About 30 years old, how to configure the family insurance for a family of three?

Middle-aged people after the age of 30, old and young, have mortgages and car loans in the middle, bearing the burden of the family. Once the body collapses, the family's financial resources will be gone, and the stable life of the whole family will become a bubble. Therefore, we should first buy insurance for the family income pillar. If both husband and wife are the main sources of family income, they should buy them.

For the family income pillar, life insurance, accident insurance, critical illness insurance and medical insurance should be complete.

Accident insurance is very cheap, a few hundred dollars a year, you can get enough protection to deal with sudden risks.

If one of the husband and wife is a full-time mother or a full-time father, life insurance can be omitted and the rest can be guaranteed.

For children, before buying commercial insurance, they must buy social security for children. Social security for children is a good welfare for the country. You only need to pay two or three hundred yuan a year (different cities are different, please consult the local social security bureau) to give your children some basic protection.

In terms of commercial insurance, children have strong curiosity, poor self-protection awareness and high risk of accidents, so accident insurance must be available. Xue Ping insurance is actually a group accident insurance.

If the child is unfortunately seriously ill, one is the cost of treatment, and the other is that at least one parent needs full-time care. Therefore, it is suggested that children's critical illness insurance and medical insurance should be guaranteed. Critical illness insurance should supplement the income loss of one parent, and medical insurance mainly deals with the cost of treatment.

Life insurance, at least 3 to 5 years' income. Give families a buffer period of three to five years to regain their sources of income.

Critical illness insurance, at least 300 thousand to 500 thousand. The cost of treatment for major diseases is generally1-200,000 yuan. Taking into account the lost time, subsequent recovery costs, nutrition costs, etc. 300,000-500,000 won't drag down the family.

Medical insurance, million medical insurance has been very popular in the market in the past two years. Just pay attention to the deductible and the proportion of internal and external reimbursement of social security.

Accident insurance, family support 300,000-500,000, children and the elderly 65,438+0-200,000. Accident insurance is very cheap, from three to five hundred a year, it will reach the quota of 500,000. Donkey kong accident insurance of Shanghai Life Insurance is the most cost-effective, with an accidental death coverage of 500,000 yuan, only 125 yuan a year. In addition, accident insurance usually has a maximum limit for children, and10,200,000 has been capped.