Hello! Risks are everywhere, and minor accidents may happen at any time. Although they will not pose a threat to our lives, the various medical expenses they bring are also very annoying. If you buy critical illness insurance and medical insurance, once an accident happens, you can help reduce the burden through the insurance company and get better medical conditions so as not to make your family fall into financial difficulties. 1. Strengthen security. 2. Adopt prudent financial management strategy. 3. Make corresponding adjustments regularly to spread family financial risks. You should buy medical insurance with fixed payment, mainly including critical illness insurance and hospitalization allowance insurance. At the same time, both parties should buy life insurance, so that once one party encounters misfortune, the other party can have certain protection, at least financially. Generally, it is to buy insurance for one party with income to protect the life of the other party. Choose term insurance, accident insurance and health insurance. The payment is low, but the insurance amount is better than the purchase amount and enough for the living expenses of family members for 5-8 years to ensure the stable and healthy development of temporary homes after the crisis. Therefore, in the choice of investment channels, we should pay attention to the choice of low risk and stable income. For example, life-long critical illness insurance with dividend function can provide comprehensive protection, and at the same time, it can receive dividends every year according to the actual operation of insurance companies, increase the amount of insurance coverage and improve insurance coverage. For dividend insurance, it takes time to accumulate, and the longer the time, the more dividends will be paid. If both husband and wife are insured for the first time, they can consider buying a term life insurance master contract with higher insurance coverage, and attach an injury insurance contract, critical illness insurance contract, medical insurance contract or unemployment insurance to ensure income interruption. If the financial capacity is insufficient, the husband or wife can buy the main contract, and the other party can buy a supplementary contract that can be attached to the wife or husband, thus saving insurance costs. If the budget is sufficient, you can add regular old-age insurance or life-long principal repayment insurance with a large proportion of savings function, and cooperate with other investment and financial management tools to make compulsory savings and steady investment as funds for buying a house and educating your future children or going abroad for further study. Capital preservation endowment insurance can meet this demand. Reference Scheme: China Taiping's Kangyi Jinsheng Insurance Plan is a life-long insurance plan for accidents, 35 kinds of serious diseases and health protection. At the same time, the coverage is also increasing year by year to offset the pressure brought by the rising medical expenses. The guarantee period is for life. After the payment period is over 20 years, part or all of the annuity can be converted according to the customer's requirements as a supplement to the pension. The payment period and annual premium can be tailored according to customers' own needs.