What health insurance is better for 28 years old?

Hello! At present, there are two main types of health insurance in the market: consumption type and return type, of which the former has a lower premium and more comprehensive protection, and if a 28-year-old person has a average family income, he can consider consumer insurance; In addition to providing insurance protection, the latter will also return the premium after maturity, but the premium is higher, which is more suitable for 28-year-old people with certain financial means. However, in any case, 28-year-olds should pay attention to the following when purchasing health insurance:

1. Sum insured. The general principle is that the annual health insurance premium is 7 to 12 per cent of the annual income, and if there is no social health insurance, this proportion can be appropriately increased. The ideal combination of insurance types is:

If you have social medical insurance, you will choose critical illness insurance and hospitalization subsidy insurance; If you don't have medical coverage, you can choose critical illness insurance and hospitalization expense insurance.

2. Insurance terms. There are hundreds of health insurance products now, but no matter how they change, there will always be such a clause in the clause - "insurance liability and liability exemption". This is the core content of the clause, "insurance liability" tells the policyholder what exactly he will be covered if he buys this insurance, and "liability exemption" tells the policyholder what not to insure.

All policyholders want the "insurance liability" to cover their needs, and the "liability waiver" is as small as possible, so it's important to figure this out before signing the policy.

Hello landlord! I'm 28 years old! The landlord can be insured according to this idea! Accident, Critical Illness + Medical, Pension! It depends on your annual income, occupation, debts, etc. to make a reasonable protection plan for you! I'm a broker! Welcome to the exchange.

Hello. First of all, if you have a chronic medical condition, if you have health insurance, the insurance company will definitely require a medical examination.

The decision on whether or not to be covered will be made based on the results of your medical examination.

There are three general processing results:

1. Additional underwriting: If your illness is not very serious, the insurance company can underwrite your policy, but as a non-standard body, your insurance premium will definitely rise, but the insurance liability will be fully enjoyed, and other diseases caused by this disease in the future will also be covered by the insurance company.

2. Exemption from liability: If the disease is more serious, the insurance company can also underwrite this insurance, but for such diseases and other diseases caused by this disease in the future are not covered by the insurance company's insurance liability.

3. Refusal of coverage: If your illness is more serious and directly affects the interests of other insured customers, then the insurance company may choose not to cover your business. and refund your premium.

For example, in 08 years, I had a customer who was hepatitis B Xiaosanyang, and after the physical examination, my insurance company underwrote the business, and the diseases that may be caused in the future are also covered by the insurance liability.

By the way, when filling out the insurance policy, there is a truthful notification item, which requires the insured to fully and truthfully inform the insurance company of his physical health status according to the principle of maximum good faith.

In addition, the new insurance law requires that after two years of insurance application, even if the customer does not truthfully inform the customer of the difference in physical health, the insurance company must pay the claim in accordance with the insurance contract, which is called the principle of incontestability.

Hope mine can help you.

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

It is recommended to buy at the age of 28: social medical insurance + critical illness insurance + medical insurance + life insurance + accident insurance.

1.Social health insurance.

First of all, we must first purchase social health insurance. As we all know, social medical insurance is a national welfare, and it is recommended that everyone actively purchase social medical insurance. The social medical insurance will not cause a financial burden to everyone.

2.Critical illness insurance.

Among commercial insurance, the most worthwhile purchase is critical illness insurance products. Let's show you a data first, lung cancer is now beginning to show a younger trend, and this kind of disease was only high in the elderly group before, and there are also cases of this disease in the 10s. Since the age of 35, the incidence of lung cancer has increased rapidly.

Therefore, we should pay attention to critical illness insurance products, so don't leave anything to chance, and pay attention to your body. It is wise to purchase critical illness insurance as early as possible.

3.Commercial palliative care insurance.

Some people will regard commercial medical insurance and social medical insurance as the same kind of insurance, but there is actually a certain difference;

To put it simply, commercial medical insurance is a supplement to social medical insurance. If you go to the hospital with a cold and fever, social medical insurance can certainly cope with it; However, if the illness is more serious, and social security only reimburses 40% of the medical expenses, the rest of the medical expenses can only be borne by yourself, which is not a small amount of money

Therefore, at this time, the role of commercial medical insurance is played: so the rest is reimbursed by commercial medical insurance, which can greatly alleviate the economic pressure caused by medical expenses.

Here I recommend that you consider millions of medical insurance, the first reason is that it has a very affordable **, millions of insurance dollars a year only a few hundred yuan. Moreover, its insurance content is relatively comprehensive, such as surgery fees, examination fees, drug fees, etc. are included.

4.Accident insurance.

Don't judge whether there are accidents based on age, everyone will encounter accidents: at the age of 28, you may encounter traffic accidents, accidents such as accidental falls and injuries on the road; Buying an accident insurance for yourself is also a peace of mind, not to mention that the accident insurance is only one yuan a year.

[Written at the end].

I am [Xueba Says Insurance], focusing on objective, professional and neutral insurance evaluation;

If the above content has not solved your problem, you can also come to the Gongqing Pure Public Account [Xueba Said Insurance] to consult me;

I will give you the most professional advice with years of experience in configuring insurance for 10w+ families.

It is better for 28-year-olds to allocate critical illness insurance, medical insurance, accident insurance, and life insurance, which can provide us with sufficient personal protection. If we are unfortunately diagnosed with a disease that meets the contract, we will have the opportunity to receive a sum of money to solve the problem of medical expenses, as well as compensate for the loss of income, and prevent the family from falling back into poverty due to illness. So what long-term critical illness insurance is worth buying?

There is an answer in this list: Top 10 popular critical illness insurance points worth buying!