There is no standard answer to the question of what insurance is the best and most cost-effective. Because people of different ages have different insurance needs, they need to choose according to their actual situation, rather than which insurance to buy is cheap.

Next, I look at what insurance to buy from the three dimensions of adults, children and the elderly:

1, adult

Under normal circumstances, each of us will have the risk of serious illness, accident and death, and these risks cannot be completely eliminated. Insurance is also bought to cope with these risks.

As housekeepers, once adults encounter risks, the whole family will fall into crisis.

Therefore, as an adult, whether you are 20, 30 or 40 years old, we recommend these four types of insurance: critical illness insurance, medical insurance, accident insurance and term life insurance; Friends who don't know how to buy these four kinds of insurance, I suggest you take a look at this strategy: how to configure the four major types of insurance? Remember these points and easily buy the most practical and cost-effective insurance!

2. Children

Children are not like adults. On the one hand, children have poor immunity and are prone to colds and fever. Some minor illnesses may develop into serious illnesses in children.

On the other hand, children lack the awareness of self-protection and self-prevention and cannot perceive all kinds of dangers. Accidents such as falling from a height, sports sprains and animal bites often occur.

Therefore, in the case of purchasing medical insurance, it is suggested to purchase insurance for your baby in the following order according to your own budget: accident insurance > critical illness insurance > medical insurance > financial insurance.

3. The elderly

Once people get old, all kinds of problems will follow, especially for the elderly, their physical function will decline with age, and the risk of accidental injuries and diseases will increase.

Therefore, it is more comprehensive to buy insurance for the elderly, giving priority to medical insurance and accident insurance. If there is still a budget, it is more comprehensive to buy an anti-cancer insurance.

In addition, it will be expensive for the elderly to buy a serious illness. If the budget is sufficient, you can buy some; If the budget is tight, you can not buy or consider cancer insurance.

Pay attention to insurance, 1 will consult for free 1, and we will answer any questions about insurance with professional knowledge, objectivity, neutrality and enthusiasm, so that it is no longer difficult to buy insurance!