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Hello! 36 years old to buy insurance, you need to choose according to their actual needs, but in general, should be given priority to improve social security, and then consider accident insurance, health insurance, pension insurance and other commercial insurance. Here are the specifics:
1, of course, the first to consider social security, which is often widespread, suitable for a wide range of people, involving old age and medical care, this is a basic protection, it is necessary to do well in advance, professional or non-professional 36-year-olds are able to participate in the insurance.
2, accident risk is the most common risk factors, so 36-year-olds should first buy accident insurance. As 36 people need to bear the heavy burden of the family, so in the choice of accident insurance need to appropriately increase the amount of accident protection, to ensure that once the loss of earning capacity, but still be able to maintain the level of 80% of the income of the next five to seven years is appropriate, the general accidental death coverage is recommended in about 20 million yuan.
3, 36-year-old people work under pressure, go out to socialize more, overtime and late at night is a common thing, their own health problems are becoming more prominent, most of them are in a "sub-health" state. Therefore, 36-year-old people should also buy a health insurance. Forty-year-old men to buy health insurance, to make the amount of insurance enough. At present, the average treatment cost of major diseases is about 100,000 yuan, so the amount of coverage in 100,000 yuan to 200,000 yuan is more moderate, the best not less than 100,000 yuan. In addition 36-year-old woman in the selection of health insurance, need to pay extra attention to women's special diseases, such as breast cancer, cervical cancer, ovarian cancer, female carcinoma in situ, systemic lupus erythematosus nephritis, etc., to check whether the products purchased include these women's special diseases.
4, 36-year-old family and work tend to stabilize, should be extraordinarily consider the future of the pension problem, it is recommended to select a commercial pension insurance, in order to give yourself a happy and fulfilling life in old age.