Now insurance plays an increasingly important role in people's daily life. For the rich, insurance can avoid taxes and ensure the safety of wealth; For the poor, insurance can avoid the huge shock of life due to accidents. Since insurance is so important, what are the precautions for buying insurance? "Enjoy your health" critical illness insurance plan covers cancer in situ and 3 kinds of serious illness protection < P > Actually, this problem cannot be "one size fits all" and needs to be treated differently. Because the main risks faced by different people are different, because the types of insurance they need to choose will be different. For example, the risk faced by the elderly is pension risk, while the main risk faced by infants is health risk. Let's take babies and the elderly as examples to briefly introduce the precautions for buying insurance:
Precautions for buying insurance for babies
Parents will not be vague about spending money for their children, but they are afraid of wasting money. Now, many parents face this dilemma when buying insurance for their children. Parents spend a lot of money to buy education reserve insurance for their children, ignoring accident insurance and medical insurance. According to statistics, nearly 3% of my infants and young children receive medical treatment, disability or death due to accidental injuries every year. Because, baby insurance is indispensable for accident insurance. What are the accident insurances with accidental medical treatment? Which one has more protection? Which one is more worth buying? Let's take a look at some good accident insurance recommendations. Top 2 quality accident insurance in 22!
At the same time, infants are more likely to suffer from diseases such as fever, cold, diarrhea and even pneumonia, and the probability of being hospitalized is much higher than that of adults, so it is very necessary to buy baby insurance and choose accidental injury protection and medical insurance. In addition, experts remind parents to be rational when buying insurance for their children, and to buy insurance according to their own economic strength, so as not to affect the existing quality of life because of buying insurance. I don't know how to buy insurance if there are chronic diseases or minor problems such as three highs and hepatitis B? This strategy must be read: 9 categories of 39 kinds of physical abnormalities, disease insurance strategy!
Precautions for the elderly to purchase insurance
As we enter new China, people's living standards are getting higher and higher. In addition, with the development of science and technology, China's medical level is constantly improving, which makes the average life expectancy in China continue to extend, from the original 4 years old to nearly 8 years old now. In addition, the family planning policy implemented in the 198 s has formed a trend of reversal, which has made China's aging level even more like a roller coaster.
The increasing level of aging has brought great challenges to China's partial accumulation pension funds. At this time, China's pension replacement rate is also a rare "nine-day losing streak". In the case that it is impossible to achieve "happy" pension only by relying on basic old-age insurance, everyone has to turn their attention to commercial old-age insurance.
The precautions for the elderly to buy insurance are to buy old-age insurance before it is too late. According to relevant calculations, if the age difference is one year, the annual premium can be reduced by about 2%. In addition, when you are young, you are healthier and the probability of refusing insurance will be lower. Carcinogenic factors are inevitable, and "comprehensive insurance" cancer prevention insurance allows you to cope with unknown risks calmly.