As such people who have just entered the society, their life planning is in a step-by-step stage. At this time, they will feel that insurance is far away from them and there is no need to buy it. Actually, it is not. Insurance is compulsory for everyone, but you must not buy insurance easily. College students who have just come out to work will basically pay social insurance. Some companies with good welfare will be equipped with five insurances and one gold, namely, medical insurance, maternity insurance, old-age insurance, unemployment insurance and industrial injury insurance. Some companies with poor welfare benefits may only pay them medical insurance, or even say no, but in any case, social insurance can not fully meet our health protection needs. It is very necessary to buy commercial insurance.

First of all, college graduates should know their own insurance needs: low cost, high security and wide coverage. With low income and less disposable economy, it is unrealistic for college students to buy insurance with high consumption and high security. At the same time, we are also facing the pressure of work, life and family, so we must be reasonable. After earning a salary, it turned from consumption to production, which played a role as one of the pillars of the family. If accidents do great harm to families and the elderly, commercial insurance with higher coverage will play a very important role as a supplement to social insurance.

Million medical insurance is a kind of reimbursement consumer insurance. The insured can enjoy medical insurance ranging from one million to several million only by paying a few hundred yuan of premium every year. The coverage of millions of medical insurance is not limited to the types of diseases. As long as you see a doctor in a medical institution restricted by products, you can get hospitalization, surgery, treatment, medicine fees and other guarantees. In addition, there are many restrictions on medical insurance payment, such as the fees of private hospitals, imported drugs and advanced therapies, which are not covered. Full coverage of millions of medical insurance and high compensation ceiling have solved these problems well. Million medical insurance has low premium and high cost performance. Freshly graduated college students must choose millions of medical insurance as the first insurance.

In life, unknown risks are everywhere. According to relevant data, every year,10 million people die due to accidents. It's creepy to look at this huge data. As the hope of family, college graduates shoulder the responsibility to their parents, and major unexpected risks often bring great consequences. It is very necessary to properly allocate a certain amount of accident insurance according to your own situation. And the accident insurance coverage is high and the premium is low. Spending more than 200 yuan a year can buy more than 500 thousand. At the same time, taking into account high-quality accidental medical care can transfer most of the accidental risk losses.

At this age, although the income is generally low, once you suffer from a major illness, the economic impact on yourself and your family is huge, and you need to spend a lot of money continuously. Therefore, it is very necessary to equip you with a suitable critical illness insurance. At present, there are many kinds of critical illness insurance, such as multiple payment and single payment, life insurance and term insurance. But in either case, it is most important to choose the product that suits your own situation. Also, the price of buying critical illness insurance at this age is very advantageous, and the insurance will be smoother.