What kind of family insurance is good?

Family insurance is best to choose accident insurance, critical illness insurance, life insurance and medical insurance.

For the average family, the insurance that can be purchased mainly includes the following types:

1) accident insurance: the insurance threshold is low, the premium is cheap, and it provides accidental death/total disability protection, which is suitable for most people to buy; The first function of accident insurance is to protect the risk of accidental injury and obtain higher social value or disability compensation in case of death or disability; The second is accident medical insurance. In case of bump or fracture, medical expenses need to be reimbursed or can be reimbursed through accident insurance.

2) Critical illness insurance: major diseases can be insured, and claims can be obtained after the major diseases agreed in the contract are diagnosed. Strict underwriting, high health requirements, suitable for healthy people;

3) Life insurance: it protects the deceased, takes the death of the insured as the payment condition, and compensates for family losses, which is suitable for buying family economic pillars;

4) Medical insurance: As a supplement to social security, it can reimburse medical expenses and provide necessary protection for individuals. 1200

5) Social security (universal health insurance): Medical insurance covers our diseases. Not only can we reimburse the outpatient expenses of going to the hospital, but we can also reimburse a certain proportion of hospitalization expenses and medical expenses if we are hospitalized. It is the most useful and effective insurance in social security, and we usually have the most contact. Moreover, it has many incomparable advantages of commercial medical insurance: medical insurance pays in the current month and takes effect in the next month; You can also be insured and reimbursed when you are sick; As long as you pay medical insurance for a certain period of time, you can get lifelong protection. But in fact, the proportion of medical insurance reimbursement is very limited, with a capping line, a deductible line and a self-funded part in the middle.

Old people need insurance:

1) accident insurance: the physical function of the elderly begins to deteriorate, and their eyesight, hearing and even reaction speed will be slowed down to varying degrees, and various accidents may occur if they are not careful.

2) Medical insurance/anti-cancer medical insurance: It can provide the greatest disease risk protection for elderly parents who are in poor health with less premium.

3) Critical illness insurance/cancer prevention insurance: Generally, people over the age of 55 are insured with critical illness insurance, which is prone to upside-down premium, and it is even more difficult to buy suitable critical illness insurance, because the elderly will have some minor health problems.