What kind of insurance should a 45-year-old man buy for accidents, medical care and major diseases?

Hello: I know from your description that you are a person with a strong sense of insurance and a heavy sense of responsibility. Insurance is a care, a responsibility and a commitment to family. At your request, I suggest that your father take Ping An outwit universal insurance (6000 yuan)+additional hospitalization allowance (520 yuan)+Ping An Medical Worry-Free Second Generation (4063 yuan) as a reference. You will get the following guarantee. 1, Zhisheng Life: 200,000 life guarantee+65,438+/kloc-0,000 major diseases first payment+65,438+/kloc-0,000 accidental injuries+20,000 accidental medical treatment; 2. Additional hospitalization allowance: 200 yuan allowance for every day of hospitalization, three days for hospitalization due to illness, and all unexpected hospitalization days, with an annual limit of 180 days. 3. The worry-free second generation of Ping An Medical: the total hospitalization amount is 200,000+outpatient amount is 20,000 within 30 days before and after hospitalization for serious illness, 90% is reimbursed within social security, and 60% is reimbursed outside social security (the proportion of all reimbursable drugs within social security in China is 1.4%, and all imported drugs, specific drugs, imported equipment, high-end therapeutic devices, etc. Are outside the medical insurance). 4. If the wise man has lived for 20 years, your plan is a comprehensive plan for security, pension and financial management.