Female, 39 years old, want to buy a health insurance with an annual payment of about 4,000 What is g

Xueba talks about insurance, focusing on insurance evaluation! It is best to give priority to buying critical illness insurance when buying commercial insurance, I have analyzed the more popular critical illness insurance in China, summarized some of their advantages and disadvantages, and if you are interested, you can take a look:"Comparison Table of 136 Popular Critical Illness Insurance in China".

To buy commercial insurance, you must choose the insurance product you need based on your age, physical fitness, family situation, income level, etc. Friends who are too lazy to look at the analysis and want to find the answer directly, you can look at this list that I have painstakingly sorted out:"Inventory of the Top 10 Critical Illness Insurance Worth Buying for Women!

At the age of 20-30 yearsThe vast majority of women have just come out of society and do not have much financial ability, so it is more suitable to buy critical illness insurance and accident insurance at this time. At this stage, the cost of buying critical illness insurance is not too high, and you can also choose to buy regular critical illness insurance, such as covering it until the age of 60, which is only about 1,000 yuan a year; Of course, you can also buy a lifelong critical illness insurance, you only need to buy a small amount of insurance, and a whole life critical illness insurance with an insurance amount of 100,000 is also about 1,000**. There are many critical illness insurance products, I have selected some critical illness insurance products that are suitable for this age group to buy, and it is recommended to take a look before buying critical illness insurance

"Great value! "Inventory of the Top 10 Critical Illness Insurance Worth Buying for Women! 》

The risk of accidents is very high when you are away from home, especially for young women, so accident insurance is a must. You can have accident insurance with tens of thousands of insurance dollars for a few dozen dollars, which is very cheap.

Females in 30-45 yearsMost of them have already started a family and are already bearing the expenses of the family, so at this time, you must buy critical illness insurance and life insurance. Of course, if you don't have most of the financial responsibilities for your family, you can buy a life insurance plan with a lower sum insured. However, the sum insured of critical illness insurance must be higher.

Because women of this age have a higher probability of suffering from major diseases such as cervical cancer and breast cancer, if you buy critical illness insurance, you can get a better ** when this kind of disease unfortunately occurs, and the insurance company pays it all at once.

Women over 45 years of ageIf you haven't taken out critical illness insurance, you should buy it as soon as possible. Because the maximum age period for purchasing critical illness insurance is in the range of 50-55 years old, it is too old to buy critical illness insurance, which is not only expensive but also difficult to buy. At the same time, there is also the purchase of large medical insurance such as million medical insurance, because women in this age group have poor immune function and are prone to illness, and large medical insurance can reimburse most of the medical expenses.

Here's a list of million-dollar medical insurance plans for people over the age of 45:"[Over 45 years old] super cost-effective million medical insurance ** points".

If you are interested, you can take a look.

Buying insurance is not as simple as buying cabbage, and the protection plan should be tailored to your actual situation. You pay about 4,000 yuan a year, and you can have major illnesses, accidental injuries, medical treatment, hospitalization, and hospitalization subsidies. In addition, you can enjoy annual dividends from the insurance company.

Peace evergreen and outwitting life.

I advise you to forget it, the healthy participating insurance can only get back a part of the premium, and there is no use for the elderly!

Health insurance can be divided into medical insurance, sickness insurance, disability insurance, and nursing care insurance. At present, the market is mainly dominated by medical insurance and illness insurance. Daddy suggested that we can buy medical insurance and critical illness insurance, which are very useful.

What insurance should a 40-year-old person buy, you can look at these products that I have screened"Staying up late to tidy up|Suitable for 40 years old, top ten cost-effective insurance ** points".

In addition to health insurance, accident insurance and life insurance can not be ignored when buying insurance at the age of 40, and some cost-effective health insurance and accident insurance products will be introduced next, you can continue to read:

Let's talk about the best insurance configuration for 40 years old: critical illness insurance + life insurance + medical insurance + accident insurance.

Why do you need to buy critical illness insurance?On the one hand, the 40-year-old is burdened with huge family responsibilities, as the financial support force of the family, if he falls down due to a serious illness, he will not only have to spend a lot of money during the period, but his work income is not guaranteed. The role of critical illness insurance is to transfer this risk, even if you unfortunately suffer from a critical illness, it will not collapse the family's economy!

On the other hand, the probability of suffering from critical illness after the age of 30 has increased significantly, 30 60 years old is the age group with a high incidence of critical illness, fortunately, the premium of 40-year-old people to buy critical illness insurance is not very expensive, if you come to buy it after the age of 50, it can be several times more expensive!

Why do you need to buy life insurance:In the same way as a critical illness, if the financial responsibility of the family dies, it will be difficult for the family to maintain the original standard of living. The role of life insurance is to continue love and responsibility, so that the family can live a better life.

At the age of 40, it is recommended to buy term life insurance, because the ** of fixed life is several times cheaper than whole life insurance, and it is more cost-effective!

Medical insurance is a supplement to medical insurance, medical insurance reimbursement is wider, some drugs that cannot be reimbursed by social security, it can, and medical insurance has many practical value-added functions, such as medical advances, medical green passes, etc. It is not expensive for a 40-year-old person to buy a good medical insurance for millions, like a good medical insurance for PICC, which only costs more than 200 a year, which can be said to be very affordable.

1. Critical illness insurance

It is a critical illness insurance, which refers to the commercial insurance behavior handled by the insurance company to pay the insurance money according to the insurance contract when the risk of specific critical diseases, such as malignant tumors, myocardial infarction, cerebral hemorrhage, etc., occurs when the insured reaches the critical illness status agreed in the insurance terms.

Top 10 Popular Critical Illness Insurance Points Worth Buying!

2. Medical insurance

Medical insurance, on the other hand, is mainly for medical insurance, because there are many aspects of our medical insurance that cannot protect us, and generally only 50% 70% of the reimbursement is made. Medical insurance, on the other hand, covers the cost of medications, medical equipment, and major surgeries, all of which can be reimbursed.

Medical insurance is mainly divided into million medical insurance and small medical insurance, and million medical insurance generally has a deductible of 10,000, but its reimbursement amount is very high. The deductible of small medical insurance is low or even zero, but its reimbursement amount is not as high as that of million-dollar medical insurance. Medical insurance, on the other hand, is much cheaper than other types of insurance and is suitable for all groups of people.

To sum it up:

Critical illness insurance is a compensation for disability income

After the occurrence of a critical illness, it is necessary to consider not only the huge medical expenses, but also the economic loss caused by the interruption of income**, as well as other expenses such as nursing fees and nutrition expenses.

Therefore, critical illness insurance can also be regarded as "loss of employment income insurance".

Medical insurance is a supplement to medical treatment for illnesses

Therefore, they are a complementary pair when it comes to health insurance protection, both are very important, and they are not replaceable for each other. Everyone faces different risks, so how should you buy insurance after knowing what your specific situation is? Here's a 40-year-old insurance recommendation:

Which insurance is suitable for you around the age of 40?

Critical illness insurance with an insured amount of 200,000 yuan is more appropriate. According to the level of expenditure, the cost of a major illness can range from 70,000 or 80,000 yuan to more than 100,000 yuan or even more. Therefore, a critical illness protection of not less than 200,000 yuan can bear the expenses in the future.

In general, it is best to set the premium at no more than about 10% of your annual income.

Judging from the above, if consumers want to buy health insurance at the age of 40, they should first choose critical illness insurance, because at this time, you are the financial leader of the whole family, so insuring a critical illness insurance for yourself is also providing a protection for the whole family. If conditions permit, you can also buy an endowment insurance for yourself, so that after retirement in old age, you can receive a monthly pension, so as to reduce the financial burden of your children.

Critical illness insurance must be the lower the fee, the higher the sum insured, the more complete the insurance liability, the better. It is better to also have a minor illness waiver for the insured. As for the company or anything, it's useless.

As long as the cost performance is high, it depends on whether you want lifelong, or fixed-term, consumption-based or return-based. Each of these has its own advantages and disadvantages, and the products available are also different.

There is no need to worry about insurance companies going out of business and claims. This "Insurance Law" has clear provisions. Don't worry about anything.

Articles 89 and 92 of the Insurance Law of the People's Republic of China make some provisions:

Article 89 of the Insurance Law: The insurance company needs to be dissolved due to division or merger, or the shareholders' meeting or the general meeting of shareholders is dissolved, or the reasons for dissolution stipulated in the articles of association of the company appear, and it shall be dissolved after the approval of the insurance regulatory authority.

Insurance companies engaged in life insurance business shall not be dissolved except due to division, merger or revocation in accordance with law.

When an insurance company is dissolved, a liquidation team shall be established in accordance with law to conduct liquidation.

Article 92 of the Insurance LawIf an insurance company engaged in life insurance business is revoked or declared bankrupt in accordance with the law, the life insurance contract and liability reserve held by it must be transferred to another insurance company engaged in life insurance business; If the transfer agreement cannot be reached with other insurance companies, the insurance company designated by the insurance regulatory authority to operate life insurance business shall accept the transfer.

If the transfer or the insurance regulatory authority designates to accept the life insurance contract and liability reserve provided for in the preceding paragraph, the legitimate rights and interests of the insured and the beneficiary shall be safeguarded.

Article 89 stipulates that in addition to division and merger, there is also a provision for the revocation of life insurance companies in accordance with the law, so Article 92 clearly stipulates that once the insurance company is revoked or declared bankrupt according to the law, there will be an insurance company to take over, which fundamentally solves the customer's worries, and which company is safe.

As for the speed of claims boasted by various insurance companies, as long as it is a legitimate policy, there is no problem, and the information submitted is complete, and the insurance law stipulates the time for claims, and the decision on the claim result should be made within 30 natural days.

Whole life health insurance has three major advantages over traditional health insurance.

The first is the lifetime guarantee. Most traditional health insurance policies can only be renewed up to the age of 65, after which the coverage will be terminated, and a large amount of medical expenses in a person's life occur in old age. After the customer applies for insurance, it is equivalent to establishing a "lifelong health insurance fund" for the insured, and he can enjoy the protection for life.

Secondly, the scope of protection is relatively comprehensive. This insurance provides medical coverage for death, critical illness, and hospitalization. Before and after hospitalization, there are outpatient benefits, emergency medical evacuation, discharge benefits, and death benefits; In hospitalization, there are daily hospitalization benefits, daily critical illness monitoring benefits, critical illness insurance benefits, major surgery insurance benefits, etc.

At the same time, the subsidy-type payment method is adopted, and in the event of an accident or illness that requires hospitalization**, you can get compensation, and all compensation is paid on the basis of a medical certificate, without invoice.

At the same time, if the medical expenses are not exhausted, the death benefit will be paid. If the amount of compensation received during the insured's lifetime medical treatment is less than the amount of insurance purchased by him (the sum insured must be greater than the premium paid), then the insurance company will pay the remaining amount of the "Lifetime Health Protection**" to the beneficiary when the insured dies.

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

1. Men pay for 25 years and women for 20 years.

If the cumulative payment period of basic medical insurance is 25 years for men and 20 years for women, they do not enjoy basic medical insurance benefits after retirement;

Individual contributions to pension insurance for at least 15 years can only receive a pension after retirement.

How much money to pay a year with a social security card depends on your own situation:

2. Social security payment = payment ratio * payment base:

1. The upper limit of the social security base is 3 times the average monthly salary of the on-the-job employees in the previous year, and the lower limit is 60% of the average monthly salary of the on-the-job employees in the previous year.

2. The proportion of how much money to pay for social security in a year.

Medical insurance: 8% for units and 2% for individuals;

Pension insurance: 22% for units and 8% for individuals;

Maternity insurance: the unit bears, the individual does not bear the payment;

Work-related injury insurance: the unit bears the responsibility, and the individual does not bear the payment;

Unemployment insurance: 2% for the unit and 1% for the individual.

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

Just started to pay social security Expert analysis: The overall security and financial planning of the family can refer to 24 words: accidents are everywhere, health is the top priority, education is prepared early, and reasonable planning for the elderly.

First of all, it is necessary to establish basic protection to meet the risk avoidance of accidental injury and health care. If there is a gap in national social security, commercial insurance is needed to make up for it. Expert Analysis:

It is generally recommended that the insurance amount for accidents should be about 10 to 15 times of the annual income, and the medical reserve should also meet the current needs for critical illness and income compensation - about 200,000 to 300,000 yuan. Before making a suitable plan, it is necessary to find out the protection gap of the family in combination with the existing social security, enterprise group insurance, etc., so as to seek a solution. In this brief introduction, it is necessary for customers who are new to insurance to conduct risk assessment and demand analysis, so as to establish an effective protection system for reasonable premium expenses Men at this age are the most responsible, so they should focus on the protection itself.

Critical illness protection should not be less than 100,000, if he is the breadwinner of the family, it is recommended to buy at least 20w, accident protection is indispensable, and the amount should be determined according to annual income. Combined with social security, the supplement can be used to reimburse medical insurance other than social security drugs and be used as a supplement to social security. The meaning of insurance is protection, no matter which type of insurance of that company, there is no good or bad, the most important thing is what kind of insurance plan is really suitable for you and can solve your own worries.

At the age of 39, under the premise of social security, you can pay attention to the care of serious illnesses, strengthen the protection of accidents, and supplement the shortcomings of medical expenses. Finally, you can reasonably plan financial management, pension replenishment and reserves.