What kind of insurance should individuals buy?

Generally speaking, if individuals buy insurance, it is better to give priority to critical illness insurance, medical insurance, accident insurance and life insurance.

If a friend is still struggling to buy insurance, you can read this article: Do you want to buy insurance? If we don't get out of danger, won't the money be wasted?

Then why buy the above four kinds of insurance? Senior, tell me more specifically.

First of all, the incidence of serious illness is very high, and the cost of treating serious illness is relatively high, which is unbearable for many ordinary workers. Therefore, it is necessary to configure a serious illness insurance for yourself to transfer the risk of economic losses caused by serious illness.

At present, there are countless critical illness insurance products on the market. Friends who don't know what kind of critical illness insurance to buy can look at this list: Top Ten Hot Critical Illness Insurance Stocks Worth Buying!

Secondly, people who eat whole grains will always get sick, and medical insurance can just reimburse the treatment expenses that meet the contract requirements due to illness, and it covers a wide range of diseases, not limited to major diseases, which can increase more complete disease protection for the insured.

In addition, in life, unexpected risks are everywhere, so accident insurance is also essential. After taking out accident insurance, even if the insured has an accidental injury accident, the insurance company will bear the insurance liability as long as it meets the contract requirements.

Finally, life insurance mainly covers death/total disability. If everyone is in the position of economic pillar, it needs to be configured, so that even if unfortunate circumstances occur, there is a chance to get an insurance money to temporarily maintain the normal operation of family daily life.

Regarding the differences between these four types of insurance, Senior Sister arranged them in this article. Friends who want to know can poke: What is the difference between critical illness insurance, medical insurance, accident insurance and life insurance? Will there be conflicts when making claims?

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