Economists have clearly stated that 20% of the people in the society occupy 80% of the social wealth. For the remaining 80% of the family, only 20% of the social wealth, the less wealth owned, the ability to resist risk is also the worse, especially against the risk of disease and accidental risk of the ability is particularly insufficient, so it is particularly need to configure protection type insurance. "The first thing you need to do is to get a good deal of money from the company.
1. Critical illness insurance: more chances for life!
Critical illness insurance provides a lump sum payment once the diagnosis is made, which is meant to save your life in the first place and compensate for the loss of income during the period of illness as well as the subsequent rehabilitation costs.
Because once you have a serious illness, you will need to pay for:
Large sums of money for treatment, loss of income, family members needing to take time off work to take care of your family members and therefore needing family members to stay with you, and you will need to spend a long time after you leave the hospital on supplementing your diet so you will need to spend money on rehabilitation, as well as paying for the mortgage on your home if you have a family, and so forth, a series of expenses that you can't stop taking care of.
Buying a critical illness insurance policy, with sufficient coverage, the above costs can be very well solved.
Highly cost-effective product recommendation: Fosun United Kang Le Lifetime 2019
Product highlights: more types of diseases covered, better value-added services
1. 108 types of critical illnesses + 25 types of intermediate diseases + 40 types of minor illnesses comprehensive coverage
2. Additional 30% of the critical illness sum assured will be paid out in the first 10 years of the insurance policy
3. Critical illnesses second payout + cancer Secondary benefit (optional)
4. Death and total disability coverage
5. Double exemption for the insured
6. Health Star Club to enjoy quality health value-added services
1. Medical insurance: to make up for the insufficiency of social security, and to reduce the pressure of medical treatment caused by diseases
Critical illness insurance is for serious diseases, and has no responsibility to protect against diseases other than those stipulated in the contract, while medical insurance has no responsibility to cover diseases other than those stipulated in the contract. The medical insurance has no limitation on the types of diseases, and the coverage is wider than that of heavy diseases, but it is a kind of insurance that reimburses after the event. Therefore, the medical insurance and the heavy disease insurance are paired with a better protection, which can solve the treatment cost on the one hand, and solve the problem of income interruption on the other hand.
In recent years, more and more million medical insurance products, for people in their thirties, the annual premium is only a few hundred dollars, and not limited to medical insurance, can cover the cost of medication, treatment, surgery, etc., and reimbursement of a high proportion of the social health insurance is also a strong supplement.
Cost-effective product recommendation: Ping An eShanghai insurance (guaranteed renewal version)
Product highlights: guaranteed renewal written into the contract + the first medical insurance malignant tumors premium exemption
1. guaranteed renewal of 6 years, 6 years of constant premiums, renewal can be up to the age of 99 years old
2. general medical + cancer medical, up to 4 million coverage
3. medicine Wide range of medication (self-financed drugs and imported drugs can also be reported), no restriction on the means of treatment
4. Malignant tumors have allowances, and 10,000 yuan will be compensated upon diagnosis
5. Malignant tumors are guaranteed to be exempted from the remainder of the premium during the renewal period!
1. Accident insurance: the golden bell of life safety
The risk of accidents is equivalent to a sudden disaster, the most unpredictable and sudden impact on the life of the whole family. With the rapid economic and social development and rapid progress, we are facing an increasingly complex and changing social environment. Safety and security are the most basic needs in everyone's life. It has been proved that having adequate accident insurance for yourself and your family can effectively reduce the financial losses caused by unexpected risks.
Highly cost-effective product recommendation: Kunlun King Kong Insurance Long-term Accident Insurance
Product highlights: high cash value + long-term accident protection + sudden death protection
1. Flexible coverage period: 10/20/30 years, up to 70/80/lifelong
2. High insurance coverage, the accidental death, accidental disability up to 1.5 million
3. >3. Includes Sudden Accidental Death Benefit, which pays 50% of the sum assured
4. Additional Transportation Accident Benefit, which pays up to an additional 1 million
5. With Accidental Disability Premium Waiver
Personal Accident Insurance is the most basic risk protection, providing the highest amount of protection at the cheapest cost. Therefore, this is the first thing everyone should buy for their own insurance, such as just out of the community to join the work of young people, limited financial capacity, both to accumulate wealth for life, but also need to buy a house, buy a car to prepare, they do not have too much money to buy insurance, and to buy a full amount of accident insurance, can provide its life and safety protection, in case of unfortunate accident, the accident insurance beneficiaries can fulfill the responsibility of the unfulfilled on their own! The first thing you need to do is to get the money back from your parents, and the second thing you need to do is to get the money back from your parents.