The risk of death, total disability and inability to continue working to make money is borne by life insurance; The risk of income loss, expenses after recovery and health expenses during critical illness shall be borne by critical illness insurance; Medical expenses caused by serious illness, millions of medical insurance compensation; Comprehensive accident insurance covers medical expenses, death and disability claims caused by accidents ~
Life insurance suggests choosing term life insurance, which can guarantee retirement age; The critical illness insurance coverage is 500,000. According to the latest statistics, the cost of treatment for serious illness is 300,000-500,000, which is not a small savings for most ordinary families. Medical insurance chooses millions of medical insurance, which has a high leverage ratio and can effectively avoid returning to poverty due to illness; For accident insurance, you should choose products with accidental medical treatment, and you can reimburse the expenses incurred by hospitalization due to accidental injuries.
However, senior sister wants to say that the specific allocation method needs to be considered in terms of comprehensive budget and health, because everyone's actual situation is not the same. Healthy people can choose products with loose health information, while friends with small problems such as nodules and cysts need to screen products, otherwise they are likely to be refused insurance or excluded from underwriting. Not only these, but also the protection content of products in the market has its own emphasis. Choosing the product that suits you best is not a simple matter. If you are not careful, you will buy the wrong one and the expensive one.
Therefore, friends who want to configure commercial insurance must read the raiders written by this senior sister before buying: Super Complete! Everything you want to know about insurance is here. Avoid into the pit.