About buying insurance! urgent

If you want to buy insurance, you should choose the insurance products that suit you from the demand and budget.

And before buying insurance, you should also understand some basic knowledge: before buying insurance, you must first understand these key knowledge points!

1. Confirm requirements

Buying insurance should be configured according to its own risk gap, such as diseases, accidents, deaths and other risks.

Taking the family economic pillar as an example, it is suggested to complete critical illness insurance, medical insurance, accident insurance and term life insurance first.

The claims of critical illness insurance are not limited to use, and can be used to make up for the loss of income caused by serious illness.

Medical insurance is a supplement to social security, which can reimburse necessary and reasonable medical expenses and reduce the economic burden of seeing a doctor;

Accident insurance usually provides accidental death, accidental disability and accidental medical protection, and the price is relatively close to the people;

Term life insurance mainly provides death protection, and you can leave a sum of insurance money for your family after your death.

If you want to know the insurance configuration plan that suits you, you can poke: How to buy insurance at different ages? Everyone should have his own plan.

Step 2 pay attention to the budget

Insurance allocation should also consider your own budget. The general family premium budget should be within 20% of the family annual income.

If the budget is not enough, priority should be given to consumer products of security nature, which can extend the payment period and alleviate the short-term pressure.

If the budget is sufficient, when choosing products, you can choose enough guarantee amount and configure more comprehensive guarantee.

If you have spare money on hand after personal protection, you can also match some financial insurance, such as annuity insurance.

It is not easy to balance the insured amount and premium. You can see what the experts say: How much is the insurance coverage? Tell me the doorway inside.

Hope to adopt

The same number on the whole network: Xueba said insurance, welcome to search!