How do you get good insurance? What are the things to pay attention to?

Insurance is usually used to transfer the risk of economic loss, but many friends do not know whether to buy insurance, which insurance should be bought, so the following school sister will give you those things to buy insurance.

Friends in a hurry can first collect this insurance strategy:

"How to buy insurance, hand teach you to avoid these pits of insurance"

One, do you want to buy insurance?

The purchase of insurance products is desirable, the purchase of insurance products must be selected right. For those who want to insure their partners, critical illness insurance, medical insurance, accident insurance and term life insurance products are still very worthwhile to buy, together with everyone.

1, critical illness insurance + medical insurance (transfer disease risk)

According to the data analysis, the average cost of treatment for major diseases is generally more than 30-70 million yuan.

If you are unfortunate enough to suffer from a serious illness, how can an ordinary family afford to pay for such treatment?

Medical costs are only part of the equation, as well as the cost of follow-up care, which can be a huge financial burden on families.

If you have a critical illness insurance policy and a medical insurance policy, the medical insurance policy will reimburse you for the contracted medical expenses incurred due to the illness, while the subsequent convalescence expenses and loss of income can be covered by the premiums paid by the critical illness insurance policy.

There are still more critical illness insurance products on the market, and you may encounter some difficulties in choosing, so don't worry, the school has organized a list for you, which are all cost-effective critical illness insurance:

Top Ten Cheap and Good Price Critical Illness Insurance Roundup!

2, accident insurance (transfer the risk of accidents)

In fact, we often have a lot of accidents in our lives, such as drowning, plane crashes and so on, although the likelihood of this kind of thing is unlikely to happen, but really because of the accident accident accidentally died, not only will give the family will not only bring mental trauma, but also bring financial pressure.

Accident insurance is relatively affordable, only a few tens or hundreds of dollars a year can pry dozens or even millions of dollars of coverage, the performance of the cost-effective performance is excellent. Therefore it is very necessary to take out an accident insurance.

3, term life insurance (transfer the risk of premature death)

For the family breadwinner, the body carries a very big responsibility, if the unfortunate premature death, the whole family will bring a huge impact this is undoubtedly.

Car loans, mortgage payments can not be afforded, the economic income is greatly reduced, perhaps the entire family's daily life can not be maintained.

So the best way to transfer the risk of premature death is to choose to allocate a sufficient amount of term life insurance. In the unfortunate event of death, at least you will be able to give your family a death benefit, a continuation of love and responsibility.

Two, what are the considerations for buying insurance?

1, the first protection after the financial

Many partners have chosen to start a variety of financial insurance, but there is no configuration of protection type of insurance. Financial insurance coverage is small, there is no way to give consumers adequate protection when the risk comes. In this way, assuming that people want to buy financial insurance, focus on good protection. Give yourself adequate protection.

2, children old people are not suitable to buy life insurance

The above content also said, life insurance has the function of transferring the economic risk brought about by premature death, this kind of insurance is more suitable for family economic pillar to start, and the elderly, children do not have the ability to bear the financial responsibility of the family, so it is recommended that it is best to Therefore, it is best not to buy life insurance for them. If you are planning to buy insurance for the elderly and children, it is best to take out critical illness insurance, medical insurance and accident insurance.

Three, sister summary

In fact, the role and function of the different insurance products are different, but can reduce the economic losses brought about by these risks.

And people will always face a variety of risks in their lives, so it is important to buy insurance, so that not only for their own is a kind of protection, but also for the family responsible for the embodiment.

Finally, there are 3 programs here, if you do not know how to configure the whole family insurance, may wish to refer to reference:

"3 sets of programs to match the whole family insurance"

Written in the last

We have to be careful when we are not in a situation where we are not in the right place, but we are in the right place, so that we can be in the right position.

I am Scholars Say Insurance, focusing on objective, professional and neutral insurance assessment;

If the above content has not solved your problem, you can also come to the public number of Scholars Say Insurance to consult me;

I will give you the most professional advice with my many years of experience in configuring insurance for 10W+ families.

Public number: the school bully said insurance spend less money, buy the right insurance!