What insurance should a young woman buy?

Generally speaking, women should first buy a suitable accident insurance for themselves to protect their personal safety;

secondly, it is necessary to consider more targeted health insurance to pass on the economic risks caused by diseases;

Finally, if the basic protection is in place and conditions permit, you can buy a suitable term life insurance policy to help you compulsively save.

In recent years, young people's risk awareness has become more and more obvious, and they also attach more importance to insurance. So what kind of insurance is better for young people? If you don't know, let's take a look at this articleWhat are the best insurance plans for young people?

Under normal circumstances, young people's incomes are not very high, and it is recommended to consider the following protection products first:

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 a financial impact on the large amount of medical expenses. Critical illness insurance is particularly important at this time, and the money for treatment and follow-up money are guaranteed.

The following critical illness insurance is not bad at cost performance, friends can take a look first:

If you need a little more affordable critical illness insurance, you may wish to check out these options"Top 10 Cheap and Good Price Critical Illness Insurance! 》

2.Medical insurance

For young people, the pressure of study and work is also quite high, and there are many people who are still surfing the Internet late at night, and this is accompanied by the possibility of hair falling out more and more, and the physical fitness may also become weaker, and the number of illnesses is more frequent. You may think that it is just a small illness and a small pain, and it doesn't cost a few dollars, but the cost of treatment this time and again is not an insignificant amount.

Due to the economic characteristics of young people, you can first consider buying a million-dollar medical insurance, and you can get million-level protection as long as you pay a few hundred yuan a year, which is quite cost-effective. Recently, I have summarized the millions of medical insurance that have been relatively popular, and you can take a look at everything you want to know"Top 10 Million Medical Insurance Rankings Newly Released! 》

3.Accident insurance

Young people have to commute, go on business trips, etc., but they are really prone to accidents on the road, and no one can say which person the accident will happen to, so they still need an accident insurance to escort them.

It's not very expensive to buy an accident insurance policy! Maybe as long as you spend hundreds of dollars a year on insurance premiums, a good accident protection will be in hand, such as these are quite good"In 2020, the most suitable accident insurance for young people is here".

In general, the focus of young people buying insurance is to first configure the basic protection, and then allocate other high-cost protection when their savings increase later. Hope!

Women bear many responsibilities that men can't share, and due to the difference in physiological structure, female friends are also relatively disadvantaged. Women also have many high-risk diseases, such as breast diseases, cervical diseases, ovarian diseases, etc. Therefore, when allocating insurance, it is important not to mention the issue of women's insurance.

In addition to health insurance, life insurance and accident insurance are also very necessary to prepare, so how to allocate insurance for women? Check out this guide"How to buy insurance for adult women? 》

Women's health insurance includes: commercial medical insurance, critical illness insurance, and women's exclusive insurance (women-specific cancer insurance, women's exclusive illness insurance, etc.).

1. What should women pay attention to when buying insurance?

1.Medical insurance must be a must-have.

Medical insurance is a national welfare, the threshold for participation is very low, regardless of age, you can participate in insurance, and you can take out insurance with illness.

The role of medical insurance is to reimburse medical expenses to a certain extent and bring basic medical protection to the insured.

Moreover, many commercial insurance will restrict social security, and the reimbursement ratio of buying social security is higher than that of not buying social insurance.

2.Protect before you manage your finances.

When buying insurance, you should focus on protection, first configure the protection insurance, and then consider buying wealth management insurance.

3.Don't choose the wrong insurance because of **.

To buy insurance, we still have to return to the original intention, we buy protection instead of discounts.

Don't buy insurance that doesn't suit you because of a momentary budget.

Second, the dad summary

Modern women are shouldering more and more responsibilities, so women's health is also becoming more and more important. In response to market demand, some insurance companies have specially designed some exclusive products for women, bringing very intimate protection.

So, what kind of insurance is suitable for women?

1.Accident insurance

Accidents are everywhere, and accident insurance is used to resist the risk of accidents, in our lives, if there is an accident insurance to escort us, then our life road will be smoother.

2.Critical illness insurance

Critical illness insurance covers the contracted illness, and if the insured suffers from the contracted illness and meets the conditions for claiming, the insurance company will pay a lump sum of the contracted insurance benefits.

When purchasing critical illness insurance, women should pay attention to whether women's high-incidence critical illnesses, such as breast diseases, are covered.

3.Term life insurance

The role of life insurance is that when the insured unfortunately dies and becomes completely disabled, the insurance company will pay a lump sum of insurance money, which can be used as the family's subsequent living expenses to ensure that the family's quality of life will not change much due to the fall of the economic pillar.

Nowadays, most girls are responsible for the financial burden of the family, so it is necessary for women to buy a term life insurance.

4.Medical insurance

Medical insurance can reimburse the medical expenses incurred by the insured due to illness and hospitalization, which can reduce the financial burden of the family to a certain extent.

Whether you are a man or a woman, as long as you are alive, you will definitely face the situation of being sick and hospitalized, so it is necessary to purchase a medical insurance.

Daddy concluded:

In general, when women buy health insurance, they should pay attention to whether the protection liability covers women's high-incidence diseases.

In recent years, young people have become more and more adept at preventing risks, and many people are actively asking about insurance. So what kind of insurance can be bought for young people? If you don't know too much, you can take a look at this analysis firstWhat are the best insurance plans for young people?

According to the general situation, young people's income is not very high, it is recommended to consider the following protection products first:

1.Critical illness insurance

If you are unfortunate enough to suffer from a serious illness, not only will you have to suffer a lot of physical suffering, but you will also be tormented if you can't afford medical expenses and have no money for treatment. If you can have the compensation paid by critical illness insurance, you can not only have money for treatment, but also be afraid of delaying work and no income.

If you want to buy cheaper products, you may want to check out these ones"Top 10 Cheap and Good Price Critical Illness Insurance! 》

2.Medical insurance

Nowadays, most young people are under the pressure of studying and working, and many people like to stay up late, which may lead to the possibility of hair falling out more and more, and the body will also be abnormal. Although it is said that it doesn't cost much to treat a minor illness, the decimal is afraid of a long plan, and the number of illnesses is too much, and the cost is a lot.

Based on the fact that young people's savings are not much, I recommend giving priority to the million-dollar insurance, as long as a few hundred dollars, there will be million-level protection, which is worth it. Here are a few million medical insurance that are selling very hot this year, if you want to know more, you can read this article directly"Top 10 Million Medical Insurance Rankings Newly Released! 》

3.Accident insurance

During the rush hour of commuting, there is always a lack of young people, among which the road cars come and go, accidents may happen at any time, and everyone has the possibility of encountering accidents, 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 models, which are relatively good for young people"In 2020, the most suitable accident insurance for young people is here".

Generally speaking, young people can first focus on basic protection when buying insurance, and when they have more money at their disposal in the future, it is okay to increase life insurance or financial insurance.

Arnold answered:

Hello! What kind of protection do young women need most? First of all, accident insurance, because "there are unforeseen circumstances in the sky, people have good and bad luck", and no one knows what will happen tomorrow or the next moment. Accident insurance can effectively transfer risk when it comes.

The second is medical insurance, now there are basically social security or new rural cooperative medical care, we can first do these most basic and affordable medical insurance, and then supplement some commercial medical insurance, so that the combination is more perfect, basically can solve most of the medical expenses of major and minor diseases.

If you still have extra savings, you can also buy some investment-based dividend insurance, because the current inflation is very strong, although the money in the bank also has interest, but that interest can not keep up with the pace of inflation; In the insurance company, its income is higher than that of the bank, which can maintain and increase its value, effectively resist inflation, and can also avoid taxes, which can be said to be a relatively stable way of investment and financial management. And some products also have the function of pension, which is very good, and it can be said that it kills multiple birds with one stone.

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 insuranceFor those under the age of 20, it is recommended to take out critical illness insurance, medical insurance and accident insurance

How do I buy insurance for someone under 20 years old? Before adulthood, in the period of physical and mental growth and development, coupled with the younger age of the disease, it is not strange to have a little illness and pain on the body, so it is recommended to configure a medical insurance, which can be used to reimburse medical expenses; In addition, there will be more accidents in the child's growth stage compared to the age of other stages, so it is quite a cost-effective choice to configure 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 in the youth stage (20-30 years old), choose critical illness insurance, accident insurance, and medical insurance

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, good spirit, although there is a good physique, at the same time the resistance to risk is also insufficient, an accident may cost a house money, so it is recommended to buy critical illness insurance + one-year accident insurance + million medical insurance, in fact, it does not cost a few dollars, short-term accident insurance is dozens of dollars a month, it can be considered, in line with this age group of friends can see the previous answer of the senior sisterHow to buy critical illness insurance in your 20sYou can take a look at this article.

Critical illness insurance, life insurance, accident insurance, and medical insurance are important for those in their 30s and 50s

How can people in their 30s buy reliable insurance? At this time, buying insurance is more for your family than yourself. When people reach middle age, their physical health is declining, but the pressure is increasing, critical illness insurance and medical insurance can provide adequate protection for illness; If you are unable to continue to be the breadwinner of your family due to an accident, accident insurance and life insurance can buy peace of mind for the future of yourself and your family.

It is recommended that friends over the age of 45 can not buy critical illness insurance and life insurance, because the premiums at this time are relatively expensive and unnecessary. Friends who meet this age group can read the previous answer of the senior sisterHow can people in their 30s buy reliable insurance?

For how not to be fooled by ** people, if you want to buy cost-effective and reliable insurance, the key is to choose the right insurance product.

Comparison table of 136 popular critical illness insurances in China (including the detailed list of insurance for each age group).

First of all, it is necessary to determine the type of insurance and avoid risks.

Insurance is used to avoid risks, although young single women may not have to bear the responsibility of providing for the elderly at home for the time being, but at present, there are two main risks: one is the risk of personal accidents, and the other is critical illness. When a risk occurs, it is the parents who are affected in turn.

Therefore, when young single women plan insurance for themselves, they must first improve these two parts of protection.

Prioritize accident insurance.

The general accident insurance premium is relatively low, dozens of dollars of premium has hundreds of thousands of insurance amounts, more economical, and accidents are often unpredictable, once the risk occurs, although it can not comfort them mentally, at least can leave some pension money for parents.

How to buy personal accident insurance? It is recommended that when purchasing accident insurance, you can purchase additional insurance for accidental injury medical treatment together with the main insurance, so as to compensate for some medical expenses caused by accidents.

Critical illness insurance + medical insurance can also be bought as soon as possible.

The special physiological structure of women has increased the risk of women suffering from some major diseases, and now the prevalence of major diseases is also showing a younger trend, with data showing that in 2015, women accounted for 61% of major disease claims due to cancer, and men accounted for 39%. Young single women can take advantage of their youth to buy critical illness insurance, with relatively low premiums, and with critical illness insurance, they can pass on the high cost to the insurance company and make their lives as stable as possible.

Medical insurance as a compensatory type of insurance can be purchased with critical illness insurance, in addition, the reimbursement scope and proportion of medical insurance may be larger than that of social security, now single women are under greater pressure in all aspects, easy to get sick, medical insurance can compensate part of the medical expenses, alleviate part of the economic losses caused by medical expenses.

After single women improve these two parts of protection, if the financial ability is okay, there is a sufficient premium budget, you can also buy a life insurance and pension insurance, when misfortune occurs, life insurance plays a role, and the family can also receive a part of the benefit, providing some protection for their future life. Pension insurance is equivalent to financial management, you can plan for your retirement in advance to ensure that your retirement life is not discounted.

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