What kind of commercial insurance is suitable for 25 years old?

Most of the 25-year-old young people have not worked for a long time, and the economic conditions are not mature enough, so it is more appropriate to buy protection commercial insurance at this time, such as critical illness insurance, million medical insurance, and accident insurance, which are all commercial insurance suitable for 25-year-olds.

For those who don't know the difference between critical illness insurance, million medical insurance and accident insurance, see here: What is the difference between critical illness insurance, medical insurance, accident insurance, and life insurance? Will there be a conflict when making a claim?

1. Critical illness insurance.

Critical illness insurance is a benefit-type insurance, if the insured unfortunately suffers from the disease agreed in the policy and meets the claim requirements, the insurance company will pay a lump sum of money, the use of this money is not limited, everyone can use it to make up for the economic loss during the illness, as living expenses or for follow-up recuperation.

2. Million medical insurance.

Million medical insurance is a reimbursement type of insurance, which can be reimbursed for the expenses within the scope of the contract according to the proportion agreed in the contract. The current cost of serious illness is hundreds of thousands or even millions, and millions of medical insurance can give young people the confidence to accept better.

And it's not expensive, often a few hundred dollars can buy millions of insurance amounts, which is very suitable for 25-year-old young people.

3. Accident insurance.

Accident insurance generally covers accidental death, accidental disability and accidental medical treatment, and some accident insurance products on the market even cover sudden death. For 25-year-olds, buying accident insurance can be regarded as adding a guarantee to their working life.

Generally speaking, the insurance suitable for 25-year-olds includes critical illness insurance, medical insurance, accident insurance, and life insurance. In the case of sufficient budget, it is more appropriate to configure all four types of insurance, so that you can get more complete protection. If the budget is insufficient, you can prioritize critical illness insurance to provide critical illness protection for 25-year-olds.

The allocation of insurance should be based on their annual income to configure the appropriate insurance, not in order to buy insurance and affect their economic life, the most important thing in insurance is to choose the right one. At the age of 25, you have just stepped into the society and started working, and the economic foundation is not sufficient, so it is recommended that you buy consumer insurance, with low premiums and moderate protection. Accident, life insurance, critical illness, and medical can all be configured and can be selected between different companies.

If you have a sufficient economic foundation in the future, you can appropriately purchase offline insurance with returns, and you can find a reliable insurance company to make a reasonable allocation plan for you according to your needs. But you should also pay attention to moderation, and choose the right one for yourself, no matter how good the plan is. Insurance = protection, insurance is not equal to financial management.

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

Hello, you have received here how to buy a reasonable situation of that kind of situation, you can consider this, accident insurance, medical insurance, critical illness insurance and so on. This one still has to be chosen according to the needs of the individual.

Brother Bao said insurance, focusing on insurance product evaluation! At the age of 25, I basically didn't save much money, I didn't want to spend money to treat a minor illness, and it was difficult to face it by myself if I encountered a major illness.

Here is a reminder that buying insurance is not just based on the company, the product is the most important. Nowadays, the pressure on young people is increasing, thinking more and more long-term, and the awareness of insurance is constantly improving, but the ability to identify is still poor, and there are many insurance products, so it is not easy to choose the right insurance for yourself, so I vomit blood and integrate a 25-year-old how to configure insurance.

Young people mainly face these problems:

1) There are not many funds that can be mobilized in hand, and the money is not saved, and the income is not very high, and the economic foundation at this time is relatively weak.

2) There are many things to consider in the judgment of the bridge, which brings a lot of pressure, and it is easy to suffer from major diseases such as vascular disease, hypertension, stroke, cancer, acute myocardial infarction, etc.

It can be seen that what young people need is affordable but comprehensive protection for illness, which can be configured with accident insurance + critical illness insurance + million medical insurance.

1.Critical illness insurance.

According to WHO data, 75% of the people in China are in a sub-health state, and young people are more likely to suffer from certain major diseases than the elderly, and the incidence of major diseases is gradually increasing at the age of young people. Critical illness insurance protects critical illnesses, moderate and mild diseases, and most young people cannot afford to pay hundreds of thousands of ** expenses for critical illnesses, so it is still necessary to buy a critical illness insurance.

Look at this picture about:

It can be seen that the premium of critical illness insurance increases with age, and if you unfortunately get sick, it is very likely that the underwriting will not be approved, and the sooner you buy critical illness insurance, the better.

Here's a list to refer to:

2.Accident insurance.

The amount of accident insurance is only about 100 yuan, which protects accidental disability and death, and is very suitable for young people with low budgets to buy.

3.Million Medical Insurance.

Million medical insurance mainly reimburses hospitalization, and some medical insurance also has a medical green channel, which can provide proton heavy ions**. As long as two or three hundred yuan a year, there is a reimbursement amount of several million, even if the budget is not high, it is acceptable.

There are many products, to find the one that suits you take a look here:

Hello, you are currently 25 years old and belong to the post-80s. The post-80s generation is in the rising period of their careers, the struggle period of their lives, the pressure and danger they face are increasing day by day, and at the same time, they have gradually become the pillars of the family and society, so such a group must buy insurance. On the one hand, most people in this age group are only children, and their parents are getting older, and once they encounter an accident, they can leave a certain amount of financial security for their parents to spend their old age; On the other hand, many post-80s generations have bought houses, got married, and had children, and they have the pressure of mortgages and family responsibilities, and buying insurance is also a manifestation of responsibility for the next generation.

Many post-80s generations are facing pressure from employment and housing loans, thinking that it would be more appropriate to wait for everything to stabilize before buying. However, risks are everywhere and unpredictable, and risks do not wait for anyone. Therefore, the post-80s group has to buy a certain amount of insurance from now on, and may wish to take out 10% of their income every month to participate in the insurance plan, which will not reduce the original living standard, but also make a good protection plan for the future life.

Xueba talks about insurance, focusing on insurance product evaluation! At the age of 25, the budget for buying insurance will be relatively small, and if you are sick, you will not dare to treat it, and if you encounter a major illness, you will be at a lossDesigned for 25 years old!

Comparison Table of 136 Popular Critical Illness Insurance in China

It is important to note that buying insurance and choosing products is the most important thing, and it is useless to just look at the company. Nowadays, the pressure on young people is increasing, and they will begin to have a sense of crisis, and the awareness of insurance is constantly improving, but the ability to distinguish at this age is relatively low, and there is insurance information everywhere, so it is not easy to pick the right insurance for yourself, so I vomited blood and integrated a plan to buy insurance at the age of 25.

Young people mainly face these problems:

1) The working hours are not long, the awareness of saving money is not strong enough, and they are more accustomed to spending lavishly, and the economic foundation at this time is relatively weak.

2) Irregular life and rest, many problems to face, and great pressure, such as vascular disease, hypertension, stroke, cancer, acute myocardial infarction and other major diseases are very high.

It can be found that the budget for buying insurance at this age is smaller, but the protection demand is more, and you can configure accident insurance + critical illness insurance + million medical insurance.

1.Critical illness insurance.

According to WHO data, 75% of the people in China are in a sub-health state, and the incidence of certain major diseases among young people is higher than that of the elderly, and major diseases are no longer only high in middle-aged and elderly people. Critical illness insurance protects critical illnesses, moderate and mild diseases, and it takes hundreds of thousands of critical illness expenses at every turn** Many young people can't afford it, and they need a critical illness insurance to protect themselves.

Look at this picture about:

It can be seen that as the premium of critical illness insurance increases with age, and as you get older, if you suffer from certain diseases, you may not be able to buy it, and the sooner you buy critical illness insurance, the better.

Here's a list to refer to:Designed for 25 years old! Top 10 Critical Illness Insurance Points Worth Buying in 2020! 》

2.Accident insurance.

The amount of accident insurance is only about 100 yuan, which protects accidental disability and death, which is very suitable for young people to buy.

3.Million Medical Insurance.

Million medical insurance is mainly to reimburse for hospitalization, and many medical insurance will also come with a green channel for medical treatment, which can provide proton heavy ions**. Two or three hundred yuan a year, you can be reimbursed up to several million, even if the budget is not high, it is acceptable.

But you can't buy indiscriminately, after all, there are too many products and the quality is uneven, you can refer to:Designed for 25 years old! Top 10 Million Medical Insurance Points Worth Buying in 2020! 》

Xueba talks about insurance, focusing on insurance product evaluation! At the age of 25, the budget for buying insurance will be relatively small, and if you are sick and dare not treat it, if you unfortunately encounter a serious illness, it is difficult to face it aloneDesigned for 25 years old!

Comparison Table of 136 Popular Critical Illness Insurance in China

The important thing to say first is to look at the product when buying insurance, and you don't have to choose from a certain company. Nowadays, the pressure on young people is increasing, and they begin to think more long-term, and their awareness of insurance is constantly improving, but they still don't understand how to pick things at this age, and there is insurance information everywhere, and it is not easy to pick an insurance that suits them, so I specially compiled an answer to how to configure insurance at the age of 25.

Young people mainly face these problems:

1) Some of them are not yet working, some have just left the society, save less and spend more, and the economic foundation is relatively weak at this time.

2) Irregular life and rest, facing many problems, and superimposed pressure from all sides, it is easy to suffer from major diseases such as vascular diseases, hypertension, stroke, cancer, and acute myocardial infarction.

After the analysis, we know that at this age, we need to buy cheap but well-protected insurance, and you can configure accident insurance + critical illness insurance + million medical insurance.

1.Critical illness insurance.

According to WHO data, 75% of the population in China is in a sub-health state, and young people are more likely to suffer from certain major diseases than the elderly, and young people are gradually susceptible to major diseases. Critical illness insurance covers critical illnesses, moderate and mild diseases, **The high cost of critical illness is not affordable for most young people, and it is important to buy a critical illness insurance.

Here's a picture about:

It can be found that the sooner you buy critical illness insurance, the cheaper it is, if you unfortunately get a minor illness when you hesitate, the insurance company will not let you buy it, and the sooner you buy critical illness insurance, the better.

Here's a list to refer to:Designed for 25 years old! Top 10 Critical Illness Insurance Points Worth Buying in 2020! 》

2.Accident insurance.

Accident insurance only needs about 100 yuan to have hundreds of thousands of insurance amounts, to protect accidental disability and death, very suitable for young people to buy, you can choose an accident insurance and then look at others, for young people, there is an additional sudden death accident insurance is better.

3.Million Medical Insurance.

Million medical insurance is mainly to reimburse hospitalization for illness, and there is also a green channel for medical treatment, which is attached to many excellent medical insurance, which can provide proton heavy ions**. As long as two or three hundred yuan a year, there is a reimbursement amount of several million, and there is no need to be afraid of insufficient budget.

There are many products, to find the one that suits you take a look here:Designed for 25 years old! Top 10 Million Medical Insurance Points Worth Buying in 2020! 》

Insurance (children's education, retirement, wealth planning, health protection).