How many years is the health insurance for young people?

Health insurance has a protection period, which can generally be divided into a lifetime and a protection period of 1 year, a guarantee of several decades or a specific age.

Ultra-complete! Everything you need to know about insurance is here.

So next, the senior sister will introduce to you what health insurance is, don't talk nonsense, go straight to the dry goods!

Health insurance is mainly divided into five categories: sickness insurance, medical insurance, loss of disability income insurance, nursing care insurance, and medical accident insurance.

The senior sister takes the critical illness insurance and the million medical insurance as an example to give you a science popularization and what are the benefits of buying these two types of insurance!

Critical illness insurance is a kind of benefit-type insurance, which is used to protect the insurance of critical diseases, such as cancer, cardiovascular and cerebrovascular diseases, if the insured suffers from the critical illness specified in the contract and meets the claim standard, the insurance company will settle the claim according to the agreed claim.

It is important to know that once a critical illness occurs, the patient will not be able to work for a long time, so he or she needs to make up for the loss of income in order to maintain the normal life of the family, and the sum insured of critical illness insurance can just be used to make up for this loss.

So what kind of critical illness insurance is worth insuring on the market? Senior sister will tell you in one article:

Top 10 Popular Critical Illness Insurance Points Worth Buying!

Million Medical Insurance is a kind of reimbursement insurance, which can reimburse the medical expenses incurred by the insured due to hospitalization due to illness during the protection period, and most of the medical expenses can be reimbursed through Million Medical Insurance, as long as it meets the coverage of Million Medical Insurance and exceeds the deductible.

In addition, there are many reimbursement scopes for million medical insurance that are not available in social medical insurance, such as targeted drugs, out-of-hospital special drugs, overseas medical treatment, etc., and many value-added services (such as advance payment services and green channels) are also not available in social medical insurance.

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The number of years you have to pay for health insurance can be determined according to your insurance needs.

Health insurance is divided into consumption-based health insurance and return-based health insurance. The premium of return-based health insurance is higher than that of savings insurance, which is suitable for people who buy insurance mainly from an investment perspective and have real financial means.

Consumer-based health insurance is usually paid once a year, while return-based health insurance is usually paid for a longer period of time, ranging from 5 years to 20 years. The payment of different types of spring insurance is different, and can be selected according to the actual needs of the parties. The payment of health insurance benefits usually consists of two parts: reimbursement of the insured person's living expenses when the insured person is unable to work due to short-term illness and the provision of medical services to the insured person.

There are three ways in which health care can be provided:

1. Fees are paid directly to the institutions that provide health care services;

2. The sick insured shall pay the medical expenses in advance, and then the insurance institution shall compensate for them;

3. Medical care services are provided directly by insurance institutions or medical facilities set up by **.

Generally, the payment period of health insurance can be paid in a single (1 year, 10 years, 15 years, 20 years). At the same time, health insurance is divided into consumption-based health insurance and return-to-return health insurance; Premiums vary depending on the type of insurance. Consumer health insurance is usually paid once a year, while return-based health insurance is usually paid for a longer period of five to twenty years.

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Generally speaking, one-year medical insurance is mostly consumption-based insurance, which is mainly used to provide short-term health protection for policyholders.

When developing a one-year health plan, families should prioritize family pillars, followed by children and the elderly. Adult men are often the breadwinners of the family, and when purchasing this type of insurance, it is necessary to make the sum insured sufficient, especially for critical illness protection, which is generally recommended to be at least 10,000 yuan. When purchasing one-year medical insurance, adult 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., and it is more cost-effective if the insured product contains these common diseases.

After the health insurance is configured for the adults, the health plan can be considered for the children.

Normally, one-year medical insurance for children can be divided into comprehensive health insurance with additional accident protection and specialized critical illness health insurance. If your child has already applied for a social card at school and can cope with the financial pressure caused by minor illnesses, it is recommended to purchase one-year critical illness health insurance for them, and pay special attention to the length of the waiting period when choosing this type of insurance. In general, the waiting period should not be too long or too short, and the days are appropriate.

In general, if you want to buy one-year medical insurance, it is recommended to follow the order of adults first and then children, and men and women need to pay attention to different emphases, and children need to be configured according to the situation.

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

Insurance awareness is indeed what society needs to have. Now there are many large and small insurance companies on the market, in fact, there are many insurance products, with a coverage period of one year, decades, life, etc., there are many kinds, this is not to follow the crowd, but to choose according to your own situation, pro in the choice to consider the following three points:

Consider what you need protection. Generally, common insurance liabilities are: death, critical illness, accidental disability, accidental medical treatment, disease medical treatment, etc., so it is necessary to consider which aspect of protection to focus on, and then choose insurance according to your own needs, or if you want more comprehensive protection, you can also buy a combination of insurance, main insurance + additional insurance (additional medical treatment, accidental injury, etc.).

Consider the reliability of the insurance company. There are more insurance companies on the market, and the seniority is relatively old, including Chinese Life Insurance, Ping An Insurance, and Pacific Insurance, but now there are many insurance companies that are also developing well, but remember, do not choose because the premiums of small unknown insurance companies are cheap, if we really buy a lifelong insurance, then whether small insurance can last so long is also worth considering.

Consider your own economic base. The premium of many insurance policies for a year is not low, and it takes 10, 20 or more years to pay, so if we feel that the premium is very stressful on our life when we buy it, we should consider this problem, because there are still many years of premiums to be paid, and who knows what the future will be? If the premium is not paid by then, resulting in suspension or forced surrender, there will also be corresponding losses.

When buying insurance, you must have your own ideas, there is no good or bad insurance, only suitable for yourself, don't just listen to the insurance salesman to say, choose the insurance that is not suitable for your own cost and expensive, you can compare and choose through the smart online comparison, hoping to find the most favorite insurance.

Health insurance is a big concept: it includes medical insurance and critical illness insurance.

If the financial ability allows, it is recommended to choose the form of critical illness insurance + million medical insurance.

If young people have unstable income, it is recommended to start with "million medical insurance" first;

If your income is stable, it is recommended to plan for "critical illness insurance" first;

Because of the young age, it is recommended to choose lifetime protection because the cost of insurance will be low.

Health insurance should generally be equipped with millions of medical insurance, a few hundred yuan a year for the young, and pay for one year of insurance. If you have a strong insurance concept, you also need to configure critical illness insurance, with a payment period of 15 or 20 years, guaranteed for life, and the amount of insurance can be 30-500,000 yuan, and the premium is about 3,000-5,000 yuan a year according to different insurance products.

Hello, there are two options for young people to buy health insurance: the first plan, if your economic level is average, you can consider a health medical insurance plan, that is, critical illness insurance + accident insurance + hospitalization medical allowance insurance. The second option, if your economic conditions are not bad and you want to take into account both protection and income, then choose a comprehensive protection plan, that is, accident insurance + participating insurance + additional critical illness insurance + allowance insurance.

In recent years, young people's risk awareness has become more and more obvious, and they also attach more importance to insurance. So how should young people buy insurance? If you haven't touched it before, you can take a look at this articleWhat are the best insurance plans for young people?

In most cases, young people do not have much savings, so it is better to choose some protection insurance first, such as these

1.Critical illness insurance

If you are unfortunate enough to suffer from a critical illness, not only will you suffer physically, but you will also have to bear the impact of high medical costs financially. Critical illness insurance is particularly important at this time, and the money for treatment and follow-up money are guaranteed.

If you want to buy some ** lower products, these are not bad"Top 10 Cheap and Good Price Critical Illness Insurance! 》

2.Medical insurance

For young people, study and work have brought a lot of pressure, and "the moon doesn't sleep, I don't sleep" There are also many people, because the consequence of this is not only hair loss, but also physical problems. Although it is said that it doesn't cost much to treat a minor illness, sometimes it is not a trip to the hospital that can be cured.

Since the insurance budget for young people is not very much, it may be more appropriate to buy a million-dollar medical insurance, as long as a few hundred dollars, there will be million-level protection, which is quite cheap. I have collected a few high-quality medical insurance policies, and I will share them here for your reference"Top 10 Million Medical Insurance Rankings Newly Released! 》

3.Accident insurance

Young people often run around, among which the road car comes and goes, accidents can happen at any time, what if it is really so unlucky to have an accident, so the protection of accident insurance is actually indispensable.

Accident insurance can be said to be the cheapest among these types of insurance! If you pay more than 100 in 1 year, you can have a good accident protection, like these are the accident insurance that is more popular among young people this year"In 2020, the most suitable accident insurance for young people is here".

On the whole, young people can focus on basic protection when buying insurance, and then increase their savings in the future, and it is okay to increase life insurance or financial insurance.

It is advisable to consider critical illness insurance with accident and hospitalization medical insurance, which is very comprehensive.

I don't know what you mean by suitability, you can say your needs and ask the insurance company to give you **, a few more insurance companies**, so that you can compare the **, and the comparison of product protection, and comprehensive consideration, you can buy a more suitable insurance!

It is more appropriate to buy critical illness insurance, which is available in various insurance companies, so you can compare which one to buy.

Hello! The cost of health insurance is mainly related to the following three factors:

1. Age: The younger the better;

2. Payment period: the annual burden is small if the number of years is large, and the annual burden is heavy if the number of years is small;

3. Coverage amount: The higher the insurance, the more premiums there will be.

If you are worried about high premiums, there are many consumer-based health insurance policies on the market, at most one or two thousand per year, which is more suitable for your situation.

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