Which is better, critical illness insurance, Xinhua health and worry-free, peace and happiness?

Neither is suitable, because the 46-year-old is almost 50 years old. Which should I buy at this time? The insurance premium you pay is higher than your insurance amount. For example, the insurance amount you buy is 400 thousand, and the premium you pay is almost 500 thousand, which is not very cost-effective

I'm safe. I suggest you buy an endowment insurance product directly. Why? Because you retire at the age of 60, the remaining time is only 14 years, so after 60, you must need old-age insurance. As far as health is concerned, you can buy happiness or enjoy it. This reimbursement of medical insurance, hospitalization a total of 600 thousand reimbursement.

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.