Hello, what insurance is it cost effective for me to buy this year 28

The purchase of insurance is mainly based on the individual's family situation. Only the right insurance at the right time is the best option.

First of all, for basic medical insurance and critical illness protection, the premium and sum insured of this product are relatively appropriate. As a modern insurance is also a must-have.

Secondly, if your family is wealthy, you can consider financial dividend insurance on the basis of medical treatment and critical illness, such as education funds, wedding funds, etc. If you still have rich funds, you can also study the type of pension insurance.

As a family structure, if in order, it is the parents themselves who need insurance the most, and then the children. Because parents are the economic pillars of the family. Insurance is a good thing, but it's not that the more you buy, the better, but the more comprehensive the better.

It is advisable to spend no more than 20% of your annual income on the general insurance plan.

If you have any other questions, you can contact us privately.

Should I buy critical illness insurance? If you don't take risks, won't the money be spent in vain?

28-year-olds can purchase critical illness insurance, million medical insurance, accident insurance, and term life insurance.

1.Critical illness insurance.

It is important to know that many diseases are showing a trend of younger people, so the risk of diseases in 28-year-olds cannot be ignored. Moreover, if the 28-year-old unfortunately suffers from a major illness, the huge **** expenses required are often difficult for ordinary families to bear. It can be seen that critical illness insurance is particularly important.

If the 28-year-old suffers from a related illness, the insurance benefits paid by the insurance company can also help the insured to a certain extent reduce the financial pressure in this situation.

Recommended to you at the age of 28, the top 10 critical illness insurance points worth buying!

2.Million Medical Insurance.

Million medical insurance also needs to be configured. Because critical illness insurance only covers the illnesses agreed in the terms, we also need to allocate millions of medical insurance for 28-year-olds to supplement it. If eligible, Million Medical Insurance will reimburse the insured for the high cost of hospital visits.

The 28-year-old is equipped with critical illness insurance and million medical insurance at the same time, and the health protection is more sufficient!

3.Accident insurance.

The risk of accidents is something that every age group needs to be aware of, and 28-year-olds are no exception. Accident insurance can help the insured person transfer the financial risk caused by an accidental injury, therefore, accident insurance is also a 28-year-old need to configure insurance.

4.Term life insurance.

The 28-year-old is often already the main financial responsibility of the family and becomes the breadwinner of the family. In the unfortunate event of the death of the breadwinner, the family may be in crisis. Term life insurance can cover the financial gap caused by the unfortunate death of the breadwinner of the family, and if eligible, can help the family survive the financial crisis.

Therefore, for the 28-year-old group who has become the breadwinner of the family, the senior sister highly recommends that they also allocate term life insurance!

What is Term Life Insurance? Who is it suitable for? Everything you want to know is here!

It is cost-effective to buy insurance at the age of 28:Social medical insurance + critical illness insurance + commercial medical insurance + accident insurance.

It is wiser to buy insurance at the age of 28, and in general, the physical fitness is relatively high, there are many types of insurance products to choose from, and the premiums are cheaper. So, I'm going to introduce you to what kind of insurance is suitable for you at this age.

1.Social health insurance.

First of all, we need to buy social health insurance first. As we all know, social medical insurance is a benefit given by the state, and in order to comply with the call of the state, everyone should actively purchase social medical insurance. The social health insurance will not cause a financial burden on everyone.

2.Critical illness insurance.

Critical illness insurance is the most worthwhile type of insurance to buy in commercial insurance. Let's take a look at this set of data, lung cancer, which was once considered a cancer of the elderly, has also shown a trend of younger age in recent years, and the youngest patient is only about 10 years old. The incidence of lung cancer in men is higher than that in women, and the incidence of lung cancer in people at the age of 35 is increasing rapidly.

Therefore, critical illness insurance is not an exclusive product for middle-aged and elderly people, so don't leave it to chance and pay attention to your body. The sooner you buy critical illness insurance, the cheaper the premiums will be, so you should do your homework as soon as possible to buy critical illness insurance products.

3.Commercial medical insurance.

Many people confuse social health insurance with commercial medical insurance, but in fact, the two cannot be equated;

It can be said that the two are complementary. If you encounter a fever, it's okay, and the social medical insurance reimbursement is OK; However, if you have a serious illness, and social security can only reimburse 40% of the medical expenses in the secondary hospital, the rest of the medical expenses must be borne by yourself, and the 60% of the medical expenses are not a small expense;

Therefore, the supplementary role of commercial medical insurance is highlighted: it reimburses the remaining expenses of social medical insurance, so that it can relieve a lot of pressure on the general economic situation.

I recommend giving priority to buying millions of medical insurance, the main reason is that the first million medical insurance is not very high, and you only need hundreds of yuan a year to enjoy millions of insurance amounts. In addition, it has comprehensive coverage, such as surgery fees, nursing fees, etc. are included.

4.Accident insurance.

Accidents are inevitable, and accidents such as traffic accidents at the age of 28 and accidents caused by accidental falls on the road are also possible; It is necessary to have an accident insurance policy, and there are many good accident insurance plans in the market.

[Written at the end].

I am [Xueba Says Insurance], focusing on objective, professional and neutral insurance evaluation;

I will give you the most professional advice with years of experience in configuring insurance for 10w+ families.

It is more cost-effective for 28-year-olds to purchase critical illness insurance, medical insurance and accident insurance.

Since critical illness makes the protection of virtual insurance play a greater role, I will tell you about critical illness insurance.

First of all, if you don't have a budget, you can buy critical illness insurance that covers a fixed period of time first, and then choose a lifelong protection when the budget is sufficient.

After all, with the same coverage, fixed-term critical illness insurance is cheaper than lifetime critical illness insurance.

The dividends of insurance companies are based on the profitability of each insurance company, which is dispensable and has obvious uncertainties.

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

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.

For each of us, we should consider health insurance. Directly speaking, as people age, their body's resistance is inversely proportional, and their ability to resist related risks is relatively weak.

Therefore, you must first consider medical insurance, whether it is Shanghui or Baohe Social Security, and then consider other insurance products, so that it makes sense. If you are not healthy, it is impractical to have more pension insurance.

It is recommended that you first purchase the social security launched by the state (preferably if the unit comes forward to purchase it), including cooperative medical insurance, and then consider commercial insurance as a supplement.

Here, I know that in this industry, there are three recognized sentences that say this: "brand in life", "Ping An talents" and "Xinhua 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 a lifelong contract, and you can become lifelong happiness if you buy it well, 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) Buy insurance first adults and then children, if adults are not protected, no matter how much insurance children have, it is meaningless to slip before the army, after all, it is adults who pay the relevant fees for children.

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

Hello! At present, there are many insurance products on the market, and for you at the age of 28, accident insurance, health insurance, and life insurance are all very suitable products. The details are as follows:

1. Accident risks are everywhere, and once there is an accident, it will be a heavy blow to yourself and your family, and it will cause a certain economic burden. To do this, you need to buy the right accident insurance to hedge against risks. If you frequently travel by various means of transport, you should choose a comprehensive accident insurance; If you are the breadwinner of your family, the sum insured should be set at about 10 times your annual income.

2. Disease has become a major killer of human beings, so it is necessary to buy a health insurance, especially critical illness insurance. 28-year-old men are in the rising period of work, most of them are in a sub-health state, a suitable medical insurance and critical illness insurance is very necessary to buy, the amount of insurance should be fully recommended at 100,000 yuan to 200,000 yuan. When purchasing medical and critical illness insurance, 28-year-old women should pay special attention to women's special diseases, such as chiropractic breast cancer, cervical cancer, etc., and check whether these common female critical illnesses are covered when purchasing critical illness insurance.

3. Choose the right life insurance product under the condition that the above basic protection is comprehensive, so that you can better assume the obligations and responsibilities to the family. At present, there are two main types of life insurance in the Huichang market, one is whole life insurance, and the other is term life insurance, in which the former protects life, but the premium is more expensive, and the latter cannot provide lifelong protection, but the premium is cheap. For those with average financial conditions, it is best to consider term life insurance, while those with better financial conditions should consider whole life insurance.

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

If you have a limited budget, a 28-year-old friend can give priority to millions of medical insurance and accident insurance. The annual premium required for these two types of insurance is generally not particularly high, which can be said to be more cost-effective.

In addition, if the economic conditions allow, it is best for everyone to configure critical illness insurance! You can choose a longer payment period (e.g. 20 to 30 years) when you apply for insurance. Other conditions are similar, the longer the payment period, the less annual premium required, and the less financial pressure on the policyholder.

Generally speaking, it is more cost-effective for 28-year-olds to purchase critical illness insurance, million medical insurance, and accident insurance.

Take accident insurance as an example, for the medical expenses incurred by accidents such as burns and burns that usually occur, you can reimburse a sum of money if you are eligible.

And the accident insurance is not expensive, the annual premium ranges from dozens to hundreds of yuan, which is still very exciting.