As insurance becomes more and more in-depth in our lives, it also occupies an increasingly important position. However, many friends' understanding of insurance comes from fragmented knowledge, and they have not systematically understood it, so they often buy inappropriate products and cannot well protect their needs.

So, how to buy insurance more cost-effectively?

1. Choose the right type of insurance

We can consider it according to the risks faced by different age groups and different family responsibilities.

For the family's economic pillar, you need to pay attention to your own disease risk, accident risk and death risk. For these risks, 危疾保障you should configure accident insurance, million medical insurance, and critical illness insurance. If the budget is still sufficient, you can buy a term life insurance.

For children, the main risks are disease risks and accident risks. Therefore, accident insurance and million medical insurance are more important. If you want to protect minor illnesses such as colds and fevers, then small medical insurance can also be considered.

For the elderly, the main risks are also disease risks and accident risks, so accident insurance and million medical insurance are more important. However, 危疾保險due to old age, it is very likely that the premium will be inverted when buying critical illness insurance, so critical illness insurance is not considered.

If you really want to protect against cancer risks, you can choose the lower alternatives: cancer prevention insurance and cancer prevention medical insurance.

2. Pay attention to adequate protection

For long-term insurance such as critical illness insurance and term life insurance, if you want to pay less premiums every year, it is best to take out insurance when you are young. In this way, your physical health is better, and you can also choose a longer payment period, which can reduce some of the pressure caused by premiums. In addition, try not to add too much protection or buy additional insurance. Buying a good basic protection is actually enough to deal with the risks that most diseases may bring. Try to buy enough insurance coverage, and don't sacrifice the insurance coverage because of too many additional protections, which will go in the opposite direction.

The same is true for million medical insurance. It is best to take out insurance when you are young. Because the health notice of million medical insurance is very strict, it is better to take out insurance when you are in good physical condition to avoid additional fees or exclusions. In addition, try to choose products that can guarantee renewal, and the renewal time must be long enough. This is the only way to ensure that we have long-term medical protection.

Accident insurance is not so strict, and health declaration is also very loose. What we need to pay attention to is that the insurance coverage should be sufficient, and targeted protection should also be purchased. For example, if you buy it for children, there should be protection for burns, scalds, accidental bumps, etc. If you buy it for the elderly, there should be protection for fractures, ambulance expenses reimbursement, etc.

3. The premium should be controlled within a reasonable range

The level of premium is affected by factors such as our age, physical health, selected insurance coverage, coverage content, and payment period. For insurance such as critical illness insurance, generally speaking, under similar conditions, the younger the insured, the cheaper the premium. After all, with the increase of age, the insured's physical function will decline relatively, and the insurance company will have to bear greater risks, and the premium will naturally be more expensive. Therefore, the sooner you buy it, the better.

In short, when purchasing insurance, we need to choose the appropriate insurance type, purchase channel and premium control method according to our own situation and needs, and finally achieve rational insurance. In this way, we can better protect the economic security of ourselves and our families, and at the same time ensure the cost-effectiveness of insurance purchases.

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