Can I buy insurance if I am in poor health? Should I buy it? Do you have any recommendations?

Insurance is usually used to transfer the risk of economic loss, but many friends don't know whether to buy insurance. The following senior sister will tell you about buying insurance.

Anxious friends can collect this insurance strategy first:

How to buy insurance, teach you to avoid these pits of insurance.

First, do you want to buy insurance?

It is right to buy insurance products, so you must choose the right insurance products. For friends who want to insure, critical illness insurance, medical insurance, accident insurance, term life insurance and other products are still very worth buying. Let's talk about it together

1, critical illness insurance+medical insurance (transferring disease risk)

According to data analysis, the average treatment cost of major diseases is generally above 300,000-700,000 yuan.

If you are unfortunately suffering from a serious illness, how can ordinary families bear such treatment costs?

Medical expenses are only a part of the huge expenses, and the subsequent recuperation expenses are also a huge expense, so families will bear great economic pressure.

If two types of insurance, critical illness insurance and medical insurance, have been started, medical insurance can reimburse the medical expenses incurred due to illness that meet the requirements of the contract, and the subsequent recuperation expenses and income losses can be made up by the insurance money paid by critical illness insurance.

There are still many critical illness insurance products on the market, and you may encounter certain difficulties when choosing them. Don't worry, senior sister has compiled a list for you, which is full of critical illness insurance with high cost performance:

Ten cheap and excellent critical illness insurance inventory! 》

2. Accident insurance (accident risk transfer)

In fact, we often have many accidents in our lives, such as drowning and plane crash. Although it is unlikely that this will happen, it will not only bring mental trauma to our family, but also bring economic pressure.

The price of accident insurance is relatively close to the people, and the price of dozens or hundreds a year can incite dozens or even millions of insurance coverage, with excellent cost performance. Therefore, it is necessary to take out an accident insurance.

3. Term life insurance (transferring the risk of premature death)

For the economic pillar of the family, the responsibility is great. If you die young, it will bring great impact to the whole family.

Car loans and mortgages are still not paid, and economic income has been greatly reduced. Maybe the daily life of the whole family can't be maintained.

Therefore, choosing a term life insurance is the best way to transfer the risk of premature death. If you die unfortunately, you can at least get a death bonus for your family, which is a continuation of love and responsibility.

Second, what are the precautions for buying insurance?

1. Guarantee first, then finance.

Many small partners choose to start various financial insurance, but there is no guaranteed insurance. The protection of financial insurance is weak, and there is no way to bring enough protection to consumers when risks come. In this way, suppose everyone wants to buy financial insurance, with protection as the main factor. Give yourself full protection.

2. It is not suitable for children and the elderly to buy life insurance.

As mentioned above, life insurance has the function of transferring the economic risks brought by premature death. This kind of insurance is more suitable for the family economic pillar, while the elderly and children do not have the ability to bear the family economic responsibility. Therefore, it is recommended not to buy life insurance for them. If you plan to buy insurance for the elderly and children at home, you'd better take out critical illness insurance, medical insurance and accident insurance.

Third, the summary of the senior sister

In fact, different insurance products have different functions, but they can all reduce the economic losses caused by these risks.

People will always face all kinds of risks in their life, so it is very important to buy insurance, not only to protect themselves, but also to be responsible for their families.

Finally, here are three options. If you don't know how to configure insurance for the whole family, please refer to:

"3 plans, complete family insurance"

Write it at the end

I am an expert in insurance, focusing on objective, professional and neutral insurance evaluation;

If the above content has not solved your problem, you can also come to the official account of WeChat to learn to bully and say that insurance consulting me;

I give you the most professional advice based on many years of experience in configuring insurance for 10W+ families.

WeChat official account: Xueba said that insurance costs less, buy the right insurance!