I suggest buying 654.38+00,000 for the three risks, because the price difference between 500,000 and 654.38+00,000 is not big, which is only a few hundred yuan, and the time difference between claims is even more. I believe you saw the news some time ago and hit the luxury car Rolls-Royce, with a loss of about 654.38+0 million. Do you think you are missing hundreds of dollars? There is no shortage of people who can afford a car, but in case of any accident, it will be hundreds of thousands. So 1 10,000 is more appropriate.

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.