1. Why do you want to buy insurance for people who just graduated?
Many college students or young people think that they are young and healthy, so it is not cost-effective to buy insurance so early, but the facts are different. Insurance is used to provide protection and avoid unpredictable risks. If there is a risk, you will miss the insurance opportunity. Therefore, in the case of good health and meeting the insurance conditions, you should buy insurance in time to protect yourself. At this time, the premiums required for some insurances are generally not particularly high.
For friends who have just graduated, they have just stepped into the society and started to work, changing from the role of students to a real social person. After graduation, when you really become a migrant worker, you need to travel to and from various cities frequently, which may be far away and accidents may occur in the process.
Second, people who just graduated should buy insurance like this!
The insurance scheme for newly graduated students is quite simple, and it is generally recommended to buy: critical illness insurance, million medical insurance, accident insurance and life insurance.
1, critical illness insurance
Critical illness insurance means that when the insured detects a serious illness and meets the requirements of the contract, he can get compensation. 75% people in China are in sub-health, and young people who have just graduated are more likely to suffer from some major diseases than the elderly. If a serious illness is unfortunately diagnosed, most young people can't afford to pay for the treatment of serious illness, so it is very necessary for those who have just graduated to have a serious illness insurance to protect themselves.
However, there are so many critical illness insurances on the market that it is estimated that everyone does not know which one to buy. Senior sister has compiled ten cheap and guaranteed critical illness insurance, so don't miss it!
"Top Ten Hot Critical Illness Insurance Inventory Worth Buying! 》
2. Millions of medical insurance
What is million medical insurance? That is, millions of medical insurance. The protection of millions of medical insurance is more comprehensive, and hospitalization, outpatient surgery and other expenses can be reimbursed. However, it should be noted that medical insurance generally has a deductible, and the deductible of millions of medical insurance in the market is generally 1 10,000 yuan.
Young people who have just graduated may stay up late and work overtime at any time, and their exercise frequency is getting lower and lower, and their resistance is getting lower and lower. At this time, it is very necessary to configure a million medical insurance to protect yourself.
3. Accident insurance
Accident insurance refers to the life insurance that the insured suffers death or disability due to accidental injury.
Young people who have just graduated run around to make money, and the chances of accidents are also great. Buying an accident insurance can effectively solve the economic problems caused by no income when you encounter misfortune, and the accident insurance premium is relatively low, which is basically within the economic ability of young people who have just graduated.
4. Life insurance
Life insurance is usually based on the death of the insured. For example, if the insured dies due to an accident or illness, the insurance company can get corresponding compensation.
People who have just left society have begun to shoulder the burden of family and gradually developed into the pillar of family economy. In this case, the senior suggested that if the economic conditions are ok, you can configure another life insurance for yourself. Life insurance can subsidize a sum of money to his family when he dies unfortunately. If he is an only child, he can have a good old age when he is old.
Third, the insurance evaluation suitable for the newly graduated people in the market!
There are many insurance products suitable for young people who have just graduated, and they all sell well. For example, critical illness insurance includes Huaxia Ivy Critical Illness Insurance, Guo Fu Life Darwin No.6, Hetai Life Super Mary No.6 Critical Illness Insurance, Guardian No.5, Evergrande Hengjiabao Privileged Critical Illness Insurance and so on.
Many people will think that as long as it is popular or the products of big companies are good, but it is not. Whether a critical illness insurance product is excellent or not can only be known by comprehensive analysis of the guarantee content and terms.
Let's take Hetai Life Super Mary No.6 critical illness insurance on the market as an example to analyze whether these popular products on the market are worth buying!
"Super Mary 6 critical illness insurance is very cost-effective? But I was pulled out from these two places ... "
In addition to selling critical illness insurance that can protect serious illness, there are many whole life insurance in the market that are particularly popular.
For example, whole life insurance, whole life insurance, whole life insurance, whole life insurance (Internet exclusive), Bohai Life Insurance, etc. There is also the function of saving money.
So these popular products must be good? To judge whether a whole life insurance product is good or not, we only need to analyze its terms and contents.
Fourth, people who have just graduated must read it before buying insurance!
After learning the above contents, I believe that people who have just graduated know how to buy an insurance that suits them, and it will be clear whether a product is really reliable.
However, the current insurance product update iteration is very fast, and the coverage content, compensation ratio and exemption clauses of different companies and products are different. From the point of view of people who have just graduated, the above factors will inevitably make people feel overwhelmed and unable to start.
So it seems easy to buy insurance, but it also involves some other knowledge, so you should choose it according to your own needs.
Senior sister suggested that when buying insurance, don't just know the protection content of the product! These points also need attention, or you will be cheated if you are not careful!
Which kind of insurance is better and how to buy it is more cost-effective, and teach you to avoid these pits of insurance.
5. Where is the most cost-effective place for fresh graduates to buy insurance?
I believe that people who have just graduated have an answer in their hearts. So for those who have just left campus, where is the most cost-effective insurance?
We have two channels to buy insurance: online and offline.
Online insurance channels generally include:
1. official website, APP, insurance mall and third-party insurance mall under the insurance company, such as ant insurance in Alipay and micro-insurance in WeChat;
2. Insurance brokers and other channels;
It is no problem to call the telephone sales hotline of insurance company, which has developed into a good channel for selling products.
Offline insurance channels generally include:
1. physical stores (offline outlets); Just like a big company like Ping An Insurance, there are more than 2,800 offline outlets nationwide. If you need to buy, you can buy directly offline.
Insurance agents can also find suitable insurance products for us, which actually belongs to "face-to-face" sales.
6. How to buy family insurance?
As a fresh graduate, you should buy suitable insurance for your parents after configuring insurance for yourself.
After all, people who have just graduated have just joined the work and the economy has just started. If something happens to parents at home at this time, it is difficult for them to bear such expenses.
Moreover, due to the high prevalence rate, the probability of accidents is high after parents' age rises again and again. It is necessary for newly graduated people to provide their parents with a complete insurance configuration after purchasing insurance for themselves.
Write it at the end
I am an expert in insurance, focusing on objective, professional and neutral insurance evaluation;
If the above content has not solved your problem, you can also come to the official account of WeChat to learn to bully and say that insurance consulting me;
I give you the most professional advice based on many years of experience in configuring insurance for 10W+ families.
WeChat official account: Xueba said that insurance costs less, buy the right insurance!