"health insurance"
Health insurance is the health condition of the insurer, which is mainly divided into medical insurance and sickness insurance.
1. Disease insurance: Critical illness insurance and cancer prevention insurance are products paid in advance, so you can buy multiple copies to increase the insurance coverage. Many people say that there are too many pits in critical illness insurance. How to avoid these pits? In fact, critical illness insurance is not that complicated. Find out these rules, and you won't be in into the pit: which is better for critical illness insurance, and how to buy it cost-effectively, and teach you to avoid these pits of insurance.
The function of critical illness insurance is to supplement the income loss caused by illness, so the insured amount is generally the sum of five years' income.
2. Medical insurance: Medical insurance is a product of reimbursement, reimbursement and sales. The amount paid by the insurance company should be less than or equal to the actual cost. At present, the products on the market are mainly inpatient medical treatment, and there are also products with outpatient responsibility. Medical insurance is consumer-oriented and requires the strictest health.
"life insurance"
Life insurance is a product designed for a person's life. It is divided into survival insurance, death insurance and old-age security. Life insurance (death insurance) is mainly used to solve the love and responsibility for family members.
"accident insurance"
Accident insurance is to transfer the risk of personal injury in foreign, sudden and non-disease accidents that may be encountered. Responsibility for protection includes accidental death and disability. Mainly consumer products (pay one year, guarantee one year), the premium level has nothing to do with age and gender, and is linked to occupational risks, so the premium is cheap.
In fact, we will face all kinds of risks in our life, big or small. What we can do is to plan ahead, take responsibility, make a good plan, and avoid family financial risks before the risks come.