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Types of Insurance

So Many Types of Insurance? How Do You Choose?

Different stages of life come with different risks, and insurance helps reduce financial losses in case of accidents or illnesses. Below, we’ll explore three common types of insurance, guiding you through the coverage order from student life to professional life.

✅ 1. Student Insurance

  • Target Audience: Full-time students (high school, college, master's, and doctoral students)
  • Coverage: Accidents and medical expenses both on and off campus
  • Coverage Details: Accidents, hospitalization costs, critical illnesses, etc., usually paid by the school

✅ 2. Accident Insurance

  • Target Audience: Everyone, regardless of identity
  • Coverage: Physical injuries caused by various accidents
  • Coverage Details: Medical, hospitalization, death or disability compensation, customizable options available

✅ 3. Labor Insurance

  • Target Audience: Employed workers with a labor contract
  • Coverage: Occupational injuries, unemployment, retirement, and other social insurance benefits
  • Coverage Details: Work-related injuries, disability allowances, unemployment benefits, retirement pensions, maternity subsidies, etc.
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