I have just turned 20 years old, what insurance products should I buy when buying insurance?

Xueba talks about insurance, focusing on insurance product evaluation! At the age of 20, the economic foundation is relatively weak, and I don't want to spend money on treatment for a minor illness, and if I encounter a major illness, I will be at a loss all of a suddenDesigned for 20 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 of young people is increasing, thinking more and more long-term, and the awareness of insurance is constantly improving, but the ability to identify needs to be improved, and the information of insurance is complicated, and it is not easy to pick the insurance that suits them, so I stayed up late to do such a 20-year-old insurance method analysis.

Young people mainly face these problems:

1) The working hours are very short, I usually don't like to save money, and I don't spend money in moderation, so the economic foundation at this time is relatively weak.

2) Busy work and fast pace of life, facing many problems, pressure from all sides, 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 young people are more likely to suffer from certain major diseases than the elderly, and major diseases are gradually getting younger. Critical illness insurance protects critical illnesses, moderate and mild diseases, and it takes hundreds of thousands of critical illness expenses at every turn, and many young people can't afford it, so it is necessary to buy a critical illness insurance.

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

It can be found that the sooner you buy critical illness insurance, the cheaper it is, and if you unfortunately get sick and can't buy it if you want to, the sooner you buy critical illness insurance, the better.

I'm afraid of stepping on the pit and choose it directly here:Designed for 20 years old! Top 10 Critical Illness Insurance Points Worth Buying in 2020! 》

2.Accident insurance

About 100 yuan can buy hundreds of thousands of accident insurance, to protect accidental disability and death, very suitable for young people with a low budget to buy, buy an accident insurance before buying something else, for young people, pay more attention to the accident insurance with sudden death.

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**. A few hundred yuan a year, you can have a reimbursement amount of millions, and you don't have to be afraid if the budget is not high.

If you want to buy medical insurance, you can't be sloppy, you can take a look at this list:Designed for 20 years old! Top 10 Million Medical Insurance Points Worth Buying in 2020! 》Hope!

Hello! In their 20s, they don't have much savings when they just join the job, so in the choice of insurance, they should first consider buying pure protection products, such as accident insurance. Accident insurance can be purchased on a year-by-year basis, and can be considered at discretion if the company has a higher level of accident protection in the company's insurance.

Generally, it is recommended to have 2-3 times the sum insured with an annual income. Second, choose hospitalization medical insurance or critical illness insurance. The former mainly includes hospitalization expenses and hospitalization subsidies.

The main content of hospitalization expense insurance is to reimburse the insured's hospitalization medical expenses in accordance with the provisions of the insurance contract; The hospitalization subsidy type is mainly based on the contract, and the insured is given a daily hospitalization subsidy. Critical illness insurance is a payment type, once you suffer from a critical illness, the insurance company will pay the insurance amount according to the contract, and the insured can obtain insurance compensation in advance to pay for huge medical expenses. It is recommended to choose a critical illness insurance amount that is 2-3 times of their annual income, and in case of illness, they can be compensated for 2-3 years of income.

Critical illness insurance usually covers a longer period of time, ranging from 10 years, 20 years, or even lifetime to life.

The suitability of an insurance product is inseparable from the age of the insured. Young people aged 0-30 are recommended to take out critical illness insurance, medical insurance and accident insurance; People aged 30-50 are recommended to allocate critical illness insurance, life insurance, accident insurance, and medical insurance. Last night I put together a list of popular insurance plans for all ages:

Popular insurance points for all ages

You can take a look.

Under the age of 45, it is recommended to give priority to critical illness insurance, medical insurance and accident insurance. Seniors over the age of 60 can replace critical illness insurance with cancer insurance.

How to buy insurance

For friends aged 0-20, you can choose critical illness insurance, medical insurance and accident insurance first

How do I buy insurance for someone under 20 years old? In the first 20 years of life, in the period of physical and mental growth and development, illness is inevitable, so it is necessary to have a medical insurance to reimburse high medical expenses; In addition, there will be more accidents in the child's growth stage compared to the age of other stages, so you can consider purchasing an accident insurance; Of course, it is also essential as a critical illness insurance that is more cost-effective the sooner you buy.

If you are between 20 and 30 years old, you can choose critical illness insurance, accident insurance, medical insurance, etc

How do you buy insurance in your 20s? 20 years old 30 years old, has reached the age of their own responsibility, at this time the body is young, the spirit is good, most of them start from 0, leave their parents to start living independently, they don't have much savings, in case of a serious illness, it is even more bankrupt, so it is recommended to buy critical illness insurance + one-year accident insurance + million medical insurance, the total cost will not be too expensive, short-term accident insurance is dozens of dollars a month, it can be considered, friends who meet this age group can see the senior sister beforeWhich is better for 20-year-olds to invest in business insurance

You can take a look at this article.

Insurance recommendations for people aged 30-50 include critical illness, life, accident and medical insurance

What are the benefits of buying insurance, and what kind of insurance is suitable for you in your 30s? At this time, buying insurance is more for your family than yourself. The probability of middle-aged people's illness is increasing rapidly, but it is the most important economic ** of the family, and they often can't fall, so critical illness insurance and medical insurance can provide adequate protection for illness; If the breadwinner of the family falls due to an accident, accident insurance and life insurance can buy peace of mind for the future of yourself and your family.

However, it is okay for people over the age of 45 not to buy critical illness insurance and life insurance, after all, it is no longer cost-effective to buy at this time. Friends who meet this age group can watch before the senior sisterWhat are the benefits of buying insurance, and what kind of insurance is suitable for you in your 30s?

For how to choose a suitable and cost-effective insurance, the key is to choose the right insurance product.

"I have just turned 20 years old, what insurance products should I buy when buying insurance?"Comparison table of 136 popular critical illness insurances in China (including the detailed list of insurance for each age group).

For those who have just turned 20 years old, it is more suitable for critical illness insurance, medical insurance and accident insurance. There are also many good insurance products on the market, such as Versailles Plus Critical Illness Insurance, Darwin No. 7 Critical Illness Insurance, Pacific Medical Care, etc., which are more suitable for our 20-year-olds to buy. Here's a plan for young people, remember to bookmark it:

How can young people buy insurance? In this configuration, the premium is cut in half!

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

In the forefront, don't be attached to any company when buying insurance, only the product is king. Nowadays, the pressure on young people is increasing, they know how to plan for the longer term, and their insurance awareness is constantly improving, but they need to improve their ability to identify, and there are many insurance products, so it is not easy to choose the right insurance for themselves, so I made a 20-year-old insurance allocation strategy.

Young people mainly face these problems:

1) I don't have much awareness of saving money, and I am used to spending money lavishly, even if I work, it is only for a short time, and the economic foundation at this time is relatively weak.

2) Irregular life and rest, facing marriage problems, all kinds of superimposed pressures are very high, such as vascular diseases, hypertension, stroke, cancer, acute myocardial infarction and other major diseases are very high.

The analysis shows that at this age, it is necessary to choose the insurance with comprehensive protection for the disease, 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.

** Take a look at this diagram first:

The analysis shows that the ** of critical illness insurance is getting higher and higher as the age increases, and if you don't buy it early, once you suffer from a minor illness, there are some things that can no longer be bought, and the sooner you buy critical illness insurance, the better.

Here's a list to refer to:

2.Accident insurance

You only need about 100 yuan to buy an accident insurance with an insurance amount of hundreds of thousands of dollars to protect accidental disability and death, young people can buy it with a small budget, you can give priority to the configuration of accident insurance and additional accident medical treatment, for young people, you can buy accident insurance with sudden death protection.

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 it is acceptable without a high budget.

But you can't buy indiscriminately, after all, there are too many products and the quality is uneven, you can refer to:

For 20-year-olds, senior sisters recommend giving priority to purchasing protection insurance such as critical illness insurance, million medical insurance and accident insurance.

1. Critical illness insurance.

Due to the fast-paced lifestyle and poor living habits, critical illnesses are also showing a trend of younger people, and it is necessary for 20-year-olds to allocate a critical illness insurance. Critical illness insurance is a benefit-type insurance, and the claim money can be used to pay ** expenses, or to make up for the loss of income during the illness, or as living expenses and subsequent recuperation expenses.

If you want to know what cheap and good price critical illness insurance is available, you can check out this article: Recommended for 20-year-olds, top 10 cheap and good price critical illness insurance** points!

2. Million medical insurance.

Million medical insurance can reimburse reasonable and necessary medical expenses within the specified range, which is relatively leveraged, and low premiums leverage high insurance amounts. Under normal circumstances, a 20-year-old young man can buy millions of medical insurance with an annual premium of only a few hundred yuan.

3. Accident insurance.

In addition to health risks, accident risks are also something that 20-year-olds need to pay attention to. Accident insurance usually provides coverage for accidental death, accidental dismemberment, and accidental medical treatment, which can help transfer the financial risk caused by accidental injury. Moreover, the accident insurance is relatively cheap and will not cause too much financial burden.

Xueba talks about insurance, focusing on insurance product evaluation! At the age of 20, I don't have much money in my hands, and I don't want to spend money to treat a minor illness, if I unfortunately encounter a major illness, it is difficult to face it aloneDesigned for 20 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, they know how to plan for the longer term, and their awareness of insurance is constantly improving, but they need to improve their ability to identify, and there is insurance information everywhere, and it is not easy to choose the right insurance for themselves, so I vomited blood and integrated a 20-year-old how to configure insurance.

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, facing many problems, and pressure from all sides, many major diseases such as vascular disease, hypertension, stroke, etc. have become a high incidence among young people.

According to the above analysis, it can be seen that young people should choose some insurance that protects high-incidence diseases but is relatively low, and can be equipped 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 covers critical illnesses, moderate and mild illnesses, and many young people cannot afford a large amount of critical illness**, so a critical illness insurance is very useful.

Look at this picture about:

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As you get older, you can't afford to buy critical illness insurance, and the sooner you buy critical illness insurance, the better.

2.Accident insurance

The amount of accident insurance is only about 100 yuan, which protects accidental disability and death, and young people can buy it with a small budget.

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 a year only needs a few hundred yuan, which is acceptable without a high budget.

But you can't buy indiscriminately, after all, there are too many products and the quality is uneven, you can refer to:Designed for 20 years old! Top 10 Million Medical Insurance Points Worth Buying in 2020! 》Hope!