Second, your husband is the main pillar of the family and the source of income. You must be equipped with health insurance and medical insurance to avoid poverty caused by illness and major changes in family life. If allowed, you should also buy a critical illness insurance.
Third, your mother-in-law has a strong sense of insurance. You can buy a health insurance plus medical insurance. After all, you are more likely to suffer from serious illness after 45 years old.
It is suggested that health insurance should be covered by multiple payments and mild and moderate diseases, and the premium for serious diseases should be exempted, and the subsequent premium should not be paid. Your husband and wife can choose to insure each other and bring their own insurance. The insured is free of premium, and they can reasonably match, compare several products, and choose the most suitable cost-effective one. You can trust me privately if you have any questions. It's better for you to know more before choosing.