First, how to buy insurance for adults is the most cost-effective
Adults are generally advised to buy four kinds of insurance: comprehensive accident insurance, millions of medical insurance, critical illness insurance and term life insurance.
Because they are the most cost-effective and relatively sufficient insurance to solve risks such as accidents, diseases and deaths.
1. Comprehensive accident insurance and millions of medical insurance belong to that kind of "cheap insurance". Ordinary adults can buy hundreds of thousands and millions of insurance quotas for only a few hundred yuan a year.
2. If the budget of critical illness insurance is limited, you can buy term insurance first, for example, when you are 70 or 80 years old, you can spend less and buy higher insurance coverage.
3. Term life insurance can give priority to insurance companies that are not well-known but are willing to give profits to consumers.
Second, how do children buy insurance?
For the healthy growth of children, we must buy three kinds of insurance for children: accident insurance, medical insurance and critical illness insurance.
1. It is not difficult to understand that children are easily injured and sick, so accident insurance and medical insurance for children are slightly more expensive than those for adults.
However, the prices of the products in the two types of insurance are not much different, so you can buy them according to your children's needs, and you don't have to worry too much about the price.
2. Let's talk about critical illness insurance first. Children buy critical illness insurance. The principle of saving money is similar to that of adults buying critical illness insurance.
If the budget is limited, it is recommended to give priority to children who pay a single fee, take regular critical illness insurance, extend the payment period as much as possible, and reduce the pressure of payment.
Third, how do the elderly buy insurance?
1. If the elderly are in poor health, you can consider buying paid cancer insurance, which is similar to critical illness insurance, but only protects cancer. If your parents unfortunately have cancer, the insurance company will pay a sum of money directly.
2. If parents are in poor health and can't buy medical insurance, they have to settle for anti-cancer medical insurance, which is much cheaper than medical insurance.
There is another kind of insurance that is very suitable for the elderly to buy: accident insurance for the elderly.
Old people's legs and feet are not flexible, and they are prone to fall and fracture. It is necessary to buy an accident insurance.