Insurance at different stages

Insurance at different stages:

【小孩】→责任最轻 Kids / teenages => Least responsibilities

不需要花过多的保费，只需要投保基本的「医疗险」「癌症/重疾险」「意外/残废险」。保费不宜超过2万块。

Do not require much insurance fees. Kids / teenages require basic medical card inclusive of critical illnesses, as well as accident or total permanent disabilities.

【老年人】→责任次轻 Golden age senior citizens => Reasonable responsibilities

这个年纪已经不是那麽适合保险了，缴出去的保费跟能得到的保障比例非常低，建议多花点时间照顾自己。不过「意外险」会建议投保。

Not much insurance needed at this age. The return from insurance would be low due to the age. Senior citizens are advised to take good care of own self. It is only personal accident insurance recommended.

【壮年人】→责任最重 Middle age men / women => Biggest and heaviest responsibilities

因为上有父母下有子女，是家裡的经济来源，它们是最需要保险的一群人。需要较高额度的「定期寿险」「意外/残废险」「癌症/重疾险」，「医疗险」也得考量到长期住院，或高额自费的状况。

This group of people hold the biggest responsibilities in the family, including support to parents as well as children. The important policies needed would be life insurance, personal accident / total permanent disabilities, critical illnesses, and medical card insurance.