It should be noted that it is most important to buy insurance and choose products. It's no use just looking at the company. Nowadays, young people are under increasing pressure, thinking more and more, and their awareness of insurance is constantly improving. However, the discrimination ability of young people is not high enough, and it is difficult to distinguish between true and false insurance information. It is not easy to choose the insurance that suits you. I specially compiled a plan to buy insurance at the age of 20.
Young people mainly face these problems:
(1) I have no sense of saving money, and I am used to spending money lavishly. Even if the working hours are short, the economic foundation is relatively weak at this time.
(2) I work hard and meet the expectations of my family urgently. There are many things to consider, which bring great pressure, and there is no small probability of suffering from major diseases such as vascular disease, hypertension, stroke, cancer and acute myocardial infarction.
Through the analysis, we can see that at this age, comprehensive insurance with lower price should be chosen to 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 showing a trend of rejuvenation. Critical illness insurance covers major diseases and moderate/mild diseases. Most young people can't afford hundreds of thousands of treatment fees for serious illness, so it is necessary to buy a serious illness insurance. Here is a picture about the price:
It can be seen that with the growth of age, the premium of critical illness insurance increases, and if you are old, if you suffer from certain diseases, it is very likely that you will not be able to underwrite it. The sooner you buy critical illness insurance, the better.
I compiled a list: "Design for 20 years old! Top ten critical illness insurance stocks worth buying in 2020! 》
2. Accident insurance
You only need 100 yuan to buy an accident insurance with a coverage of several hundred thousand yuan to protect against accidental disability and death. Very suitable for young people to buy. You can choose an accident insurance first and then look at the others. For young people, you can buy accident insurance with sudden death protection.
3. Millions of medical insurance
Millions of medical insurance is mainly for reimbursement of illness and hospitalization, and many medical insurance will also be accompanied by a green channel 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.
You can't be careless in buying medical insurance. You can look at this list: "Designed for 20 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