After women have a higher income, it is best to buy a special critical illness insurance for women, and the guarantee period is better to be longer. At present, many insurance companies have developed special products for women in this age group, such as China Life Insurance's disease insurance A and B for caring for women.
After the age of 30, most women care more about economic security than physical care. At this time, white-collar women with fairly basic economy should add some insurance products with dual functions of protection and investment in a timely manner. At present, in the insurance market, there are some insurance products specially designed for major diseases that may occur in middle-aged and elderly women. Some products have birthday dividends, and some dividend-paying insurance products are also very suitable for women's needs. The insured may wish to purchase these products together.
Of course, the above three intervals are only a simple division, which will change according to the actual situation of the insured. Regardless of health insurance or old-age insurance, the younger the insurance age, the lower the premium. Therefore, you should take out insurance in time as soon as possible according to your actual risk characteristics and economic ability. Suggestion: Women in this age group are still in school, and they are immature in age and body. The probability of women suffering from serious illness is small, while the proportion of education funds is relatively large. Insurance financial planners suggest that basic medical insurance and education insurance should be considered at this stage, and critical illness insurance should be added if conditions permit.
Suggestion: The education fund suggests choosing dividend insurance or universal insurance.
Comments: The amount of insurance involved in the education fund is relatively high, and women in this age group have to rely on their families economically. If the family conditions are good, you can apply for insurance. If it is average, it is recommended to use it in the most basic medical security. Suggestion: Women in this age group have just matured, so as to ensure their advancement. However, it is recommended to choose pure consumer insurance, including major illness and accident insurance. If the funds can be turned around, see what you lack, and add insurance according to the situation to improve your protection plan. Generally speaking, however, the income of women who have just joined the work in this age group is small and unstable, and the "standard" mentioned above should be enough. Most notably, this pure guarantee product is cheaper.
Recommended: Flower God Health Insurance.
Comments: It is a pure consumer product. /kloc-people aged 0/8-55 cannot change to other products within the validity period of the contract without exemption. There is no payment due, so it is the most common product. Insurance liability is responsible for 8 major diseases, and the observation period is 90 days. Provide insurance benefits such as female cancer, major female diseases, female diseases and medical treatment, accidental plastic surgery and death. The former 26- 186 yuan can have a guarantee of 10000 yuan. Suggestion: The life of women in this age group tends to be stable, most of them are married, and the incidence of major gynecological diseases has greatly increased. Therefore, it is necessary to buy a special critical illness insurance for women, but it is suggested that the guarantee period be longer. In addition, at this stage, women began to go to beauty salons and consider increasing the number of babies. It is suggested to increase plastic accident insurance and maternity insurance.
Recommendation: Care for women's disease insurance and additional women's reproductive health insurance.
Comments: The products mentioned in the previous paragraph expand the age range to 16-60 years old, and the major diseases increase to 18. In addition to the original compensation, medical insurance for physical disability and hip fracture has been added. The additional insurance mother and son mentioned in the latter paragraph are under insurance, belonging to 1 year short-term products, covering 14 major diseases, and 100 yuan is 100 yuan. Both can be renewed, mainly depending on which kind of protection consumers prefer. Suggestion: Financial management and old-age care have become the main topics for women of this age, and it is recommended to choose financial management. Dividend insurance on the market now is a good choice.
Recommended: Ankang Bank's old-age security.
Comments: The maximum age limit of this insurance is 59 years old, and it is guaranteed to be 88 years old. In addition to normal major diseases and accidents, there are exemption from insurance premiums, annual physical examination allowance and, most importantly, cash dividends. However, this product also has some problems, but it should be said that it is the shortcoming of the whole dividend-paying product, that is, there are many exemptions, the price is expensive, and 5498 yuan can guarantee 1000 yuan, and the liquidity is poor, and the early surrender is less. 30-year-old married professional women usually have a relatively fixed income and have a longer-term plan and expectation for their lives, so they have more freedom in purchasing insurance and become the main goal of insurance salesmen. At this time, wives must carefully consider the types of insurance purchased in combination with the economic and income situation of the other half.
Married women with average income already have public medical insurance, so they can only buy some accident insurance as a supplement, or take out female health insurance with lower price. On this basis, insurance products with dividend-paying financial management function are selected to realize comprehensive functions such as financial management, illness, accident and pension. When purchasing, you can also enjoy dividends according to the profitability of the insurance company. Take Ms. Wu, a 30-year-old secretary working in a public institution as an example. If she buys an insurance company's X-year old-age insurance, she will get several times the amount insured in the main contract according to the number of years. If the expiration date of the contract still exists, you will get the expiration of the insurance amount of the main contract in that year, and you can also get dividends during the insurance period. While Ms. Wu Can bought the above insurance, she also bought an extra critical illness insurance.
Married women with higher incomes can afford higher-priced women's health insurance provided by insurance companies because they have more disposable personal property. In addition, they can also consider buying some additional investment-linked insurance or comprehensive insurance. These types of insurance can meet the individual's demand for greater return on investment. However, when buying this kind of insurance with investment color, we should pay attention to that since it is an investment, there will be some risks in it, and we should strictly examine where our risks may appear.