What is the best insurance for women in their 20s

Hello! When buying insurance for women in their 20s, they should focus on accident insurance and critical illness insurance, and then choose life insurance. The specific description is as follows:

Most of the female friends who are more than 10 years old have just joined the workforce, their income is not high, and their ability to resist risks is weak, so it is important to purchase appropriate accident insurance. If you are a young woman working in an office, the probability of an accident is small due to the stable working environment, it is recommended to purchase personal accident insurance with an accidental death insurance amount of more than 100,000 yuan. If you are a salesperson, because you often run out of business, the risk of accidents is greater, so when choosing personal accident insurance, it is better to have a higher accident insurance amount and with public transportation accident insurance, the accidental death insurance amount is recommended to be set at more than 300,000 yuan, and the aircraft accident insurance amount is better than 1 million yuan, otherwise it will lose the meaning of insurance.

2. According to the survey, staying up late, irregular eating habits, lack of physical exercise, etc., have seriously affected the physical health of female friends in their 20s, and many people are in a state of "sub-health". Therefore, it is recommended that female friends in their 20s purchase a health insurance policy appropriately. At the time of purchase, be sure what you cover and see if it includes a daily hospitalization benefit.

In addition, if a female friend in her 20s wants to get critical illness protection, it is recommended to buy a single consumer card product to obtain the triple basic protection of accident, medical treatment and critical illness at a lower **.

3. On the basis of perfect accident and health protection, you can buy a life insurance to better protect your life. At present, the main life insurance products on the market are: term life insurance and whole life insurance.

For women in their 20s, whole life insurance premiums are expensive, so you may wish to choose a term life insurance with low premiums and comprehensive protection.

Generally speaking, critical illness insurance, medical insurance, and accident insurance are necessary for women in their 20s.

1. Critical illness insurance.

Critical illness insurance is a benefit-type insurance, women in their 20s buy critical illness insurance, if an unfortunate insured accident occurs, this money can not only help improve medical conditions, but also can be used for recovery and make up for the loss of economic income after illness.

Senior sister has summarized some cost-effective and in line with the critical illness insurance products purchased by women, so please take a look: recommended to you around 20 years old, the top ten cheap and well-priced critical illness insurance points!

2. Medical insurance.

Medical insurance is a reimbursement type of insurance, which can be used to cover the expenses of hospitalization when we are usually sick. Women in their 20s can configure millions of medical insurance, which has high leverage, and the premium is not expensive, and the sum insured can even reach millions.

3. Accident insurance.

Accident insurance mainly includes accidental death, accidental disability and accidental medical treatment, which can reimburse the medical expenses caused by accidents, and daily falls, falls, burns, etc. can be reimbursed by accident insurance. Accident insurance is cheap, the threshold is relatively relaxed, and it is a cost-effective type of insurance, which is worth buying for women in their 20s.

Women in their 20s can be given priority in purchasing protection insurance.

If the annual insurance budget is only a few hundred yuan, you can purchase accident insurance and million medical insurance, and many products only need a few hundred yuan in annual premiums, and you can allocate sufficient insurance amount.

In addition, if you have an annual insurance budget of several thousand yuan, then you can consider adding critical illness insurance on the basis of the above to make your protection more adequate!

Brother Bao said insurance, focusing on insurance product evaluation! In order to solve this problem, I made a comparison table of critical illness insurance worth buying for young people: the top ten insurance companies are "worth buying" of popular critical illness insurance!

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 the ability to identify at this age is relatively low, and there are many insurance products that are dazzling, so it is not easy to choose the right insurance for themselves, so I made a detailed strategy for people of this age to buy insurance at the age of 20.

Young people mainly face these problems:

1) I haven't worked for a long time or even haven't worked, I haven't thought much about saving money, and I won't be frugal when I spend money, and the economic foundation at this time is relatively weak.

2) Irregular life and rest, facing many problems, superimposed pressure from all sides, high incidence of vascular disease, hypertension, stroke, cancer, acute myocardial infarction and other major diseases.

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 young people are more likely to suffer from certain major diseases than the elderly, and young people are increasingly prone to major diseases. 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.

Here's a table of critical illness insurance**:

The analysis shows that the age of critical illness insurance is getting higher and higher, and as you get older, if you suffer from certain diseases, you can't buy it anymore, and the sooner you buy it, the better.

I don't know which one to buy, just look at the list selection:

2.Accident insurance.

Buy an accident insurance with an insurance amount of hundreds of thousands of dollars as long as about 100 yuan, to protect accidental disability and death, more suitable for young people to buy, before buying something else, buy an accident insurance, for young people, it is best to have additional sudden death protection.

3.Million Medical Insurance.

Million medical insurance mainly reimburses for hospitalization, and many excellent medical insurance also comes with a green channel for medical treatment, which can provide proton heavy ions**. The reimbursement amount of several million yuan is only two or three hundred yuan a year, which is acceptable without a high budget.

Worried that someone would step on the pit, I prepared an inventory:

Women in their 20s should first buy accident insurance, generally buy insurance is to choose accident insurance first, and then critical illness insurance, among which it is best to buy some special insurance for breast cancer in the early or wild days, and finally endowment insurance or dividend investment insurance, the situation is as follows:

The order in which an individual purchases insurance.

Individuals who purchase insurance should start with the most basic protection needs, then consider the configuration of long-term rigid needs, and finally consider dividend-paying and all-round investment insurance. The specific order is as follows:

First of all, buy traditional accident insurance and family critical illness insurance;

secondly, the pension insurance land shouts insurance;

Finally, consider buying an all-round investment insurance product;

Therefore, the order of purchasing insurance is to protect first and then invest, first to protect what you need in ordinary times, and then to plan for what you need in the long term.

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

Hello! For 20-year-olds, they should choose the right one according to their actual situation, such as accident insurance, health insurance, etc., and if the family economy allows, they can also buy a suitable life insurance. Here's how:

1.If you are still studying, it is recommended that you give priority to applying for a college student's medical bank insurance, so that you can use the most affordable** to improve the basic medical insurance.

2.Considering that 20-year-olds have impulsive personalities and are prone to accidents, personal accident protection is essential for you.

3.In addition to the above-mentioned protection, add appropriate commercial health insurance, such as critical illness protection plan. 4.

If financial resources permit, you can also consider life insurance, which can not only bring protection and income to yourself, but also be responsible for your family. People who are 20 years old before buying insurance, Feng Jinji is the best that suits him. There are a variety of insurance products suitable for your 20-year-old, so you may wish to compare and choose.

Auspicious Year Comprehensive Accident Insurance Coverage Content: * Accidental Injury 100,000 Yuan * Passenger Transportation Passenger Accidental Injury Aircraft 500,000 Yuan * Accidental Medical Insurance Benefit, and Accidental Hospitalization Allowance as Low to: 100 Yuan White-collar Health Series Protection Content:

Accidental Death Disability Burns Medical Treatment Hospitalization Allowance * Critical Illness Insurance Benefit * Public Transport Accident as Low as: From 350 Yuan Recreation and Worry-Free Insurance (Participating Type) Coverage Content: * Covering 33 Critical Illness Protections * 10 Years of Payment for 20 Years of Protection * Return at Maturity - 110% Payment of Maturity Insurance Premiums Minimum Monthly Cost:

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

Example of insurance for a twenty-five-year-old woman (suitable for white-collar housewives too):

Women's Critical Illness Maternity Protection Plan, lifelong protection, insurance liability: death, total disability, return of survival funds, annual dividends, 15 major potato diseases, female diseases, maternal and child protection illness insurance. The insured amount is 180,000 yuan, the payment is 20 years, a total of 210,000 yuan is saved, the insurance company rewards 1,000 yuan when giving birth, 10,000 eight cash is received on the 9th and 18th contract anniversaries, and there are 580,000 yuan in the account when you are 88 years old, and 820,000 yuan in the account when you are 100 years old.

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

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

It is better for women in their 20s to buy critical illness insurance, medical insurance, accident insurance and life insurance, and if the insurance budget is sufficient, they can add other types of insurance to enrich their insurance system after allocating these four types of insurance.

Before buying insurance, you must first understand these key knowledge points!

1. Critical illness insurance.

Critical illness insurance is an insurance that can make cash claims after the insured is diagnosed with the agreed disease and meets the claim conditions, which can effectively reduce the economic loss caused by the illness. If a woman in her 20s suffers from a serious illness, it can prevent her from falling back into poverty.

However, it should be noted that many critical illness insurance health notices will set specific requirements for women, so everyone should try to choose some products with more relaxed health notices.

It just so happens that the senior sister knows that a critical illness insurance not only has a relaxed health notice, but also a critical illness insurance premium of up to 180% of the basic sum insured, it is Versailles plus, if you are interested, you can take a look:

Versailles Plus Critical Illness Insurance is back, an in-depth review must be seen before buying!

2. Medical insurance.

Medical insurance is an insurance that can reimburse the expenses of the necessary medical activities stipulated in the contract, which can make up for the lack of reimbursement coverage of social medical insurance, and can further reduce the medical burden of women in their 20s if it is combined with critical illness insurance.

3. Accident insurance.

Accident insurance can reduce the damage of accidents to us, and it is also the most common insurance in daily life, its insurance threshold is relatively low, and only two or three hundred premiums a year can be, and the cost performance is very high. Women in their 20s are still in the period of career struggle, and it is inevitable that they will often travel for business, and the probability of encountering accidents is quite high, so accident insurance still needs to be purchased.

4. Life insurance. Some women in their 20s are slowly taking on family responsibilities, and if something happens to them, it will have a big impact on the family finances. Life insurance can give their families a sum of money after such misfortune occurs, so as to prevent their lives from being in trouble.

If you want to know what popular life insurance products are available in the market, you can click below to view:

Top 10 Life Insurance Worth Buying!

Hello! When buying insurance in your twenties, it is best to buy all your accident insurance and health insurance, so as to give yourself comprehensive protection. As for products such as life imitation with risk, they can be considered when the economic conditions allow for sailing.

1. Accidents are everywhere, so you should give priority to accident insurance and choose reasonably according to the accident risk you are facing in your current career. If you often travel by plane, train and other means of transportation, it is best to purchase personal accident insurance with transportation accident insurance to strengthen your accident protection; If you are sitting in the office and working, you should mainly take personal accident insurance, and the amount of accidental death insurance is more than 100,000 yuan.

2. Illness is another major risk faced by people in their twenties, so health insurance is indispensable. When applying for insurance, it is recommended that the amount of critical illness insurance is set at more than 100,000 yuan, otherwise it will be difficult to resist the financial risks brought by critical illness. For those with average financial income, it is recommended to purchase high-quality and low-cost consumer health insurance to obtain multiple health protection, including critical illness, at an affordable price**.

3. In the case of the above comprehensive and good economic ability, it is recommended that you consider applying for a life insurance, so that you can better assume the obligations and responsibilities to your parents. If the economic conditions are good, you can buy long-term return life insurance; If the financial conditions are average, buy term life insurance.

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