28 years old, female, married, with chronic diseases, what kind of insurance is good to buy?

When you apply for commercial insurance, you must tell the truth about your illness, which is also the best protection for yourself, you are honest, and the insurance company will be honest in the future.

First of all, the order of purchasing insurance is: you must first protect the product, including 1, consumption (accident insurance, term life insurance, etc.); 2. Accumulation type (whole life insurance, comprehensive insurance, etc.). Then there is medical insurance (general medical care, serious illness medical insurance, etc.), endowment insurance, children's education funds, investment dividend products, etc.

At the same time, the order of purchase of the family is: 1, the economic pillar; 2. Your lover; 3. Family members without financial income, such as children, the elderly, etc.

Secondly, the principle of purchasing insurance is based on social insurance, and it is better to add appropriate commercial insurance as a supplement.

For example, first purchase the social insurance launched by the state (it is best to have a unit come forward to purchase), such as the cooperative medical insurance for rural households or the medical insurance for urban residents with urban households, and then consider commercial insurance as a supplement.

For each of us, we should focus on health insurance. That is, medical insurance and protection products are the first, and then the combination of pension insurance, children's education funds, dividend investment and other products is considered.

Directly speaking, as people age, their body's resistance is inversely proportional, and their ability to resist related risks is relatively weak.

Third, insurance follows the "high loss priority principle", that is, if a risk accident occurs infrequently, but the loss is serious, priority is given to insurance.

The expenditure of its insurance costs is generally about 10---20% of the annual income, and it is best not to exceed 20%, that is, to use 10% of the funds to preserve 100% of their assets.

To be honest, we make money for a lifetime, and at the same time, we spend money for a lifetime, so why does everyone work so hard? In the future, pension, medical care, children's education, etc., but must have a healthy body, smart people know this truth, only the capital to make money, you can make more money, so it is important to buy adequate medical insurance. If you are not healthy, it is impractical to have more pension insurance.

Here, I know that in this industry, there are three sentences that say this: "brand in life", "Ping An's talents" and "Xinhua's products".

Finally, it should be noted that the principle of insurance application is as follows:

1) Buy insurance first to buy medical health, health can ensure that customers have everything.

2) Buying insurance is light on words and heavy on contracts, life insurance is generally medium and long-term contracts, and if you buy it, you can become a lifelong happiness, otherwise it will have a great impact.

3) Insurance products need to have the function of maintaining and increasing value, and the current standard of living is increasing day by day, and must be able to curb inflation.

4) To buy insurance, you must first protect the head of the family, if the main wealth creator of the family is not protected, then the premium? Cost of living? and other family expenses are not ***.

5) Buy insurance first for adults and then children, and adults are the best protection for children. If adults are not protected, no matter how much insurance children have, it is meaningless, after all, it is the adults who pay the relevant fees for the children.

Xueba talks about insurance, focusing on insurance evaluation! It is recommended that women give priority to critical illness insurance when choosing to buy commercial insurance"Comparison Table of 136 Popular Critical Illness Insurance in China".

It is recommended that when buying insurance products, women should choose insurance products that are suitable for them based on their age, physical fitness, family situation, income level, etc. Friends who are too lazy to look at the analysis and want to find the answer directly, you can look at this list that I have painstakingly sorted out:"Inventory of the Top 10 Critical Illness Insurance Worth Buying for Women!

At the age of 20-30 yearsThe vast majority of women have just come out of society and do not have much financial ability, so it is recommended that women at this stage buy critical illness insurance and accident insurance. It is very cost-effective to choose to purchase a critical illness insurance policy at this stage, as it will become more expensive with age. If you have a limited budget, you can choose to buy a term critical illness insurance policy, for example, until the age of 60, which will only cost about 1,000 yuan a year; Or buy a low sum insured critical illness insurance, and buy a whole life critical illness insurance with an insured amount of 100,000 is also about 1,000**.

I've picked out some critical illness insurance products that are more cost-effective and suitable for women at this time:"Critical Illness Insurance for Women Aged 20-30".

If you need it, you can look at young women who work outside the home, and the risk of accidents is still very large, so accident insurance is a must. A few dozen yuan can buy an accident insurance with an insurance amount of tens of thousands, which is very cheap.

By the age of 30-45Most of them have already started a family and are already one of the main sources of family income, so it's time to buy critical illness insurance and life insurance. Of course, if you don't have the main financial responsibility for your family, you can reduce the sum insured when you can afford to buy life insurance. However, the sum insured of critical illness insurance is about to be higher.

Because this period is a period of high incidence of major diseases in women, such as cervical cancer, breast cancer and other diseases, after purchasing critical illness insurance, when a major illness occurs, there will be enough money to carry out**, and the life of the family will not be affected.

Suppose it isBefore the age of 45If you don't have critical illness insurance, you should buy it as soon as possible. Because you are over the age of 50, it is not only expensive but also difficult to buy critical illness insurance. Women at this age are prone to getting sick, and all the functions of the body are slowly weakening, so it is necessary to increase the expenditure on medical insurance premiums and buy some large medical insurance such as million medical insurance.

Here's a list of million-dollar medical insurance plans for people over the age of 45:"Super cost-effective! Top 10 Million Medical Insurance Rankings Worth Planting

If you are interested, you can take a look.

Hello. First of all, if you have a chronic medical condition, if you have health insurance, the insurance company will definitely require a medical examination.

The decision on whether or not to be covered will be made based on the results of your medical examination.

There are three general processing results:

1. Additional underwriting: If your illness is not very serious, the insurance company can underwrite your policy, but as a non-standard body, your insurance premium will definitely rise, but the insurance liability will be fully enjoyed, and other diseases caused by this disease in the future will also be covered by the insurance company.

2. Exemption from liability: If the disease is more serious, the insurance company can also underwrite this insurance, but for such diseases and other diseases caused by this disease in the future are not covered by the insurance company's insurance liability.

3. Refusal of coverage: If your illness is more serious and directly affects the interests of other insured customers, then the insurance company may choose not to cover your business. and refund your premium.

For example, in 08 years, I had a customer who was hepatitis B Xiaosanyang, and after the physical examination, my insurance company underwrote the business, and the diseases that may be caused in the future are also covered by the insurance liability.

By the way, when filling out the insurance policy, there is a truthful notification item, which requires the insured to fully and truthfully inform the insurance company of his physical health status according to the principle of maximum good faith.

In addition, the new insurance law requires that after two years of insurance application, even if the customer does not truthfully inform the customer of the difference in physical health, the insurance company must pay the claim in accordance with the insurance contract, which is called the principle of incontestability.

Hope mine can help you.

First, 28-year-olds are exempt from physical examinations, and if you are over 40 years old, you have to have a physical examination.

And secondly, you can tell the truth, and if they don't ask, you can not say it.

Thirdly, the occurrence of chronic diseases also occurs with age, and now you can get the maximum benefit with a small loss.

Fourth, the premise of your insurance is to choose a good ** person, who can best serve you for more than 20 years. This will protect you. The second is the product, and the last is the company.

Fifth, whatever insurance you buy, you must include critical illness and include your chronic illness. And it depends on whether the exemption is in it, and if the exemption is included, then you can't buy it, and the sixth is to buy a long-term product, so that when you are 48 years old, you can get protection.

Finally, welcome friends on this page to join the Xincheng Zhenling team to jointly create financial management ChinaSpecific steps: Right-click "Copy" Xincheng Zhenling "Paste" to the search team Join Welcome new members.

Xueba talks about insurance, focusing on insurance evaluation! At the age of 28, what kind of insurance do you buy? Let's take a look at this article first:Which insurance is suitable for you at the age of 28? What pitfalls to avoid? 》

The idea of buying insurance at the age of 28 is relatively good, in general, the physical fitness is relatively high, there are many types of insurance products that can be bought, and the premiums will be relatively cheap. So let me introduce you to what kind of insurance you should buy at this age.

1.Social health insurance.

First of all, we must first purchase social health insurance. As we all know, social medical insurance is a benefit given by the state, so don't waste your own benefits and configure social medical insurance. Social medical insurance advocates the purchase of the whole people, so it is also close to the people.

2.Critical illness insurance.

Critical illness insurance is the most worthwhile type of insurance to buy in commercial insurance. First of all, I will show you a data, lung cancer, which was once considered a cancer of the elderly, has also shown a trend of younger age in recent years, with the youngest being only in their teens. After the age of 35, the incidence of lung cancer rises rapidly, and the incidence is higher in men than in women.

It can be seen that the younger age of the disease reminds us that everyone needs to buy critical illness insurance, and we should start to pay attention to our own body and not have a fluke mentality. The sooner you buy critical illness insurance, you can't go wrong.

3.Commercial medical insurance.

Many people will confuse commercial medical insurance and social medical insurance, but in fact, there is a gap between the two;

It can be said that social medical insurance needs to be supplemented by commercial medical insurance to be more complete. If there is a small illness, the use of medical insurance can indeed deal with it; If you are unfortunate enough to have a serious illness and social security only reimburses 40% of the medical expenses, then the remaining 60% of the medical expenses can only be repaid by yourself, which may be a very heavy burden for ordinary families;

Then the role of commercial medical insurance is also reflected: so the rest is reimbursed by commercial medical insurance, so that it can relieve a lot of pressure for the general economic situation.

It is advantageous to buy a million medical insurance in medical insurance, mainly because it is cheap, and you can get millions of insurance dollars a year with a few hundred yuan. Secondly, it has a very comprehensive coverage, such as surgery fees, nursing fees, etc. are included.

4.Accident insurance.

Anyone can be in an accident, at the age of 28 you may be in a traffic accident, an accident such as a fall on the road. Accident insurance is very important for anyone, and the minimum for an accident insurance is 100 yuan. Hope!

Twenty-five-year-old female example:

Women's critical illness maternity insurance, protection for life, insurance liability: death, total disability, return of survival funds, annual dividends, 15 kinds of critical illnesses, female diseases, maternal and child protection disease insurance. The sum insured is 180,000, the payment is 20 years, the total savings are 210,000, the 9th and 18th contract anniversaries receive 18,000 cash, the account is 580,000 by the age of 88, and the account is 820,000 by the age of 100.

It can be attached to comprehensive accidental hospitalization medical insurance, including all accidental hospitalization medical treatment, etc., there is no limit on the number of reimbursements, and the waiting period for hospitalization is only 30 days!

Hello! I am an insurance practitioner, I have seen your questions, and I would like to give you some constructive suggestions to facilitate your selection

According to the insurance regulations of each insurance company, it is generally some diseases that have been suffered before the insurance, and the insurance company will deal with them according to the specific situation after receiving the customer's truthful information, such as continuing to investigate the latest medical case information; As a sub-healthy individual, it needs to be covered after an additional fee; or to exclude liability for pre-existing illnesses and other illnesses that may arise from them; or be denied insurance.

This is decided based on the principle of risk control, and we hope you can understand.

However, in order for us to have a knowable amount of money to resist the financial losses caused by illness, it is recommended that you choose some simple investment and wealth management insurance to supplement this aspect.

Hope it helps with your queries! I wish you all the best!

I'm afraid you can't buy health insurance, you have a chronic disease.

The premium of critical illness insurance depends on the amount you purchase and your current age. Critical illness insurance for women and men is the same, it does not distinguish between men and women, and you should also buy adequate medical insurance when buying critical illness insurance. For example, a 30-year-old woman.

Be sure to buy 2 million first, and both self-financed drugs and imported drugs will be reimbursed. The premium will not exceed a thousand dollars. Then buy some critical illness insurance according to your conditions.

The function of critical illness insurance is to supplement the expenses of the later stage and the expenses caused by the loss of income caused by the inability to work normally during the ** and rough periods. Here's a proposal I gave to a 28-year-old, female client, because he wasn't paid much. So I made more than 3,000 proposals.

I want to buy more than enough, and if I am seriously ill, I have almost 100,000 yuan. If your family is in good condition, you are seriously ill.

Extended reading: [Insurance] How to buy, which one is better, teach you to avoid these insurance"pits"