How do 30 year old men buy insurance? How to buy insurance for men over 30 years old

How do 30-year-old men configure insurance?

If a 30-year-old man has a sufficient budget, he can consider taking out critical illness insurance, medical insurance and accident insurance, and if he is also responsible for the family, he can allocate another life insurance.

1. Critical illness insurance.

Critical illness insurance is used to cover critical illnesses, and if the insured suffers from the illness specified in the insurance contract and meets the conditions for claims, the insurance company will pay the corresponding insurance benefits.

Many 30-year-olds are still the breadwinners of the family, and once they fall ill, the normal life of the whole family may be greatly affected, so critical illness insurance can be given priority, with comprehensive protection and considerable insurance compensation.

A comparison table of 136 popular critical illness insurances in China.

2. Medical insurance.

Medical insurance mainly reimburses hospitalization medical expenses, usually as long as the medical expenses incurred by hospitalization, can be reimbursed, for example, 30-year-old people are hospitalized due to illness or accidents, most of the expenses incurred can be reimbursed.

The latest top 10 million medical insurance rankings are newly released!

3. Accident insurance and life insurance.

Accident insurance is mainly to protect the insurance caused by accidents, for example, if the insured dies due to an accident, the beneficiary can receive corresponding compensation, which is also necessary for the 30-year-old family breadwinner.

Life insurance is mainly for death, but it covers a wider range of death, whether the insured dies due to an accident, illness or other circumstances, the beneficiary can basically be compensated.

Finally, the insurance applicable to different age groups is different, and blind purchase may be a waste of money, see here for the specific insurance plan:

How to buy insurance for different age groups? Everyone should have their own plan.

When buying insurance for men around the age of 30, they should first consider accident insurance, then health insurance, and finally pension insurance.

1. Accident risks are everywhere, once a man around 30 years old is out of insurance, it will be a heavy blow to himself and his family, and it will cause a certain economic burden, so it needs to be matched with accident insurance. The sum insured is generally recommended to be 5 to 10 times the annual income, which can ensure the financial stability of the family for at least 5 years in case of unfortunate accidents.

Men around the age of two have more pressure on their daily work and life, and their health problems are quite concerning, so they also need to buy a suitable health insurance, especially critical illness insurance. The amount of the pretending beard can be appropriately increased early, or the insurance should be increased, generally not less than 300,000 yuan. From the perspective of annual payment method, you can consider choosing to pay the annual fee for 20 years, so that the annual premium is not expensive.

This is basically affordable for ordinary working families.

Men around the age of about need to consider endowment insurance after improving the basic security, so that they can give themselves a happy life in their old age in the future.

Generally speaking, 30-year-old men are more suitable for critical illness insurance, medical insurance, accident insurance and life insurance. After all, at the age of 30, most of them are slowly taking on the financial responsibilities of a family, and the risk of accidents and diseases is relatively large. Want to know what insurance is suitable for us to buy at the age of 30?

Take a look at this article:Which insurance is suitable for you when you are about 30 years old?

First of all, if you want to buy insurance, you must be clear about the contract terms of the insurance product, so that you can find an insurance product that better meets your own situation and needs. For example, the protection content, payment period, waiting period, health notice and so on of the insurance product are more important.

Take the content of insurance as an example, the content of protection is different for different types of insurance. However, the more complete the coverage of the product, the better it will be for us. For example, when we choose critical illness insurance products, in addition to whether they include the basic benefits of critical illness, moderate disease and mild illness, we should also look at whether it provides protection for high-incidence critical illnesses such as malignant tumors - severe multiple claims, cardiovascular and cerebrovascular secondary claims, and some good critical illness insurance products will also provide protection such as premium waiver.

Want to know what good critical illness insurance looks like? You can check it out here:A good critical illness insurance policy looks like this!

You've been lied to for so many years.

In addition, the 30-year-old group may also be a little unhealthy, after all, life is stressful, and there may be a lack of certain exercise. When we buy health insurance products such as critical illness insurance and medical insurance, there will be a health notice that needs to be carried out, which is equivalent to a threshold for us to insure. Therefore, it is better for us to choose a product with a more relaxed health notice, so that the probability of our insurance success may be higher.

Hope!

Men in their 30s should purchase critical illness, medical, life and accident insurance. I have compiled a collection of 30-year-old insurance products before, interested friends can take a look: Which insurance is suitable for you to buy at the age of 30?

Critical illness insurance is a payout type of insurance, and if the claim requirements are met, the insurance company will pay a lump sum of money. 30-year-old men are at the age of the old and the young, if a critical illness unfortunately occurs, it will cause a serious blow to the family, and the configuration of a critical illness insurance can solve the problems of ** expenses, income loss and so on. If you don't know which critical illness insurance to choose, you can refer to this list:

Top 10 Popular Critical Illness Insurance Points Worth Buying!

Medical insurance is a reimbursement type of insurance, which can usually reimburse reasonable and necessary medical expenses such as drug expenses, hospitalization fees, and surgery expenses, and it is relatively cheap for 30-year-old men to buy medical insurance, three or four hundred yuan a year.

Life insurance is generally to protect death or total disability, more suitable for the family breadwinner to buy, 30-year-old men are very necessary to buy, when unfortunately leave, the insurance company can pay a compensation to ensure that the normal life of the family is not affected. I have compiled for you the popular life insurance products on the market, from which you can choose from: Top 10 life insurance products worth buying!

Accident insurance is usually to cover accidental death or disability, but also to reimburse the medical expenses caused by accidents, accident insurance is also very cheap, more than 100 yuan a year there are hundreds of thousands of insurance amounts, 30-year-old men are also very necessary to buy accident insurance.

What insurance should men around 35 years old buy?

Brother Bao said insurance, focus on insurance evaluation! What is the best critical illness insurance for a 30-year-old? Only after comparing will you know! First of all, I would like to present to you a comparison table of popular critical illness insurance in China: an inventory of popular critical illness insurance companies that are "worth buying" from the top ten insurance companies!

30-year-old people, most of them have become the main pillar of the family, not only to support the family, but also to bear the heavy pressure of car loans and mortgages, and the pressure from work is also very large, any risk may make a family crumbling, so for people of this age, the top priority is to transfer the risk by buying insurance.

So what kind of insurance is suitable for people of this age? It is recommended to match these: critical illness insurance + medical insurance + accident insurance + term life insurance.

1.Critical illness insurance.

Nowadays, the disease has tended to be younger, and people in their 30s are also very likely to get seriously ill, and if they unfortunately suffer from a serious illness, it is equivalent to "the risk of the sky falling". Many serious illnesses take a lot of time, and the later expenses and lost work due to illness are also indispensable. Therefore, the first thing to do is to allocate a critical illness insurance for yourself.

2.Medical insurance.

People at this age should not only prevent serious illnesses, but also prevent minor illnesses and disasters that may occur at any time. Buying a million-dollar medical insurance can leverage millions of dollars a year for only a few hundred yuan a year to solve the part that cannot be reimbursed by medical insurance. It's not easy to buy a million medical insurance that suits you, in order to help you avoid lightning, I have compiled a list, if you are interested, you can take a look:

What are some good medical insurance recommendations? An inventory of the top 20 best-selling high-quality medical insurance in 2020.

3.Accident insurance.

We never guess who will come first tomorrow or the accident, and although this is a sentence that is about to be rotten, the truth is true. Accident insurance is a type of insurance that everyone should start with, and it is also very low. After all, if a person of this age accidentally has an accident, who will feed the family?

Therefore, accident insurance must be configured.

4.Term life insurance.

At this age, while supporting the elderly and raising children, you also need to repay the car loan and housing loan, in addition to protecting your personal health, you also need a death benefit. In the event of unfortunate death, it will be a heavy blow to both parents and wife and children, and buying life insurance can continue your responsibilities and at least provide a guarantee for your family's life.