It is important to say first that the most important thing to buy insurance is to look at the products, and never choose from a certain company. Nowadays, young people are under increasing pressure, and they are beginning to think about the long term, and their awareness of insurance is constantly improving. But at this age, their discrimination ability is not high, and insurance information is everywhere. It is not easy to choose the insurance that suits you. I have specially compiled a detailed strategy for buying insurance for 18 years old.
Young people mainly face these problems:
(1) Some people haven't worked yet, others have just left the society, saving less and spending more. At this time, the economic foundation is relatively weak.
(2) Life is irregular and faces many problems. The pressure from all sides is superimposed, and there is no small probability of suffering from major diseases such as vascular disease, hypertension, stroke, cancer and acute myocardial infarction.
It can be seen that young people need affordable insurance that can fully protect diseases, and accident insurance+critical illness insurance+million medical insurance can be configured.
1. critical illness insurance
According to WHO data, 75% of people in China are in sub-health, and the probability of young people suffering from some major diseases is higher than that of the elderly, and major diseases are gradually occurring in this age group of young people. Critical illness insurance covers major diseases and moderate/mild diseases. Most young people can't afford to treat serious diseases. A critical illness insurance is very useful. Look at this picture about the price:
According to the analysis, with the increase of age, the price of critical illness insurance is getting higher and higher. As you get older, once you get sick, the insurance company won't allow you to buy it. The sooner you buy critical illness insurance, the better.
I compiled a list: designed for 18 years old! Top ten critical illness insurance stocks worth buying in 2020! 》
2. Accident insurance
Accident insurance only needs about 100 yuan, which can protect hundreds of thousands of people, and young people can buy it with a small budget. The most basic protection can be an accident insurance, especially for young people, with sudden death protection.
3. Millions of medical insurance
Millions of medical insurance is mainly for reimbursement of illness and hospitalization. Many excellent medical insurance have their own green channels for medical treatment, which can provide proton heavy ion therapy. You can reimburse millions of medical insurance at most, only two or three hundred dollars a year, and the budget is not high.
Good medical insurance is still optional, and the list is presented for reference: "Designed for 18 years old! The 10 million medical insurance stocks worth buying in 2020! 》
Hope to adopt!
The same number on the whole network: Xueba said insurance, welcome to search!
Source: Xueba said that insurance official website