1. Life insurance: Life insurance is based on human life. In short, it guarantees life and death. This kind of insurance is mainly applicable to the breadwinner of the family, so as to avoid the situation that income is interrupted and the family is in trouble due to the unfortunate death of the breadwinner. Common life insurance includes survival insurance, death insurance and endowment insurance. Of course, annuity insurance is also a kind of life insurance. Its function is to ensure that a large sum of money can be obtained at some time in the future. It is a product that locks in long-term benefits and can be used as a preparation in advance for education, marriage, venture capital, pension and asset inheritance.
2. Health insurance: Health insurance is aimed at the risk of disease, which can not only provide the expenses needed for treatment, but also compensate the benefits. Common health insurance is mainly medical insurance and critical illness insurance. Critical illness insurance is a product that is confirmed to be paid, and the diseases and payment conditions agreed in the contract are the key. When the disease agreed in the contract occurs, the insurance company pays the insurance money agreed in the contract, and there is no restriction on the use of the compensation funds. Medical insurance is a reimbursement product. When the insured suffers from medical expenses or income loss due to illness, the insurance company will assume the responsibility of protection. As an effective supplement to social security, medical insurance cannot be ignored. In addition, there are long-term care insurance and disability insurance. , but it is rare at present, so I won't introduce it here.
3. Accidental injury insurance: Accidental injury insurance mainly covers accidental death, accidental disability, accidental medical treatment, accidental hospitalization allowance, etc. This kind of insurance has the advantages of low premium, high security, generally no requirement for health status, and is suitable for people of all ages. At the same time, for specific scenarios, there are traffic accident insurance, travel accident insurance, aviation accident insurance and other products to meet people's different security needs.