“Accident insurance and health insurance” should be given top priority
The “421” family structure has become the current mainstream family structure. This kind of family security structure has very poor ability to resist risks. Once the couple encounters a risk, the family economy will immediately be in crisis. The lives of the elderly and children cannot be guaranteed, and the insurance is likely to be suspended.
When purchasing insurance, you should prioritize what insurance products to purchase. Risks in life mainly include accidents, illness and old age. Among them, the most difficult to predict and control are accidents and diseases, so you must first consider insurance that can protect these two aspects.
Unlike children and the elderly, young people often travel outside for their careers and are more likely to have accidents. Once they encounter health problems, their financial resources will be interrupted, so they must first buy themselves accident insurance and health insurance.Otherwise, even if you purchase investment insurance, you will find out when an accident or illness strikes that either the insurance you bought “doesn’t work” or the amount insured is too small and insufficient for emergencies, which will eventually plunge the family into an economic crisis.Compared with social medical insurance, commercial health insurance has a wider coverage, covers many diseases, and offers a full range of compensation types. It has become one of the indispensable security systems outside the social security system.
