Insurance for women around the age of 20 stimulates demand

Xueba talks about insurance, focusing on insurance product evaluation! 20 years old is a very weak economic age, in order to save money and minor illnesses do not see a doctor, more afraid of encountering a major disease, I can't face it at all, in order to solve this problem, I have compiled this comparison table:Designed for 20 years old!

Comparison Table of 136 Popular Critical Illness Insurance in China

First of all, buying insurance is buying a product, not buying a company, and if this doesn't work, you can change it. Nowadays, the pressure on young people is increasing, and they begin to plan their own future, and their awareness of insurance is constantly improving, but their ability to distinguish is still poor, and there are many insurance products, so it is not easy to choose the right insurance for themselves, so I made a 20-year-old strategy to buy insurance for myself.

Young people mainly face these problems:

1) The working hours are very short, I usually don't like to save money, and I don't spend money in moderation, so the economic foundation at this time is relatively weak.

2) Working hard and urgently meeting the expectations of the family, facing the problem of marriage, all kinds of superimposed pressure are very great, and many major diseases such as vascular disease, hypertension, stroke, etc. have become a high incidence among young people.

It can be clearly seen that this age has specific needs for protection, but it cannot be too expensive, and it can be configured with accident insurance + critical illness insurance + million medical insurance.

1.Critical illness insurance

According to WHO data, 75% of the population in China is in a sub-health state, and young people are more likely to suffer from certain major diseases than the elderly, and young people are gradually susceptible to major diseases. Critical illness insurance covers critical illnesses, moderate and mild illnesses, and the cost of critical illness** is unaffordable for most young people, so it is still necessary to buy a critical illness insurance.

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

It can be seen that as the premium of critical illness insurance increases with age, if you unfortunately get a minor illness when you hesitate, there is no way to buy it again, and the sooner you buy critical illness insurance, the better.

If you don't know how to choose, you can look at this hot list:Designed for 20 years old! Top 10 Critical Illness Insurance Points Worth Buying in 2020! 》

2.Accident insurance

Hundreds of thousands of accident insurance only need about 100 yuan, to protect accidental disability and death, young people can buy a small budget, you can configure accident insurance before buying other insurance, for young people, it is better to have accident insurance with sudden death.

3.Million Medical Insurance

Million medical insurance mainly reimburses for hospitalization, and many excellent medical insurance also comes with a green channel for medical treatment, which can provide proton heavy ions**. As long as two or three hundred yuan a year, there is a reimbursement amount of several million, even if the budget is not high, it is acceptable.

There are many products, to find the one that suits you take a look here:Designed for 20 years old! Top 10 Million Medical Insurance Points Worth Buying in 2020! 》

Thanks for reading, hope!

Do you need insurance or what?

If you need to buy it, what problem do you want to solve through insurance?

With the development of society and economy, the dual pressure of women's life and work is becoming more and more serious, and the demand for insurance has become more and more obvious among contemporary women. For ordinary women, they have to go through the stages of "entering society, getting married, having children, being stable, and retiring". Therefore, whether it is a white-collar worker or a housewife, women should have different risks to consider at different ages and in different situations.

20-year-old women: Most women in this age group have just entered the society and their income is not very high, so they can consider critical illness insurance with low premiums but good protection. In addition, consider purchasing health, accident and term life insurance, which can account for about 8% to 10% of your income.

30-year-old women: When women reach this age, they may face more and more work pressure and life pressure, so it is recommended to increase medical protection appropriately on the basis of purchasing accident insurance. In addition, women who already have children can also consider taking out education insurance for their children.

40-year-old women: Women around the age of 40 have a stable family life, their children are growing up slowly, and their economic situation is relatively good.

Pregnant women in special periods: Pregnant women should buy insurance as soon as possible, because the health risk of women during pregnancy is relatively high, so the threshold for insurance is also very high. Maternity and baby insurance usually requires the mother to be insured before the baby is 28 weeks old.

It is recommended that women should consider purchasing maternity and child insurance and women's insurance with additional maternity and child insurance during the pregnancy preparation period.

Women of different ages have different economic incomes and risks, so it is scientific and reasonable to configure their own protection according to their needs at different stages. Dad also wrote an article on insurance knowledge before: "The correct insurance posture will teach you how to insure in a few minutes!"

a.Risk of accidents and critical illnesses

The risk of accidents for single women going out is very high, so it is necessary to configure accident insurance.

Million Medical Insurance is a reimbursement insurance that covers hospitalization medical expenses, and can be well protected against major risks.

b.Critical illness insurance should be included as an important option

For single women under the age of 30, the premium** of this age group can be more comprehensive protection if the premium** is cheaper. If you have a sufficient budget, you can also directly apply for lifelong critical illness insurance.

c.Term life insurance is worth considering

If you have the pressure to support your parents and have good conditions, you can choose a suitable term life insurance to prevent untimely death and protect the quality of life of your parents.

Married women are a stressful stage in life.

Accident insurance, medical insurance, critical illness insurance, and term life insurance must be complete, and the more important the responsibility, the more important the protection plan must be.

As they age, their risk of accidental injury, illness and death increases dramatically.

In view of the above situation, the father has the following suggestions for women over 50 years old:

a.Choose Accident Insurance

Consumer-based accident insurance is cost-effective, and the probability of accidents in the elderly is relatively high, so it is recommended to choose.

b.Millions of medical insurance, if you can invest, you can invest

The maximum age of most million medical insurance plans on the market is 60 years old, and the policy can generally be renewed to 80 years old or above, so you can apply for insurance within this age range.

c.Critical illness insurance, depending on the budget to buy

If you have a sufficient budget and your age is not too big, then you can consider cost-effective products on the market.

d.A great alternative to cancer insurance, medical insurance, and critical illness insurance

If you are not eligible for medical insurance and critical illness insurance, you can choose cancer insurance.

In general, at different ages, you can choose products that are more suitable for you according to your insurance needs, and women should love themselves more in order to love others better.

Why do you want to inspire 20-year-old college students, they are not financially independent, don't look for college students.

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), including cooperative medical insurance, and then consider commercial insurance as a supplement.

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

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.

Xueba talks about insurance, focusing on insurance product evaluation! 20 years old is a very weak economic age, treating a minor illness feel expensive, encounter the most expensive critical illness, will be at a loss, in order to solve this problem, I made a comparison table of critical illness insurance that young people can afford:Designed for 20 years old!

Comparison Table of 136 Popular Critical Illness Insurance in China

The important thing to say first is to look at the product when buying insurance, and you don't have to choose from a certain company. Nowadays, the pressure on young people is increasing, and they begin to think more long-term, and their awareness of insurance is constantly improving, but young people's ability to identify is still not high enough, and there are many insurance products that are dazzling, and it is not easy to choose the right insurance for themselves, so I made a 20-year-old insurance method analysis for people of this age.

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) Working hard and urgently meeting the expectations of family members, many problems emerge, causing a lot of stress, and there is a high incidence of major diseases such as vascular disease, hypertension, stroke, cancer, acute myocardial infarction, etc.

It can be seen that young people need affordable but comprehensive protection for illness, which can be configured 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 young people are increasingly prone to major diseases. Critical illness insurance protects critical illnesses, moderate and mild diseases, and most young people cannot afford to pay hundreds of thousands of dollars for critical illnesses.

** Take a look at this diagram first:

Obviously, the later you buy critical illness insurance, the more expensive it is, and if you unfortunately suffer from a minor illness before purchasing, you may not be able to buy it, and the sooner you buy critical illness insurance, the better.

The list is presented:Designed for 20 years old! Top 10 Critical Illness Insurance Points Worth Buying in 2020! 》

2.Accident insurance

Buy an accident insurance with an insurance amount of hundreds of thousands of dollars as long as about 100 yuan to protect accidental disability and death, young people can buy it with a small budget, first buy an accident insurance as a basic protection, for young people, especially to buy accident insurance with 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**. Medical insurance that can reimburse up to several million yuan only costs two or three hundred yuan a year, which is acceptable even if the budget is not high.

If you want to buy medical insurance, you can't be sloppy, you can take a look at this list:Designed for 20 years old! Top 10 Million Medical Insurance Points Worth Buying in 2020! 》

Choose one with dividends, survival benefits, and regular insurance.

I don't know what kind of occupation you have, whether you have social security or not.

This combination is more comprehensive Xinli gives a survival fund every 2 years with dividends 80 years old regular both before 80 before the problem to 2 times the sum insured contract terminated 80 years old safe and secure to 2 times the sum insured contract termination you can provide for the elderly The above combination is more comprehensive Both manage the accident compensation, accidental medical reimbursement, disease medical reimbursement, critical illness compensation, and daily hospital allowance.

If you don't want which, you can also cancel it individually.

Those who have money buy investment-type ones.

The well-off buy healthy + dividend-paying type.

If you are 20 years old, you can buy pension + illness + dividends.

I helped buy pension + illness + dividends myself.

Recommend an insurance financial product, reinsurance while ensuring a stable higher return, I don't know if you are interested in further understanding, if you are interested in further ** with me.

Refund type of main insurance, medical treatment with insurance (hospitalization, outpatient, etc.).

Recommend New China Life, rich life.

It is cost-effective to buy dividends at the age of 20, and when you are old, you can have a single pension or in case of emergency. In addition, buying some medical care (main insurance or additional insurance) can be a good supplement to social security.

In the past, our company had one. Sales will be discontinued on May 30. I don't know if I can't get out of nine in the future. I'm the Pacific.

OK.

Product Name: Basic Sum Assured, Insurance Period, Premium Payment Period, First Year Premium.

Ping An Xinxiang Insurance (Participating) 20000 20 years 20 years 1884 yuan.

Xinxiang pays critical illness insurance in advance 20000 20 years 20 years 94 yuan.

Hospitalization medical insurance A 1 year, 189 yuan a year.

Additional accident insurance 100,000 yuan a year 140 yuan a year.

Accident medical insurance a 10000 a year 78 yuan a year.

Daily hospitalization medical insurance: 5 shares, one year, one year, 85 yuan.

Total: 2470 yuan.

Insurance benefits: 60,000 yuan for death or critical illness insurance, 160,000 yuan for accidental death, 1-100,000 yuan for accidental disability, a medical insurance for hospitalization expenses, and 10,000 yuan for accidental medical insurance. Hospitalization subsidy is 50 yuan a day. After 20 years of payment, the premium paid will be refunded (40,000 yuan will be returned in a fixed amount, and about 50,000 yuan will be returned in total with 20 years of cumulative dividends), and all insurance liabilities will be terminated.

Comments, 20-year-old woman, more than 2000 budget, this is a fairly complete plan. The only deficiency may be that the sum insured is low, after all, there is only a budget of 2000. In the future, when the economic conditions are good, you can add life-long insurance at any time.