Children's insurance coverage should not be too low, at least 300,000, and children aged 65,438+00 are around 5,000 per year.
Adults can consider not paying for multiple serious illnesses. If you buy 300,000 1 time critical illness insurance, you will buy about 8,000 yuan at the age of 30.
Most of the short-term health insurance products in the market need to be renewed every year, and some products will refuse to renew their insurance because of claims or physical problems of the insured. Moreover, the maximum renewal age of such products is generally 65 years old, but the medical expenses spent by a person after 60 or 65 years old account for about 50% of a person's life. Therefore, these insurance products are often not available when the insured needs medical insurance most.
The emergence of lifelong health insurance makes up for the shortage of short-term health insurance to some extent. Its insurance premium rate is balanced, and it will not increase because of the change of the insured's age and physical condition, and the insured does not have to worry about the insurance company raising the premium or refusing insurance. For example, the contract of AIA Kangfu Lifelong Health Insurance Plan stipulates that once insured, it will be guaranteed for life. Effectively solve the problem of increased medical expenses for the elderly insured.