How to buy insurance is generally better.

Generally, how to buy insurance is better, and the choice should be made according to the specific situation. Insurance mainly includes accident insurance, medical insurance, critical illness insurance and term life insurance.

1. Choose according to different groups of people.

1. Adult: The old and the young are the pillars of the family, which is the key guarantee. The four types of insurance should be fully allocated.

2. Children: Children have no income and do not assume family responsibilities, so there is no need to buy life insurance. However, the risks of serious illness and accidents still need to be guaranteed.

3. Old people: Old people have no family responsibilities when they retire, so they don't need life insurance; But accident insurance and medical insurance must be bought.

second, choose according to the scope of protection.

1. accident insurance: the economic responsibility of adults is relatively heavy, and the insurance coverage for accidental death or disability in accident insurance must be high. At the same time, accident insurance is a highly leveraged product with low premium. At the same time, you can choose comprehensive accident insurance, which can protect accidental medical expenses on the basis of death and disability, and is more practical for ordinary people.

2. medical insurance: for most adults, the common million-dollar medical care can meet the demand, mainly transferring the risk of large medical expenses. If there are high requirements for medical conditions, then consider high-end medical care. If you have hypertension, diabetes and other abnormalities and can't buy ordinary medical insurance, you can consider anti-cancer medical insurance. Although it is only for cancer, it can also cover certain risks. You can choose to add insurance for hospitalization, and you can get compensation for hospitalization expenses.

3. Critical illness insurance: The fixed payment function of critical illness insurance is not only helpful for the early treatment, but also plays a role in the later recuperation.

4. term life insurance: taking the life span of a person as the target, paying the insured amount after death can also be understood as "value insurance". Adults are the main force to earn money. If they leave unfortunately, their families will suffer great losses and pressure. Term life insurance can not only be used to save the family economy, but also be of great help to mortgage, car loan, children's education and old-age care.

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