A 26 year old unmarried woman with a monthly income of 3000 5000, what is the most suitable insuranc

A 26-year-old unmarried woman is advised to buy critical illness insurance, medical insurance and accident insurance. The specific amount of insurance to purchase can be selected according to your actual situation. Let's talk about why you buy these kinds of insurance.

1. Critical illness insurance.

Critical illness has always been lurking around us, we all know that the cost of critical illness is very expensive, and once unfortunately suffering from critical illness, it may face economic collapse. The role of critical illness insurance is to help us transfer the economic risk of critical illness, and when we unfortunately suffer from critical illness and meet the requirements of the insurance company, we can get compensation.

Considering that there are many critical illness insurance products on the market, the intimate senior sister has sorted out some cost-effective ones, and you can take a look if you need them: recommended to you at the age of 26, the top ten cheap and well-priced critical illness insurance points!

2. Medical insurance.

Medical insurance can be used to reimburse reasonable medical expenses and reduce the cost of daily medical care.

3. Accident insurance.

We can't ** tomorrow or the accident which comes first, so buy accident insurance, when we suffer an accident injury and meet the provisions of the insurance contract, we will get compensation, so as to transfer the economic risk caused by the accident to us. Moreover, the premium of accident insurance is cheap, which is very suitable for young people with a small budget.

Finally, I would like to tell you that buying insurance is related to our own interests, so we should carefully read the insurance contract when buying, so as not to damage our interests. If you don't know what to pay attention to when reading an insurance contract, you can take a look at this article: teach you to identify the pitfalls in the insurance contract!

Buying insurance is like buying clothes, you have to buy the most suitable one, if you are interested, you can contact me to design a suitable insurance product for you for free (Ping An Insurance), and finally say that women should take care of themselves the most, and they are the biggest capital.

Hello! At present, there are many insurance products on the market, and for you at the age of 28, accident insurance, health insurance, and life insurance are all very suitable products. The details are as follows:

1. Accident risks are everywhere, and once there is an accident, it will be a heavy blow to yourself and your family, and it will cause a certain economic burden. To do this, you need to buy the right accident insurance to hedge against risks. If you frequently travel by various means of transport, you should choose a comprehensive accident insurance; If you are the breadwinner of your family, the sum insured should be set at about 10 times your annual income.

2. Disease has become a major killer of human beings, so it is necessary to buy health insurance, especially critical illness insurance. 28-year-old men are in the rising period of work, most of them are in a sub-health state, a suitable medical insurance and critical illness insurance is very necessary to buy, the amount of insurance should be fully recommended at 100,000 yuan to 200,000 yuan. When purchasing medical and critical illness insurance, 28-year-old women should pay special attention to women's special diseases, such as breast cancer, cervical cancer, etc., and check whether these common female critical illnesses are covered when purchasing critical illness insurance.

3. Choose the right life insurance product under the condition that the above basic protection is comprehensive, so that you can better assume the obligations and responsibilities to the family. At present, there are two main types of life insurance in the market, one is whole life insurance, and the other is term life insurance, where the former covers life but the premium is more expensive, and the latter does not provide lifetime protection, but the premium is cheaper. For those with average financial conditions, it is best to consider term life insurance, while those with better financial conditions should consider whole life insurance.

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

This is a participating insurance.

The dividends of insurance companies are based on the profitability of each insurance company, which is dispensable and has obvious uncertainties.

The principle of purchasing insurance is based on social insurance, and it is better to add appropriate commercial insurance as a supplement.

The expenditure of its insurance costs is generally about 10---20% of the annual income, and it is best not to exceed 20%, that is, to use 10% of the funds to preserve 100% of their assets.

For each of us, we should consider health insurance. Directly speaking, as people age, their body's resistance is inversely proportional, and their ability to resist related risks is relatively weak.

Therefore, you must first consider medical insurance, whether it is commercial insurance or social insurance, and then consider other insurance products, so that it makes sense. If you are not healthy, it is impractical to have more pension insurance.

It is recommended that you first purchase the social security launched by the state (preferably if the unit comes forward to purchase it), such as cooperative medical insurance for rural households or urban residents for urban residents, and then consider commercial insurance as a supplement.

Here, I know that in this industry, there are three recognized sentences that say this: "brand in life", "Ping An talents" and "Xinhua products".

Finally, it should be noted that the principle of insurance application is as follows:

1) Buy insurance first to buy medical health, health can ensure that customers have everything.

2) Buying insurance is light on words and heavy on contracts, life insurance is generally a lifelong contract, and you can become lifelong happiness if you buy it well, otherwise it will have a great impact.

3) Insurance products need to have the function of maintaining and increasing value, and the current standard of living is increasing day by day, and must be able to curb inflation.

4) Buy insurance first adults and then children, if adults are not protected, no matter how much insurance children have, it is meaningless, after all, it is adults who pay for children.

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

Brother Bao said insurance, focusing on insurance product evaluation! At the age of 22, the economic foundation is relatively weak, in order to save money and minor illnesses do not see a doctor, and if you encounter a major illness, you don't have the courage to face it.

First of all, buying insurance is buying a product, not buying a company, and if this doesn't work, you can change it. Nowadays, young people are under more and more pressure, 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 it is difficult to distinguish insurance information, so it is not easy to pick the right insurance for themselves, so I stayed up late to make such a 22-year-old insurance program.

Young people mainly face these problems:

1) I haven't worked for a long time or even haven't worked, I haven't thought much about saving money, and I won't be frugal when I spend money, and the economic foundation at this time is relatively weak.

2) Busy work and fast pace of life, facing the problem of marriage, all kinds of superimposed pressure is very large, and there is a high probability of suffering from vascular disease, hypertension, stroke, cancer, acute myocardial infarction and other major diseases.

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 major diseases are gradually getting younger. Critical illness insurance covers critical illnesses, moderate and mild illnesses, and the cost of critical illness** is unaffordable for most young people, and a critical illness insurance protection is also needed at this age.

Let's take a look at this comparison chart first:

The analysis shows that the age of critical illness insurance is getting higher and higher, if you don't buy it early, once you suffer from a minor illness, you can't buy it if you want to, and the sooner you buy it, the better.

Here's a list to refer to:

2.Accident insurance.

Accident insurance only needs about 100 yuan to have hundreds of thousands of insurance amounts, to protect accidental disability and death, young people with a small budget are suitable to buy one, and you can configure accident insurance before buying other insurance, for young people, it is best to have additional sudden death protection.

3.Million Medical Insurance.

Million medical insurance is mainly to reimburse hospitalization, and there are many excellent medical insurance 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, and there is no need to be afraid if the budget is not high.

Hello! For a 26-year-old woman with an annual income of 30,000 yuan, she should focus on accident insurance and health insurance before choosing life insurance. The specific description is as follows:

1. A 26-year-old woman with an annual income of 30,000 yuan has a weak ability to resist risks, so it is important to purchase appropriate accident insurance. If you are a young woman working in an office, the probability of an accident is small due to the stable working environment, it is recommended to purchase personal accident insurance with an accidental death insurance amount of more than 100,000 yuan. If you are a salesperson, because you often run out of business, the risk of accidents is greater, so when choosing personal accident insurance, it is better to have a higher accident insurance amount and with public transportation accident insurance, the accidental death insurance amount is recommended to be set at more than 300,000 yuan, and the aircraft accident insurance amount is better than 1 million yuan, otherwise it will lose the meaning of insurance.

2. According to the survey, staying up late, irregular eating habits, lack of physical exercise, etc. have seriously affected the physical health of 26-year-old female friends, and many people are in a "sub-health" state. Therefore, it is recommended that a 26-year-old female friend purchase a health insurance policy appropriately. At the time of purchase, be sure what you cover and see if it includes a daily hospitalization benefit.

In addition, if a 26-year-old female friend wants to get critical illness protection, it is recommended to purchase a single consumer card product to obtain the triple basic protection of accident, medical and critical illness at a lower **.

3. On the basis of perfect accident and health protection, you can buy a life insurance to better protect your life. At present, the main life insurance products on the market are: term life insurance and whole life insurance.

For a 26-year-old female friend with an annual income of 30,000 yuan, the premium of whole life insurance is expensive, so you may wish to choose a term life insurance with low premiums and comprehensive protection.

Hello, many products of insurance companies, such as traditional health, accident, pension and other insurance products are suitable for women to choose, and many insurance companies have launched special women's insurance products for women. Female consumers must be selective and find the right type of insurance for them. For women, their roles change as they age, and their needs for insurance vary depending on their age.

Huatai Women's Cancer Insurance.

Allianz Health Cancer Insurance Plan