Critical illness insurance: Hongkang Life's lifelong critical illness insurance A+ additional mild illness B.
Harmony Health Insurance Company enjoys regular critical illness insurance for health.
Life Insurance: Optimus Prime Term Life Insurance.
Medical insurance: Allianz cherishes medical insurance.
Accident insurance: Anxin Property Insurance "Anyibao" comprehensive accident insurance.
If you forget what each kind of insurance is for, you can go back and have a look. No insurance = streaking (2). I'll start from the simple, first pinch the soft persimmon, and then chew the hard bone. In this way, friends can insure once, buy early and protect early.
0 1 comprehensive accident insurance
Accident insurance doesn't have much health information, and the purchase conditions are very loose. As long as normal people are not dangerous occupations and have dangerous hobbies, they can buy them with a few strokes.
Parents and elders are prone to fractures, falls and other risks, but medical insurance has high health requirements and can only be purchased under 60 years old; The premium of critical illness insurance may be higher than the insured amount, which is not worthwhile. Buying them an accident insurance can share some risks.
The comprehensive accident insurance premium has nothing to do with age. Choose a one-year short-term product and renew it year by year.
I chose "Anyibao", with 500,000 accidental death/disability, 20,000 accidental medical treatment (0 deductible) and 200,000 insurance money for sudden illness death (not sudden death, sudden death is sudden death for no reason). Sudden illness is not an accident, but this accident insurance is also covered), annual premium 198.
02 medical insurance
Medical insurance cannot guarantee renewal. After all, Internet insurance companies are all businesses that make money at a loss, so I choose big companies and hope that the products will last longer.
Medical insurance can only be bought for people who are in very good health, and the age of first insurance cannot exceed 60-65 years old (each product has different regulations).
In the medical insurance of large companies, Ping An E life insurance is the most relaxed, so you can try this for minor illnesses.
I bought Allianz Zhen 'ai medical insurance, with the insured amount of medical expenses 1 10,000 (deductible 1 10,000) and death 1 10,000. The premium is less than one year in 400 yuan, which is quite cost-effective.
The deductible mentioned above is 65,438+00,000, which is included in the same type of million medical insurance. What does this mean?
Medical expenses will be reimbursed by social security first, and the remaining out-of-pocket expenses will only be paid if it is less than 65,438+00,000. The deductible is calculated in years. For example, in one year, I paid 6000 yuan for the first hospitalization and 5000 yuan for the second hospitalization, which exceeded the deductible 1000, and the extra 1000 can be paid.
Some friends will say that the medical expenses of many diseases are less than 1 10,000 after social security reimbursement. What's the use of this medical insurance?
It is with this deductible of 65,438+00,000 that the insurance company can reduce the premium to such a low level, and the minor illness can be paid by itself, and the serious illness can only be used to obtain this insurance. Besides, don't we have accident medical insurance with 0 deductible? Can cover the medical expenses caused by accidents.
The above two kinds of insurance can solve the problem of poverty caused by illness. The annual premium adds up to less than 1000 yuan, which is the first choice for people with insufficient budget.
03 life insurance
The insurance coverage of life insurance is generally 10 times of the annual income, which ensures that the family's economic situation will not be affected for a period of time.
The premium of life insurance is the most flexible. Generally speaking, the money used for insurance accounts for 10% of the annual income, and the premium for critical illness insurance accounts for 2/3 of the total premium. Take the income of 6.5438+million as an example, the total premium is 6.5438+million, and the critical illness insurance premium is 6,000-7,000. The rest of the premium budget, except accident insurance and medical insurance with similar prices, should be used for life insurance.
Make sure the insurance coverage is sufficient, and money is only useful in the event of death. Buy whole life insurance if the budget is high, and there will always be compensation sooner or later. If the budget is not high, buy term life insurance to provide protection during the economic pillar period, and then gradually improve it when you have money.
Whether it is illness or accidental death, life insurance can pay; Accident insurance only pays for accidental death. In theory, life insurance can cover accident insurance. Then why buy two more?
The reason is: spend less and do more. Take Optimus Prime term life insurance as an example, a product with high cost performance (life insurance liability is simple, and prices need to be compared). 30-year-old female, 500,000 insured, guaranteed to be 70 years old, paid in 30 years, and the annual premium is about 1 200. How much is the accident insurance with a coverage of 500 thousand? 198!
If the amount of life insurance is sufficient, you can not buy accident insurance, or adjust the amount of accident insurance appropriately. If you can't afford life insurance, you have to buy accident insurance first.
Critical illness insurance is expensive and complicated, and the next part is devoted to it.
From junior to skilled insurance series:
No insurance = streaking (1)
No insurance = streaking (2)
No insurance = streaking (3)
No insurance = streaking (4)