If it is critical illness insurance, it is recommended to buy products with pure protection. The premium of products with return due or investment dividends is relatively expensive, so it is not cost-effective to buy products with return due or investment dividends at your current age. For example, the health care expert you consulted, China People's Insurance Company has a regular personal illness protection plan for serious illness (20 years). This is pure protection type critical illness insurance, and the premium is relatively cheap, 300,000 yuan, which is paid in 20 years, and the annual premium is 6 150 yuan.
In addition, one-year products with comprehensive protection such as accident insurance and health insurance can also be considered. This kind of insurance premium is much cheaper than long-term insurance, and the protection is relatively rich and comprehensive, and it can be renewed every year. For example, China people's health insurance plan-the popular version, the premium for 46-50 years old is 550 yuan, which covers 6,543,800 yuan for serious illness and 200,000 yuan for accidents and accidental medical treatment, and can be extended to 60 years old. Of course, the premium of each age group will be different. 7 1-75 years old annual premium 1998 yuan. What insurance to buy depends on personal preference.