What insurance do I buy now when I m 27 and what insurance do I buy when I m 27?

Xueba talks about insurance, focusing on insurance evaluation! Before a 27-year-old friend buys insurance, you can read my article:What kind of insurance is suitable for 27 years old? 》

The age of 27 is a better age to buy insurance, with generally higher physical fitness, more types of insurance products to choose from, and cheaper premiums. So, I'm going to introduce you to what kind of insurance is right for you at this age.

1.Social health insurance.

Social health insurance is what we have to buy first. As we all know, social medical insurance is a benefit given by the state, and in order to respond to the call of the state, everyone actively cooperates with the purchase of medical insurance. Social medical insurance advocates the purchase of the whole people, so it is also close to the people.

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 first, lung cancer is a high-incidence cancer in the elderly, and now it is beginning to show a trend of younger people, and the youngest of the patients is more than 10 years old. The incidence of lung cancer in the 35-year-old population has accelerated, and the incidence of lung cancer in men is higher than that in women.

Therefore, critical illness insurance is not just for middle-aged and elderly people, so don't think that your body is still healthy and you are lucky. 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.

Some people think that commercial medical insurance and social medical insurance can choose one or the other, but there is actually a certain difference;

In layman's terms, commercial medical insurance complements social medical insurance. If you go to the hospital with a cold and fever, social medical insurance can certainly cope with it; However, if you have a serious illness, and the social security only reimburses 40% of the medical expenses, the rest of the medical expenses must be borne by yourself, and the 60% of the medical expenses are not a small expense;

Then the role of commercial medical insurance is also reflected: it reimburses the remaining expenses of social medical insurance, which can alleviate the economic pressure caused by medical expenses.

I recommend giving priority to buying millions of medical insurance, mainly because it is cheap, only 100 yuan, and you can get millions of insurance amounts. Moreover, its insurance content is relatively comprehensive, such as surgery fees, examination fees, drug fees, etc. are included.

4.Accident insurance.

Everyone is equal in the face of accidents: at the age of 27, you may encounter traffic accidents, accidents such as accidental falls and injuries on the road; Buying an accident insurance for yourself is also a peace of mind, not to mention that the accident insurance is only one yuan a year. Hope!

Take a 27-year-old woman as an example:

1. PICC Health - Caring for Specialists Regular Critical Illness Personal Illness Insurance.

Payment period: 20 years.

The insurance amount is 100,000 yuan, the insurance period is 20 years, the annual premium: 430 yuan, and the following protections are enjoyed:

1. Critical illness (31 types) insurance: 100,000 yuan.

2. Death insurance: 100,000 yuan.

2. Rayford - personal hospitalization medical insurance (first year premium of 408 yuan) is guaranteed to be renewed after three consecutive years of insurance;

Extensive coverage covering 1056 types of surgeries;

The renewal age can reach the age of 70;

Insurance Benefits: Basic Part Optional Part.

Grade: General inpatient intensive care unit, major disease, organ transplantation, surgical treatment.

Subsidized hospitalization allowance, hospitalization allowance, insurance subsidy, insurance subsidy, insurance subsidy.

The second gear: 100 yuan, 400 yuan, 200 yuan, 120,000 yuan, 6,000 yuan.

3. New China Life - Term Life Insurance Section A.

The insurance amount is 200,000 yuan, the insurance period is 20 years, the payment period is 20 years, and the annual premium is 220 yuan

1. Death insurance: 200,000 yuan.

2. Disability insurance: 200,000 yuan.

Fourth, accident insurance: Huatai - peace of mind insurance A.

Each copy of paragraph A is 120 yuan, and each person is limited to 3 copies.

Per Insurance Benefit:

1. Death due to aircraft accident Disability: 400,000.

2. Death due to train or ship accident Disability: 200,000.

3. Accidental death and disability: 100,000.

4. Accidental medical expenses: 3,000 yuan (90% compensation after 50 yuan deductible) 5. Accidental burns: 100,000 yuan.

6. Accidental injury hospitalization allowance: 30 yuan a day (3 days deductible, up to 90 days) 7. Accidental fracture insurance: 1500 yuan.

Normally, 27-year-olds can consider purchasing critical illness insurance, million-dollar medical insurance, and accident insurance.

It is important to know that young people are also at risk of serious illnesses and accidents. Like staying up late for a long time, I broke my body and suffered from a serious illness. It is possible to get involved in a traffic accident on the way to and from work.

Therefore, it is necessary for 27-year-olds to purchase appropriate insurance to avoid the financial risks caused by the above situations.

27-year-olds can consider purchasing critical illness insurance, million-dollar medical insurance, and accident insurance.

Like accident insurance, it mainly provides protection for accidental death, accidental disability, and accidental medical treatment. Medical expenses incurred as a result of an accidental injury may be reimbursed on a pro-rata basis through Accidental Chiropractic Insurance with Accidental Medical Coverage, if eligible. In the unfortunate event of death, you can also leave a sum of money for your family.

At the age of 27, I recommend configuring and purchasing: social security + critical illness insurance + medical insurance + life insurance + accident insurance.

It is wiser to buy insurance at the age of 27, in general, the physical fitness is relatively high, there are many types of insurance products that can be bought, and the premiums will be relatively cheap. So let me tell you what kind of insurance you should buy at this age.

1.Social Attack Medical Insurance.

We must first buy social health insurance. As we all know, social medical insurance is a national welfare, and it is recommended that everyone actively purchase social medical insurance. Social medical insurance advocates the purchase of the whole people, so it is also close to the people.

2.Critical illness insurance.

Among commercial insurance, the most worthwhile purchase is critical illness insurance products. First of all, let's take a look at the following set of data, lung cancer is a cancer with a high incidence in the elderly, and now it is beginning to show a trend of younger people, and the youngest disease is only about 10 years old. After the age of 35, the incidence of lung cancer rises rapidly, and the incidence is higher in men than in women.

It can be seen that the rejuvenation of the disease reminds us that everyone needs to buy critical illness insurance with a source key, so don't take chances and pay attention to your body. It is wise to purchase critical illness insurance as early as possible.

3.Commercial medical insurance.

Some people think that commercial medical insurance and social medical insurance can choose one or the other, but in fact, there is an essential difference between the two;

It can be said that the two are complementary. If you go to the doctor for some minor problems, then it is enough to use social medical insurance; If you are unfortunate enough to have a serious illness, and social security can only reimburse 40% of the medical expenses in the secondary hospital, then the remaining 60% is undoubtedly paid by yourself, which is not a small amount of money

Then the complementary role of commercial medical insurance comes: it reimburses the remaining expenses of social medical insurance and then reimburses, which can greatly alleviate the economic pressure caused by medical expenses.

It is advantageous to buy millions of medical insurance, the main reason is that millions of medical insurance** is close to the people, and you only need hundreds of yuan a year to enjoy millions of insurance amounts. Moreover, its coverage is relatively comprehensive, such as surgery fees, nursing fees, etc. are included.

4.Accident insurance.

Accidents are unpredictable, and 27-year-olds may encounter accidents such as traffic accidents, accidental slips and injuries on the road; It is necessary to add an accident insurance, not to mention that an accident hail demolition insurance is cheap, as low as 100 yuan.

[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.

The insurance that should be bought at the age of 27 is these: critical illness insurance, medical insurance, and accident insurance, which can basically form a perfect personal protection, such as critical illness insurance is mainly suitable for resisting the economic risks caused by critical illnesses, and because it is generally a payment type, the insurance money paid by burying the allowance can not only be used as **, but also can be used in subsequent daily life, and accident insurance is mainly used to transfer the economic risks caused by unforeseen objective accidents. The products you should buy are all listed here:

Recommended for you at the age of 27, the top ten critical illness insurance points that you can buy!

Generally speaking, the 27-year-old group can buy a lot of insurance, but at this stage, we still tend to choose the type of insurance for Hu Youyu. Therefore, if it is a 27-year-old group, it is better to buy critical illness insurance, medical insurance, accident insurance and life insurance, which can give us comprehensive protection. Senior sister here also prepared an insurance strategy for the 27-year-old group, you might as well take a look:

Which insurance is suitable for you at the age of 27?

Heavy wide comic illness insurance, medical insurance, life insurance and accident insurance are all insurances that can be bought by 27-year-olds.

Insurances with financial management properties, such as annuity insurance and increased whole life insurance, can also be bought, but it is necessary to configure protection insurance such as critical illness insurance first, and then consider allocating financial products if the economic budget allows, otherwise it cannot fully cover the economic wind caused by diseases and accidents. Finally, the senior sister presented a 27-year-old insurance strategy, which can help you buy the right insurance, less detours and be cautious: which insurance is suitable for you at the age of 27?

At the age of 27, you can buy critical illness insurance, medical insurance, accident insurance, life insurance, etc., which is a very good age to buy insurance. I would like to share with you a product review: recommended to you at the age of 27, the top ten critical illness insurance points worth buying!

Dig a hole in the gear.