(1) medical insurance
(2) Accident insurance
(3) Sickness insurance
(4) Life insurance
Different types of insurance have different functions, and there is no best way to say it. Choosing the right insurance according to your own needs, or even a combination of multiple types of insurance, can achieve comprehensive protection. Let me briefly introduce the functions of various insurances:
(1) Medical insurance is an insurance that deals with reimbursement of treatment expenses. It is also divided into several simple types: hospitalization for sudden medical diseases and hospitalization allowance. Matching and complementing medical insurance can build a perfect medical reimbursement system, so that we can spend less or even no money on medical treatment.
On the premise of medical insurance, you can choose the combination of hospitalization+hospitalization allowance+million medical insurance. Hospitalization needs include hospitalization for accidents and diseases, and it is best to include emergency and outpatient services, and reimburse small hospitalization expenses; If the hospitalization expenses are extremely huge, millions of medical services are needed for corresponding reimbursement, so this combination can basically cover all hospitalization expenses reimbursement. Hospitalization allowance is a certain subsidy according to the length of hospitalization, which can be added as appropriate.
(2) Accident insurance, with low premium and high insured amount, is the most cost-effective type of insurance. Generally speaking, it deals with the risks of death and disability caused by transportation, natural disasters and non-diseases Generally 100-200 yuan can buy hundreds of thousands of guarantees.
(3) Life insurance. Life insurance is based on human life. It can transform people's value into money insurance, which is suitable for families with more wealth to inherit wealth and deal with debt risks such as mortgage and car loan.
(4) sickness insurance. Sickness insurance is a kind of conditional compensation insurance, and it is also the most expensive of this kind of insurance. It is a kind of compensation insurance to protect income interruption caused by illness. If it meets the requirements, you can pay the corresponding insurance amount.
Under normal circumstances, the common health insurance is a combination of sickness insurance and medical insurance, which can not only provide reimbursement for hospitalization expenses, but also provide compensation for insurance coverage. Hospitalization not only costs little or no money, but also leads to a compensated life.
Of course, there are many kinds of products on the market at present, and the terms of insurance contracts are also complicated. How to choose insurance is a very in-depth problem. On the one hand, the subject needs to provide relatively perfect personal information, economic ability and considered needs, on the other hand, professionals are needed to help you choose suitable and cost-effective products in the market.