1, critical illness insurance
Critical illness insurance is a major disease stipulated in the guarantee contract. Once you get sick and meet the claim conditions, you can pay the insurance money in one lump sum. This money is at your disposal, which can be used to pay for medical expenses, later rehabilitation expenses and make up for the loss of income.
Generally, a 30-year-old person can buy a very good product with a guarantee of 500,000 yuan until he is 70 years old, and he will pay 3000-5000 yuan a year. I put these cost-effective products into this article, and I am interested in the latest list of critical illness insurance: which ones are worth buying compared with the whole network 186 critical illness?
2. Life insurance
Life insurance is based on human life. During the protection period, the insurance company will pay a sum of money (except the exemption clause) whether the insured dies due to illness or accident.
The role of life insurance is to continue family responsibilities. Generally, a 30-year-old person buys term life insurance with a 30-year coverage of 654.38+00,000 yuan, and pays for it for 30 years, which costs more than 1000 yuan a year.
In short, from the perspective of safety, I suggest you buy it separately. If you buy separately, you can combine them according to your actual needs, so that you can give full play to the role of insurance.
If you don't know how to buy insurance, we will tailor the insurance plan from 1 to 1 for you, adhering to a professional, objective and neutral attitude, and never let you spend more money!