There are various types of insurance on the market, but what kind of insurance is suitable for you to buy? We all know that insurance can be divided into accident insurance, medical insurance, serious illness insurance and life insurance. How to buy these four types of insurance? How to choose the insurance that suits you? Here is a brief explanation for you, and I hope it will help you.
The role of accident insurance: Accidents are inevitable in life. Disability or even death after accidents will seriously affect family income. If accident insurance is taken, accident insurance will pay a large amount of money. There are a lot of accident insurance that can be insured for more than 100 yuan for a whole year, which is very cheap. Accident insurance is insured by year and paid for one year. Accident insurance is cheap and suitable for all family members.
Amount of accident insurance: The insured amount of accident insurance is generally 3-5 times of family income. If the insured amount of accident insurance is not enough, you can buy more than one, and the insured amount can be superimposed
The role of medical insurance: most of us have medical insurance, but the medical insurance coverage for minor diseases is OK, which belongs to basic funds. However, large medical expenses of hundreds of thousands of yuan need to be covered by commercial medical insurance to reduce the possible economic losses to families.
Difference between medical insurance and serious illness insurance: The medical insurance is mainly aimed at the medical expenses after illness, and the serious disease insurance is mainly used to protect the insured from serious illness. The medical insurance compensation is mainly for the treatment expenses after illness, and the serious disease insurance compensation can be paid according to the insurance amount as long as the guarantor has confirmed the diagnosis. Therefore, serious disease insurance can solve urgent problems. The purpose of medical insurance is to reduce family medical expenses, provide rescue funds for serious disease insurance, alleviate the loss of family income caused by serious diseases, and reduce the pressure of personal burden.
Compensation characteristics of serious disease insurance: Once the serious disease insurance is confirmed, it will be paid immediately. The compensation can be used to treat serious diseases, or it can be freely used to ensure the quality of life of the family. Serious disease insurance is mainly 25 kinds of serious diseases stipulated by the state, which cover more than 90% of serious disease claims. Serious disease insurance is generally expensive, which is suitable for priority allocation to the main force of family income. If the funds are sufficient, it can be allocated to other family members. Serious illness insurance can only be bought by people younger than 55 years old. The older the age, the higher the cost of serious illness insurance.
