How much does it cost to buy 200 thousand critical illness insurance with Shanghai social security card?

The insured amount is the insurance premium paid by the insured after the agreed accident. Faced with various insurance products, many friends don't know how much insurance coverage is appropriate. I suggest you read the following detailed information about insurance coverage:

The insured amount is related to the age and gender of the insured, and the insured amount of different products is also different. Before making a decision, you may want to know the insurance amount in detail:

The warranty should be rated in a suitable range, and you can't buy too high or too low.

1. Overinsured amount: If the insured amount is high, the premium will be very expensive. If the premium is too high, it will increase the budget and affect the normal expenses of families, so it is unnecessary.

2. The insurance coverage is too low: you can't resist the damage caused by the risk. Generally speaking, a serious illness costs 300 thousand. If you only buy 65,438+10,000 critical illness insurance, the problem will not be solved at all.

When it comes to insurance coverage, critical illness insurance and accident insurance are the most frequently asked types of insurance. What determines the coverage of the two types of insurance? Let me analyze it briefly:

1. Critical illness insurance: the average cost of critical illness treatment is 300,000. It is suggested that the coverage of critical illness insurance should be at least 300,000 yuan. If you live in a big city, the insurance coverage should be raised to 500 thousand yuan accordingly, because the cost of living will be higher.

If it is the "pillar" of the family, it will increase the income loss for three to five years, so as to reduce the pressure of family economic life during rehabilitation.

The following is the cost-effective critical illness insurance that I stayed up late to sort out. You can refer to: the top ten insurance companies "worth buying" hot critical illness insurance inventory!

2. Accident insurance: If the working environment is stable and the probability of accidents is relatively small, it is enough to buy 300,000 yuan; If there is a high probability of risk in the working environment, it is best to set the quota at more than 500 thousand, and it is better to have accident insurance for public transport.

By learning the key knowledge of insurance protection, you can buy insurance better. If you want to buy insurance, you need to master not only the knowledge points mentioned above, but also these important knowledge points. See: