If the man is 44 and the woman is 33, it makes sense to buy insurance. You can buy sickness insurance, accident insurance, medical insurance, employee benefits, women's exclusive and so on. Then combine this to say which insurance is more cost-effective. Let's talk about accident insurance first, not illness insurance. If you don't engage in transportation or ride frequently, it is not recommended to buy such insurance.
Then there is medical insurance. With medical insurance, the national social security mechanism is still relatively good, especially the social security paid by the unit covers many aspects, so it is not recommended to buy it. In addition, there is no need to buy insurance such as employee benefits or women's exclusive insurance, because even if you buy such insurance, you may not get it, and the protection is not very high. It is not recommended to buy it.
Finally, talk about sickness insurance, which can be purchased. Because even social security can be reimbursed, but for diseases that are difficult to treat, such as cancer and leukemia, even if there is social security, there is a certain proportion of social security reimbursement. If you buy commercial insurance, it will be different. Will be reimbursed, mainly when signing the contract. Pay attention to what kind of protection. Like for life or several times.
Because only diseases are real and need to be deliberately protected. Plus, I am seven years older than a woman, so when my wife retires, I will be almost 72 years old. At this time, I can't stand any pain, especially the impact on my family and children. Therefore, it is more reasonable to buy a serious illness insurance (minor illness can be reimbursed by social security), and serious illness needs more money.
Extended data:
Buying insurance first depends on personal economic strength and demand. Most people buy critical illness insurance, and the younger they are, the cheaper they get. Because there are more and more diseases at a certain age, the cost of buying insurance is getting higher and higher. So if you buy it at the age of 40, it is recommended to buy sickness insurance. You don't have to buy other insurance if you have a job, at least you can afford it now.
Especially the old-age insurance. , can be paid by individuals, as long as 15 years, at least at the retirement age, there will be a basic living allowance. But a serious illness is different. If you encounter a serious illness after retirement, it is not only a matter of spending money, but also a problem of the whole family economy. If there are diseases and wealth management products, it is the most cost-effective, which can not only ensure the reimbursement of critical illness insurance, but also make a profit in a certain period of time.
References:
China Pacific Insurance official website official website