is affected by the new regulations, all Internet insurance products will be fully removed from the shelves on December 31. It is expected that after this batch of Internet insurance is removed from the shelves, the number of online products will decrease, become more expensive, and the cost-effectiveness will decrease next year.
for the last 5 days, it is recommended to consider the configuration like this:
Four major insurances for adults - more than 3,000 can be done
♥️ Critical Illness Insurance: Hetai Super Mary No. 5, 110 critical illness insurance, 25 moderate illness compensation, 60% of 25 moderate illness compensation can be compensated twice, 30% of 50 mild illness compensation can be compensated 4 times, and the first generation critical illness recovery insurance compensation is 60% of the insurance, with obvious cost-effectiveness advantages. For girls in 1996, it only costs more than 2,500 yuan to buy an insurance amount of 300,000 yuan.
Term life insurance: Sunshine Optimus Prime 6 determines life, can be compensated for accidental death or illness, and there is an additional 50% insurance premium for sudden death. If you have mortgages or liabilities, you must allocate a fixed life, be responsible to your family and prevent the family from getting into trouble. For girls in 1996, the minimum purchase price is only more than 200 yuan.
Accident Insurance: Recommend Xiaomi comprehensive accident, only 169 yuan is required to have a coverage of 500,000 yuan to prevent accidental deaths, and there is also 20,000 yuan for accidental medical treatment. Accident insurance is cheap, health notifications are loose, and it is a short-term insurance with strong flexibility.
Medical insurance: Recommend good medical insurance for long-term medical care, you can buy it on Alipay. Medical insurance is very practical. If you have to be hospitalized for something and cannot meet the conditions for serious illness, medical insurance will come in handy. After social security reimbursement, the part that exceeds 10,000 yuan of self-paid expenses can be fully reimbursed, and your medical expenses can be kept within 10,000 yuan to prevent you from falling back into poverty due to illness.
The three major baby insurances - within 900 can be done
❤️ Critical Illness Insurance: Bumblebee No. 5 Children's Critical Illness Insurance, the maximum coverage of 110 critical illnesses is covered by 150% (first 10 years), 30 moderate illnesses are compensated 60% for 3 times, 43 mild illnesses are compensated 30% for 3 times, 20 children's specific diseases are compensated 2 times, 10 rare children's diseases are compensated 3 times, the coverage is very comprehensive, and the compensation ratio is extremely high. Children with serious illness can only buy insurance for 30 years, and the price is very low. A 1-year-old baby invests 500,000 yuan in insured, only more than 500 yuan is required.
Accident Insurance: Big Bodyguard II Children's Accident Insurance, mainly due to accidental medical insurance, with an insurance coverage of 100,000 yuan and a death penalty of 200,000 yuan. The price is very cheap, only 72 yuan.
Medical Insurance: Like adults, you can just buy good medical insurance for long-term medical care.
⭐️ Many parents preferentially buy it for their babies, but this order is wrong. Adults are the main force in family income. In the event of a disease or accident risk, it not only requires medical expenses, but also loses the source of income. Therefore, insurance allocation should be given priority to adults (main income force), and then children and the elderly should be considered. In addition, you should also configure it as soon as possible. The older you are, the physical condition may not meet the health notification requirements and may not be able to buy it. Even if you can buy it, the price will be a little higher.
Finally, I would like to remind you that this batch of cost-effective Internet insurance products will be removed from the shelves in 5 days. If you want to buy it, you will not be able to buy it. It is recommended that everyone prepare a good family security plan and protect themselves and their families.
