I am a man who is 30 years old this year, how to buy Ping An Fu insurance

Xueba talks about insurance, focusing on insurance evaluation! How to choose the right critical illness insurance for yourself at the age of 30? Shopping around is the last word!

30-year-old people are the backbone of the family, the old and the young, and may also be burdened with mortgages and car loans, and the pressure of work is not small, any risk may lead to a crisis in the family, 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

At present, the occurrence of diseases is gradually getting younger, and people in their 30s should prevent the risk of serious illness, in case of unfortunate serious illness, it is equivalent to "the risk of the sky falling". Moreover, the time and energy spent on a serious illness is also a lot, and there are also expenses in the later stage and the cost of lost work due to illness must be considered. Therefore, critical illness insurance needs to be configured first.

Top 10 Critical Illness Insurance Points Worth Buying in 2020! 》

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. In order to let everyone avoid detours, I stayed up late to compile a list of super cost-effective millions of medical insurance, click on the article on the right to learn more:

Freshly baked! Millions of medical insurance points suitable for 30-year-olds

3.Accident insurance

You never know which will come first, the accident or tomorrow, although this is a sentence that is about to be rotten, but it is true. Accident insurance is a type of insurance suitable for men, women and children, and it is also very cheap. People at this age do not allow themselves to make any mistakes, and once an accident occurs, the responsibility of raising the family cannot continue.

Therefore, it is important to have an accident insurance in place.

4.Term life insurance

At this age, you not only have to bear the living expenses of your family, but also have to repay the high car loan and housing loan. In the event of unfortunate death, it is a heavy blow to both parents and wife and children, and buying life insurance can leave a minimum of financial compensation and give the family a guarantee when they can no longer continue to fulfill their responsibilities. Hope!

Xueba talks about insurance, focusing on insurance evaluation! What are the critical illness insurance products suitable for 30-year-olds? Compare and see!

As the main pillar of the family, 30-year-old people have to support their parents while raising children, and there are car loans and mortgages to repay, and the pressure from work is also very large, no matter what kind of risk occurs, it is a fatal blow to a family, so for people of this age, it is urgent to buy insurance to transfer risks.

So what kind of insurance is suitable for people of this age? The recommendations are as follows:Critical illness insurance + medical insurance + accident insurance + term life insurance

1.Critical illness insurance

Nowadays, diseases are getting younger and younger, and people in their 30s should prevent the risk of serious illness, if they unfortunately suffer from serious illness, for a family, it is 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. So, hurry up and configure yourself with a critical illness insurance protection.

There are many critical illness insurances on the market, and it is not easy to choose the right one, you can take a look at this article I organized:Designed for 30 years old! Top 10 Critical Illness Insurance Points Worth Buying in 2020!

2.Medical insurance

It is not enough for people at this age to buy critical illness insurance, but also to prevent minor illnesses and disasters that may occur at any time. Buying a million medical insurance, tens of premiums a month, and a few hundred yuan a year, can easily leverage millions of protections and solve the part that cannot be reimbursed by medical insurance. In order to avoid detours, I stayed up late to compile a list of super cost-effective million medical insurance, you can take a look:

Freshly baked! Millions of medical insurance points suitable for 30-year-olds

3.Accident insurance

We can never be surprised when it will come, and while this is a phrase that is about to be said to be rotten, it does make sense. Therefore, accident insurance should be the insurance that everyone needs, and it is not expensive. In the event of an accident at this age, who will take on the responsibility of raising the family?

Therefore, it is very important to have an accident insurance policy.

4.Term life insurance

At this age, while supporting your parents, you also have to raise children, pay off car loans and housing loans, and it is not enough to buy health insurance, but also death insurance. In the event of unfortunate death, it is a heavy blow to both parents and wife and children, and the role of life insurance is to leave a protection for your family when you are unable to fulfill your responsibilities. Hope!

The first is to budget your own premiums, which are generally between 5% and 15% of your annual income, depending on your financial status in the family. The second is the amount of insurance, critical illness is definitely a little higher, such as frequent driving, then the accident protection should also be a little higher. Finally, there is the additional insurance, depending on whether your employer reimburses medical expenses and whether you have purchased social security.

31 years old buy the right one.

The critical illness benefit amount is high, and the critical illness benefit will be paid immediately upon diagnosis.

Critical illness not only incurs high medical costs, but also causes business interruption due to a long period of time, affecting the economy. Ping An Fu Plan pays 100% of the basic sum insured upon diagnosis of critical illness, which can easily solve the critical illness benefit agreed in the contract for you and compensate for the loss of income.

Self-driving accident coverage is doubled and the coverage period is longer.

According to the characteristics of middle-class self-driving travel, Ping An Fu Plan tailors the insurance liability, providing double the sum insured for accidental injuries while driving or riding in a non-operating private car or public transportation, covering a full range of coverage. What's more humane is to extend the accident insurance liability to the age of 70, so that customers can enjoy protection for a longer time.

Expanded the scope of accidental disability benefits to 281 items.

For exclusive customers, the Ping An Fu Plan has expanded the assessment criteria for accidental disability from 34 to 281 for the first time, providing multi-level and multi-faceted protection to make care more comprehensive.

Stable guarantee for life, determine the benefits and resist risks.

Ping An Welfare Plan provides you with lifelong primary insurance and critical illness protection, and fights against uncertain risks with certain insurance benefits, so as to provide long-term stability and care for this life.

Exemption from protection shows care.

Enjoy the future with peace of mind.

Ping An Fu Plan also provides the policyholder with a premium waiver: when the policyholder dies or has a disability or critical illness agreed in the contract after the waiting period, the policyholder can be exempted from paying the remaining premiums during the waiver insurance period, ensuring that the contract is valid and the love and responsibility continue for a long time.

Hello, I, Li Chi, am safe.

We hope you can compare the products of other insurance companies with our products.

If your husband is in his 30s, he is at the age of 30.

Annual payment of about 8000 (premium calculated according to age) for 20 years.

The benefits that can be covered are:

Worth: 200,000 (money inherited after 100 years).

Critical illness benefit: 190,000 yuan (submit a hospital certificate to pay insurance benefits in advance) Accident protection: 200,000 yuan (double compensation for public traffic and self-driving accidents) Hospitalization medical treatment: the maximum amount of reimbursement per year is 45,000

Accidental medical treatment: 100 yuan deductible, the remaining full reimbursement (cumulative 30,000) Extended reading: [Insurance] How to buy, which is better, teach you to avoid these insurance"pits"

Payment period: 10 years, 15 years, 20 years, 30 years;

Insurance Period: Lifetime;

Age: 18-65 years old.

10 years, 15 years, 20 years: 18-55 years old.

30 years old: 18-45 years old.

Minimum Sum Insured Requirement:

Single payment: the minimum insurance amount is 500,000 yuan;

Non-single payment: the minimum basic sum insured is 200,000 yuan;

The surrender benefit is the cash value.

1. The best age to apply for commercial health insurance is around 25 years old. After that, the annual cost of insurance gradually increases, and when you are 55-60 years old, you don't need to buy health insurance anymore, because the cost of insurance is very high and there are many restrictions;

2. The best time to improve the family security system is around the age of 35. At this time, the family and career are in the rising stage, the family's solvency is gradually improving, and the responsibility of raising children and supporting parents is huge, and the cost of establishing a security system is relatively low, so it is the most ideal time to improve the family security system;

Insurance purchase order:

1. Protect adults first, children and the elderly later, because adults (intermediate power) are the insurance of children and the elderly!

2. Buy protection first, then buy financial management, because health is the key to everything!

3. Long-term payment of health insurance and short-term payment of wealth management insurance, because health insurance can be exempted from the function, and wealth insurance generally has a dividend function!

4. Insurance must be bought early and late, and it must be bought sooner or later; Buy more insurance and buy less, buy as much as you want!

5. Insurance is first of all charcoal in the snow, and then it is the icing on the cake!

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

Male or female, how much is it to keep.