I. critical illness insurance
Is critical illness insurance, refers to the insurance company, when some major diseases, such as malignant tumor, myocardial infarction, cerebral hemorrhage, etc. occur as risks, when the insured reaches the state of major diseases agreed in the insurance terms, the insurance company pays the insurance money according to the insurance contract. Critical illness insurance can help us transfer the economic risks brought by serious illness. Don't wait for the premium to get higher before considering buying insurance. It is recommended to buy critical illness insurance as soon as possible.
Second, accident insurance.
Accident insurance, as its name implies, is aimed at unexpected risks, and its main insurance liabilities include accidental medical treatment, accidental disability and accidental death. Accident insurance is very cheap, ranging from tens to hundreds of yuan a year, and can be fully guaranteed. Accident insurance can be said to be a short-term insurance. Generally, it is better to buy short-term products, because products with longer terms will be more expensive, and such products are more updated, so it is better to buy short-term products.
Third, medical insurance.
Medical insurance is mainly for medical insurance, because our medical insurance can't protect us in many aspects, and generally only reimburses 50%~70%. Medical insurance, on the other hand, covers the expenses of medication, medical equipment and major surgery, all of which can be reimbursed. Medical insurance is mainly divided into millions of medical insurance and small medical insurance. Millions of medical insurance generally deductibles 1 10,000, but the reimbursement amount is very high. The deductible of micro-medical insurance is low, even zero, but its reimbursement amount is not as high as that of millions of medical insurance. Medical insurance is much cheaper than other types of insurance and is suitable for all people. Medical insurance can be said to be quite cost-effective for adults.
Fourth, life insurance.
Life insurance is a very simple insurance, and the standard of claim is very hard: death. According to the guarantee period, life insurance is divided into term life insurance and whole life insurance.
Term life insurance: only covers death/total disability within a fixed period. If there is no danger when it expires, the premium will not be refunded, so the price is cheap.
Whole life insurance: Give consideration to both insurance and savings functions. Because people will die and get paid. It has the function of wealth inheritance and reasonable tax avoidance, and the price is very expensive.
A fixed life is a more suitable choice for most ordinary people.
There is no best insurance in the world, only the insurance that suits you best. It can be configured according to your family situation.
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