What insurance should a 48 year old woman pay?

Hello! Currently, there are many insurance products on the market, and each of them has its own advantages, as long as you take out insurance according to your needs. When a 48-year-old woman buys insurance, she can consider critical illness insurance, accident insurance, endowment insurance, etc. The specific plan is as follows:

Women are basically in the stage of "old and young", family responsibilities are heavy, and they are facing the ubiquitous risk of accidents, so they give priority to accident insurance, the premium is not expensive, the insurance amount is very high, and they can get better protection.

Women are often the group with a high incidence of major diseases in all kinds of women, so they should pay attention to health protection, and they can buy a critical illness insurance, including female carcinoma in situ, breast cancer, cervical cancer and other diseases, in order to improve their own health protection Women should pay attention to the pension problems in the next few decades, so they should consider the future pension plan as soon as possible, and it is recommended to buy certain pension insurance to plan for their later life. There are many insurance products suitable for 48-year-old women on the Internet, you can come to compare and buy, so that there is a large space for choice, it is very convenient to apply for insurance, and you can also get at least 15% discount.

If you have high blood pressure and have a hospitalization record, it is difficult to buy, so if the sum insured is lower, go through the underwriting first, and buy it as soon as possible, the older you are, the higher the premium.

If you already have high blood pressure, commercial insurance generally does not cover it, and you have to surrender the policy.

Have the financial strength to buy an accident and a serious illness.

Accident insurance is very cheap, pay for 1 year, insurance for 1 year, the lowest grade is only about 200 yuan.

It's a bit late to buy critical illness insurance at the age of 48, and it's very expensive (buy it after the age of 50, all require a physical examination and qualify) about 9,000 a year, 20 years, 250,000 yuan, and a lifetime insurance (only 6,000 a year at the age of 30).

I don't have much money, so I can buy accident and cancer insurance.

Accident is the same as above.

Cancer prevention, pay about 2,500 a year, pay for 20 years, protect 390,000, and protect for life (but only pay for cancer) Extended reading: [Insurance] How to buy, which is good, teach you to avoid these insurance"pits"

This can be paid for domestic insurance or commercial insurance. The basic pension insurance for employees cannot be paid, because Feng Li is too old. Resident insurance can be paid in a lump sum, and although the pension is less according to the high-grade pension, it should still be able to provide basic protection.

You can also pay commercial endowment insurance, and commercial endowment insurance does not have too many restrictions on age, so you can participate in commercial endowment insurance. For example, dividend-paying universal commercial insurance, as well as annuity insurance, these can be.

The basic endowment insurance and employee endowment insurance cannot be paid, because this must be paid for 15 years. If you are 48 years old and add 15 years, you should be 63 years old, so it is not suitable and not cost-effective. And this age group is not allowed to participate in social security.

If it is a male, it should be okay, because after 15 years, it will be 63 years old. In general, men retire at the age of 60. It is possible to extend the contribution for five years, so it is also possible to retire at the age of 63.

Female cadres are 55 years old and can retire from the bank for a long time, and they will be 60 years old if they are extended, but you are 48 years old for more than three years, so you should not be able to participate in the insurance.

For many 48-year-old female friends, they are still the economic pillars of the family, both old and young, and bear the heavier economic responsibilities of the family, so for friends of this age, it is more appropriate to buy critical illness insurance, million medical insurance, accident insurance, and term life insurance.

For those who don't know about these types of insurance, you can take a look at this article first: What is the difference between critical illness insurance, medical insurance, accident insurance, and life insurance? Will there be a conflict when making a claim?

1. Critical illness insurance.

Critical illness insurance mainly provides protection for the diseases agreed in the policy, and the claims of critical illness insurance are mainly used to make up for the loss of income during our illness.

The cost of critical illness is not low, often hundreds of thousands, which is difficult for most ordinary families, it is difficult to come up with such a large amount of money at once, so it is more important to configure critical illness insurance.

During the insurance period, if the insured suffers from an illness as agreed in the policy and meets the claim requirements, the insurance company will pay the corresponding insurance benefits as agreed.

2. Million medical insurance.

Million medical insurance is mainly used to reimburse the expenses incurred by our illness and hospitalization, and compared with medical insurance, million medical insurance has a wide range of reimbursement and a high amount.

There are also many million-dollar medical insurance products on the market that contain value-added services such as "Green Pass for Medical Treatment" and "Advance Payment of Drug Expenses" to provide convenience for everyone to see a doctor.

3. Accident insurance.

Accident insurance mainly covers personal injury caused by external, sudden, unintentional and non-disease events.

Anyone who goes out can fall and fall and get into other accidents, so it is important for everyone to have an accident insurance.

4. Term life insurance.

For many 48-year-old female friends, they are still the breadwinners of the family and bear part of the family's economic responsibilities.

It is not you who buys term life insurance to protect yourself, but your family, so that your family's life can go on in the event of misfortune.

Should a 49-year-old woman pay for dermatogram insurance?

Hello! At present, there are many insurance products on the market, each of which has its own advantages, and it is cost-effective for you to insure according to your own needs. When a 49-year-old woman buys insurance, she can consider critical illness insurance, accident insurance, endowment insurance, etc. The specific plan is as follows:

Elderly women are basically in the stage of "old and young", family responsibilities are heavy, and they are facing the ubiquitous accident risk, so they give priority to accident insurance, the premium is not expensive, the insurance amount is very high, and they can get better protection.

Elderly women are often the group with a high incidence of various female major diseases, so they should pay attention to health protection and can buy critical illness insurance, including female carcinoma-in-situ, breast cancer, cervical cancer and other diseases, to improve their own health protection.

Women should pay attention to the pension issues in the next few decades, so they should consider the future pension plan as soon as possible, and it is recommended to purchase certain pension insurance to plan for their later life.

Hello, it's not too early to buy insurance at the age of 48, if you are healthy, you can also buy some critical illness insurance, and after the 50th birthday, you can also add some special cancer insurance for people aged 50-75, both consumer and saving.

What kind of insurance to buy at the age of 48, it is certain that the rate is not dominant, as long as you want to buy, don't pay special attention to the cost performance, only relatively.

For accident insurance, there is no age limit, because accidents are not related to age, only to occupational characteristics. The rate is the same as that of young people, this type of insurance is not lifelong, and it is usually terminated automatically at the age of 70, and the insurance company no longer underwrites it because of the great risk.

So for pension insurance, although your age is not dominant, but it is still better than young people in terms of savings, so you can consider short-term investment to increase the base of investment to help yourself make arrangements for retirement and retirement.

Extended reading: [Insurance] How to buy, which is better, the hand preparation bureau will teach you to avoid these insurance"pits"

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 Shanghui or Baohe Social Security, 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), including cooperative medical insurance, 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 to slip before the army, after all, it is adults who pay the relevant fees for children.

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

It is recommended to participate in social security first, social security is the most basic protection, it is necessary to participate, and then it is necessary to buy some commercial insurance to supplement, you can consider the first choice to consider accident insurance, then women's health insurance, and finally you can consider endowment insurance.

1. Accident insurance is a protection type of insurance, the premium is not expensive, the insurance amount is very high, and if there is disability or death caused by accidental injury, it will be compensated. When housewives apply for accident insurance, they should focus on products with accidental burn and disability protection. Because when living at home, gas may be the first and household appliances may catch fire due to short circuits, and these unexpected risks are beyond our control.

2. The unique physiological function of women determines that women are more likely to suffer from serious diseases than men, such as breast cancer, cervical cancer, ovarian cancer and other diseases have been recognized as fatal diseases with a high incidence of life. Due to many factors such as environmental pollution, competitive pressure, accelerated work rhythm, and lifestyle changes, the incidence of ** diseases among Chinese women has advanced by 10 years, showing a significant upward and younger trend, so a specific women's health insurance is particularly important.

The old woman has gradually entered the old age, at this time it is necessary to buy an endowment insurance for yourself, and as a housewife, there is no work income, and there will be no unit to buy insurance for it, and now buy an endowment insurance for yourself to make your old age life after the age of 60 guaranteed.

Finally, I remind you that you can't buy insurance blindly for yourself, choose insurance rationally, and choose the most suitable insurance for yourself taking into account your actual situation and family economic situation.

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