For couples over the age of 30, it is an important age to configure insurance. After all, couples over the age of 30 are the backbone of a family and have to face the situation where there are old and young.
In order to allow everyone to get enough protection and avoid spending money indiscriminately, I tell you in detail what insurance should be purchased for both husband and wife who are over 30 years old. I hope it can be helpful to everyone.
critical illness insurance
As the core members of the family, couples over the age of 30 need each to configure a critical illness insurance. The role of critical illness insurance is to give a one-time financial compensation after the insured is out of danger to help the family tide over the difficulties.
There are two things to keep in mind when buying critical illness insurance:
1. The insurance amount must be high enough, and the insurance amount for each husband and wife should basically be between 300,000 and 500,000;
2. Try to choose products that can be guaranteed for life. If economic conditions do not permit, you can buy term life insurance;
3. Critical illness insurance should be purchased separately, and you can buy the consumer type. Don’t be fooled into buying a bundled or rebate type. The premium is much more expensive, but the protection has not been significantly improved.
Here is an example to illustrate how big the premium gap between consumer and return premiums is.
Take a man in his 30s as an example. If he buys a rebate-type critical illness insurance with an insured amount of 500,000 yuan, he needs to pay about 15,000 yuan a year, while the consumer-type insurance only costs a few thousand yuan.
million medical insurance
For couples over the age of 30, it is also necessary to configure one million medical insurance for each person. Especially for people with social security, it is very cost-effective to spend a few hundred yuan a year to get millions of yuan in protection.
The main function of the million-dollar medical insurance is to reimburse medical expenses that cannot be covered by social insurance, that is, to supplement social insurance.
There are three things you need to pay attention to when buying a million-dollar medical insurance:
1. The lower the deductible of the product, the better, preferably 0 deductible;
2. The looser the renewal conditions, the better, and try to choose a guarantee renewal of more than 15 years;
3. The wider the scope of protection, the better, including out-of-hospital targeted drugs and purchased drugs.
accident insurance
Each of the couple should prepare an accident insurance to deal with medical treatment, disability, and death caused by unexpected circumstances. The price of accident insurance is generally very low, and you can get a high amount of insurance for about 100 yuan per year. In case of an accident, the family can get a relatively large amount of compensation to ensure that the child can complete their studies and the elderly can rely on it.
There are three things to keep in mind when buying accident insurance:
1. The total insurance amount must be high, 1-2 million is always required, and the deductible for accidental medical treatment should be as low as possible;
2. Just buy it once a year, don’t buy long-term return type, the price is not high;
3. Office workers should buy products that include public transportation extra compensation and sudden death protection responsibilities.
life insurance
From the perspective of family considerations, each husband and wife should configure a life insurance. Life insurance is an insurance product that provides one-time economic compensation to the family after the death of the insured. The importance of life insurance is obvious for couples who have seniors and young children, and are also burdened with mortgages and car loans.
There are two things to keep in mind when buying life insurance:
1. The amount of insurance should not be too low, at least it must be able to cover family debts;
2. The fewer exemption clauses, the better, and the looser the health notification requirements, the better.