In fact, everyone's actual situation is different and cannot be generalized. If someone tells you that everyone must buy any insurance first, then this sentence must be wrong.
As we all know, there are four basic insurances: medical insurance, critical illness insurance, accident insurance and life insurance, and then other different insurances are derived, such as leukemia insurance for children, cancer insurance for the elderly, and overseas travel insurance. What are the good recommendations for critical illness insurance? I just sorted out the relevant content, hoping to help you: the latest list! Top critical illness insurance list of national insurance companies!
Fundamentally speaking, as long as the four basic insurance configurations are complete, there is basically no problem.
So how should you configure your own insurance? For different age groups, let's take a look at the purchase order of insurance, hoping to make everyone less confused.
Today I'm going to talk about the order in which single people buy insurance.
Accident insurance bears the brunt.
Although it is a Buddhist life and a punk regimen, there is no doubt that single young people are not seriously ill and in good health.
The main problem is lack of money. Whether it's a newly graduated workplace white or a social youth after working for a period of time.
Moreover, their social roots are not deep, and it is inevitable that they will lead a wandering life, from commuting for several hours to traveling for several months in a row.
Based on the above considerations, we suggest that we can start with accident insurance with lower premium, which is less than one year in 300 yuan, and it is more than enough for young people to pay, which can provide enough protection for their own travel.
So accident insurance should be the first and easiest insurance to buy.
Medical treatment for serious illness is a must.
After talking about accident insurance, what insurance should I buy next?
It should be critical illness insurance and medical insurance.
Generally speaking, young people at this time are the support and hope of the family and the main force to earn money.
So if you have a serious illness at this time, it may drag down the whole family, so it is best to buy critical illness insurance and medical insurance together.
But this time, the problem came again. Many young people are not seriously ill, and many minor diseases, such as breast fibroadenoma, thyroid nodules and chronic atrophic gastritis, will be stuck in buying critical illness insurance and medical insurance.
So be sure to buy one when you are in good health, or you may be exempted from liability when the symptoms of the disease appear.
We've all seen Seeing Words Like Face, and one episode is Huang Zhizhong reading a letter to his mother written by Li Zhen, a leukemia patient. We know that it is helpless for young people to get seriously ill, which will bring a fatal blow to the whole family.
So you must have a critical illness and medical insurance. The relationship between them is not "or", but "and".
Life insurance escort
As mentioned earlier, life insurance is also called "the second pillar of mortgage". As the name implies, it means that a person dies or is completely disabled, and the mortgaged car loan can be paid on time with the payment of life insurance.
It is in the prime of life. If you have an accident or are completely disabled, who will pay the mortgage at home? Who will take care of the elderly and children at home? What about the economic expenses at home?
Therefore, life insurance can bring certain economic security to family members, and it can also be regarded as comfort to family members.
To sum up, the correct purchase order should be accident insurance → medical insurance → critical illness insurance → term life insurance.
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