[These four kinds of good insurance, the insurance company will not take the initiative to recommend you] "If you can pay attention to you early, I will not listen to the salesman's recommendation to buy a bunch of useless insurance, high premiums,

[These four good insurances, insurance companies will not take the initiative to recommend to you]

"If I could pay attention to you earlier, I wouldn't have listened to the salesman's recommendation to buy a bunch of useless insurance, high premiums, poor protection, surrender is not cost-effective, dilemma"

I often receive such messages, and I am very grateful to my family for their trust and professional recognition of Dabai, and I hope to do something to help more people avoid the insurance pit

Next, I will combine so many years of insurance experience and risk allocation model to reveal to you 4 types of insurance that can really save lives

Today's sharing is all dry goods! It is recommended that everyone hurry up and collect it

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Adult Insurance Risk Model

Insurance is bought to transfer risk

So before buying insurance, first figure out the risks you may face

To sum up, it is nothing more than major illness and minor illness, accidental casualties

So there are 4 kinds of insurance that can really save lives

Critical Illness Insurance (Hedging the Risk of Serious Illness)

Million Medical Insurance (Hedging Medical Risk)

Accident insurance (hedging against accidental risk)

Term life insurance (hedging the risk of death)

Critical illness insurance

Suffering from serious diseases, such as AI, stroke, etc., meet the conditions for claims, and pay a lump sum at a time

It is used for treatment, rehabilitation, subsidized living, debt repayment, etc., and can be used freely

Selection points:

Sum insured: To match enough, it is recommended to start at 30w, preferably covering 3-5 years of family expenditure + rehabilitation, nursing fees

Coverage period: It is best to guarantee it for life, and the budget is insufficient until the age of 70

Product Recommendation: Adults (Darwin No. 6, Super Mary No. 6, etc.), Children (Merchants Ren and Qingyunwei No. 1, Bumblebee No. 6, Dumbo, etc.)

Millions of medical insurance

To make up for the lack of social security, more than 1w deductible can basically be reimbursed 100%, and there is no restriction on the use of drugs in the medical insurance list

Selection points: choose a comprehensive basic guarantee; good renewal conditions, renewal does not need to be reviewed or guaranteed to renew for a long time; including medical green pass, proton heavy ion service, medical advance payment, outsourcing target y, etc

Product Recommendation: Pacific e-care - medical care, exclusive e-life

Accident insurance

Cover large and small accidents, accidental injuries to pay medical expenses, accidental disability or death to pay a sum of money

Select the main points: one year on the line, do not buy long-term returns; focus on accidental medical protection, choose low deductibles, high reimbursement ratio, it is best not to restrict social security drugs

Product Recommendation: Adult (Little Bee 2.0 Beyond Edition), Child (Ping An Children's Comprehensive Accident Insurance 2021 Edition)

Term life insurance

Death is compensation, unfortunate death in the period of the heaviest family responsibilities, can leave a sum of money for the family to survive the difficulties

Selection points: The sum insured is at least 50w, it is recommended to be 5-10 times the annual income of the family; the focus is on less exemption, loose health advice, and cheaper prices

Product Recommendation: Barley 2022 Term Life Insurance, Barley Sweet Home 2022, etc

Specific product collocation, you need to choose from a comprehensive personal situation; if you don't know how to choose, feel free to pick me up