannot be reimbursed, and at the same time solve the most uncontrollable risks in our lives. 100 yuan-one ticket to 200 yuan. Purchase according to needs and conditions. If you travel abroad or have a lot of business trips, buy transportation to pay for it. If it is an office job, buy the most traditional one. I know a good website (Qian Bao. Com), where there are rich insurance products, where can I go and have a look.

In terms of hospitalization, it can be supplemented according to social security reimbursement and personal medical habits.

In addition, don't fall into the strange circle of product comparison, it is easy for you to fall into it. Understand your own security needs first, and then contact a professional agent according to your ideas. Insurance companies are as important as agents. From the product portfolio, it is enough to give it to a professional and honest agent.