What kind of insurance is the best deal?

It is more cost-effective to buy social security, million medical insurance, small medical insurance, accident insurance, consumer critical illness insurance, term life insurance and Huimin insurance, as follows:

1. Social Security: Employers can purchase social security for urban workers who are working, and individuals can voluntarily participate in social security for urban and rural residents or flexible employment. Social security is a national welfare guarantee, with low premium and wide coverage, which is still very cost-effective;

2. Millions of medical insurance: the premium is cheap and the insured amount is high, but the deductible is also high, but if it is used to deal with the risk of serious illness, the cost performance is still very high;

3. Small medical insurance: the premium is cheap, the deductible is low, but the insured amount is also low, but it is still very good to deal with the risk of minor illnesses;

4. Accident insurance: it can mainly cover accidental death or disability, accidental medical treatment, etc. And the premium is cheap, which can effectively cope with sudden risks;

5. Consumer critical illness insurance: If the premium budget is insufficient, you can consider purchasing consumer critical illness insurance. The premium is cheap and the disease protection is heavy, but the disadvantage is that if there is no insurance, the protection will be invalid when it expires, and the insurance company will not refund any fees;

6. Term life insurance: Compared with whole life insurance, the premium is cheaper, mainly to cover death or total disability, and the insurance amount is relatively high, which is suitable for the economic pillar of ordinary families, but the disadvantage is that if there is no danger, the protection will expire;

7. Huimin Insurance: The premium is cheap and can be used as a supplementary insurance for medical insurance. Except for health, age, household registration and occupation, most of them can be bought as long as they have local basic medical insurance.