What insurance is suitable for a 36 year old woman to buy, health and cancer prevention

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 those who are growing up, you should choose critical illness insurance, medical insurance and accident insurance for those aged 0-20

How do I buy insurance for someone under 20 years old? Before adulthood, in the period of physical and mental growth and development, it is inevitable to get sick, so it is necessary to configure a medical insurance; In addition, there are more accidents in the child's growth stage than in other stages, so it is also necessary to have accident insurance to prevent accidental disability or death; Of course, it is also essential as a critical illness insurance that is more cost-effective the sooner you buy.

How do you buy insurance in your 20s? 20 years old 30 years old, is already an adult who can be independent, at this time the body is young, the spirit is good, parents also hope that you work hard at the same time, pay attention to the body, but once the accident occurs, it is also very good to have certain economic conditions to resist, so it is recommended to buy critical illness insurance + one-year accident insurance + million medical insurance, the premium is actually quite cheap, 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 beforeHow can people in their 20s buy reliable insurance?

You can take a look at this article.

For people between the ages of 30 and 50, critical illness insurance, life insurance, accident insurance, and medical insurance are recommended

How to buy reliable business insurance for your 30s? At this time, buying insurance is more for your family than yourself. Middle-aged work pressure and life pressure are very high, and the probability of illness is naturally very large, 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 sisterHow to buy reliable business insurance for your 30s?

For how to buy the right insurance without spending money in vain, the key is to choose the right insurance product.

"What insurance is suitable for a 36-year-old woman to buy, health and cancer prevention"Comparison table of 136 popular critical illness insurances in China (including the detailed list of insurance for each age group).

Critical illnesses include cancer, combined medical insurance, Cheonan's Love Cube covers minor and critical illnesses, and life allowance returns.

A 36-year-old woman is basically in the stage of "old and young", with heavy family responsibilities and her own ever-present accident risks. At this time, it is often the stage of high incidence of various major female diseases, and it is time to think about your pension in the next few decades. Therefore, 36-year-old women can consider purchasing critical illness insurance, accident insurance, and endowment insurance.

There are many insurance products suitable for 36-year-old women on China Merchants Cigna Online, you can come to compare and buy, so that there is a large space for choice, and it is very convenient to apply for insurance.

Generally speaking, it is more appropriate for a 36-year-old woman to purchase critical illness insurance, medical insurance, accident insurance and life insurance.

Regarding the difference between these four types of insurance, the senior sister has a detailed explanation in this article, and interested friends can take a look:What is the difference between critical illness insurance, medical insurance, accident insurance, and life insurance? Will there be a conflict when making a claim?

At present, the probability of critical illness is high, especially for some women who have high orders or withered critical illnesses, such as breast cancer, cervical cancer, etc., which seriously threaten the personal health of female friends, so it is necessary to configure a critical illness insurance as soon as possible, because critical illness insurance mainly protects critical illnesses, and can pay an insurance payment when the insured suffers from a critical illness and meets the conditions for claims, so that the insured can use it for **, so as not to fall into the dilemma of "returning to poverty due to illness".

Here the senior sister has also compiled a list for you, which is worth starting with critical illness insurance for female friends, if you don't know which critical illness insurance is better to buy, you may wish to take a look:Inventory of the top 10 critical illness insurance that women are worth buying!

In addition, most of the 36-year-old female friends have a family, not only to be busy with work on weekdays, but also to take care of the family, at the end of the day, the rest time is relatively small, sometimes even can not eat on time, in the long run, the body is prone to some diseases, therefore, you need to buy yourself a medical insurance in case of emergency, with medical insurance, when sick, in line with the provisions of the contract can be reimbursed.

Also, accident insurance protects accidental injury, and we all know that accident risk is everywhere in life, and the occurrence of accidents is unpredictable, so accident insurance is also essential for 36-year-old female friends.

Finally, if a 36-year-old female friend is in the position of the breadwinner of the family, then it is necessary to allocate another life insurance. Life insurance mainly protects the death of total disability, and after taking out life insurance, even if something unfortunate happens, you will have the opportunity to receive compensation, so that you or your family can live your daily life normally.

Top 10 Life Insurance Worth Buying! Hope.

Hello! When buying insurance at the age of 36, you need to choose according to your actual needs, but generally speaking, you should give priority to improving social security, and then consider commercial insurance such as accident insurance, health insurance, and endowment insurance. Here's how:

1. Of course, consider social security first, which is often universal, suitable for a wide range of people, involving pension and medical care, etc., which is a basic security, it is necessary to do it in advance, professional or non-professional 36-year-old people can participate in insurance.

2. Accident risk is the most common risk factor, so 36-year-old people must first buy accident insurance. Due to the heavy family burden that 36 people need to bear, it is necessary to appropriately increase the amount of accident insurance when choosing accident insurance, to ensure that once the loss of income capacity, it is advisable to maintain 80% of the income level in the next 5 to 7 years, and the general accidental death insurance amount is recommended to be about 200,000 yuan.

It is common for people to work under pressure, go out to socialize, work overtime and stay up late, and their own health problems are becoming more and more prominent, and most of them are in a "sub-health" state. Therefore, 36-year-olds should also have health insurance. When a 40-year-old man buys health insurance, he should make sure that the amount of insurance is sufficient.

At present, the average cost of critical illness is about 100,000 yuan, so the insurance amount of 100,000 yuan to 200,000 yuan is more moderate, and it is best not to be less than 100,000 yuan. In addition, when choosing health insurance, 36-year-old women need to pay special attention to women's special diseases, such as breast cancer, cervical cancer, ovarian cancer, female carcinoma in situ, systemic lupus erythematosus nephritis, etc., to see if the products purchased contain these women's special diseases.

The family and work tend to be stable, and special consideration should be given to the future pension problem, and it is recommended to choose a commercial pension insurance in order to give yourself a happy and happy life in old age.

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

Let's start with a simple question: For 36-year-old women to buy insurance, it is recommended to consider buying critical illness insurance, million medical insurance, life insurance and accident insurance.

First, the risk that 36-year-old women need to consider is the risk of disease, and it is recommended to take out critical illness insurance and million medical insurance to deal with it.

Critical illness insurance is mainly for the agreed critical illness, and the insurance company will pay a lump sum insurance payment if the agreed claim is met; The important thing is that this critical illness insurance benefit is not limited.

Million medical insurance is mainly based on the reasonable and necessary medical expenses incurred by the insured due to illness**, which is reimbursed on a proportional basis; It is to provide financial security for the insured's ** process.

These two types of health insurance can provide sufficient protection for the health of 36-year-old women. After all, in recent years, the incidence of many female diseases has gradually increased, especially breast cancer, which has become the most common cancer in the world.

Inventory of the top 10 critical illness insurance that women are worth buying!

Also, considering that most of the 36-year-old women have already married and need to take on family responsibilities; Especially in dual-income families, women also bear the responsibility of the breadwinner's breadwinner.

Then, it is more necessary for 36-year-old women to buy a life insurance.

Because the main role of life insurance is to know each other as a standby "second family economic pillar", in case a 36-year-old woman dies, her family can at least rely on the death insurance benefits paid by life insurance to continue to maintain a normal life.

When it comes to life insurance, if you have friends who want to take out insurance, you can click on this article to take a look before applying for insurance:Top 10 Life Insurance Worth Buying!

Finally, there is the risk of accidents, because the accident itself can not be ** and other characteristics, it is also worth considering taking some measures to reduce the losses caused by the accident risk.

Moreover, the premium required for a 36-year-old woman to buy a short-term accident insurance is not expensive, generally more than 100 yuan per year, which is quite cost-effective. Hope.

Arnold answered:

Hello! It is recommended to improve the most basic medical insurance or rural cooperative medical care first. The commercial insurance you buy should complement your existing coverage.

Then choose a person you trust, and help you sort out your family's existing social insurance, as well as your family's income, expenses, liabilities and your expectations for the future, so that your thinking will be clearer! A tailor-made insurance package will also be more suitable for you, after all, insurance is designed to last you and your loved ones for the rest of your life!

A good insurance plan should meet the following points:

1. Take into account the financial needs in the event of accidental disability, accidental death, death from disease, medical expenses, incapacity for work, and old age;

2. Meet the needs of reasonable tax avoidance and investment;

3. Relatively sufficient insurance amount and appropriate insurance premium;

4. Consider not only the current security needs, but also the future needs appropriately.

To buy insurance for your 36-year-old wife, you need to take out insurance according to your wife's actual protection needs. In addition to cancer protection, this product will also give double payout for specific high-incidence cancers such as breast cancer, cervical cancer, ovarian cancer, etc.

It can be guaranteed for 10 years after paying for 5 years, and it is a very cost-effective product.

It's up to you to see what you need. First of all, analyze what insurance you have. There should be seven insurance policies in a person's lifetime.

The first is: accident insurance policy, the second is: critical illness medical insurance policy, and the third is:

Pension insurance policy, the fourth is: life insurance policy to protect wealth, the fifth is: children's education and accident insurance policy, and the seventh is:

Value-added policies for legacy inheritance.

If you want to buy a commercial insurance for yourself, you should consider whether to provide for your own pension or give yourself a guarantee, which really has different commercial insurance for different needs.

Social security is five insurances and one housing fund, if you have a unit, it is more cost-effective to pay, if there is a unit, the unit out of a part, so it is more cost-effective. If you don't have a unit, you have to bear all the costs yourself, which is relatively stressful.

If you feel that you are not in good health now, and you are afraid of burdening your family in the future", then I suggest you buy yourself a protective commercial insurance - buy an accident insurance and critical illness medical insurance policy. And it is important to know that commercial insurance can only be purchased on the premise of having a healthy body. Therefore, if you want to buy commercial insurance to protect yourself, the younger you are, the better.

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