I am 20 years old and want to buy an insurance policy, and the annual insurance amount is between 10

Xueba talks about insurance, focusing on insurance product evaluation! At the age of 20, the economic foundation is relatively weak, in order to save money and minor illnesses do not see a doctor, and what is more afraid is that when encountering a major disease, I don't even have the courage to face it, 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

In the forefront, don't be attached to any company when buying insurance, only the product is king. Nowadays, the pressure on young people is increasing, thinking more and more long-term, and the awareness of insurance is constantly improving, but at this age, I still don't understand how to pick things, there is insurance information everywhere, and it is not easy to pick an insurance that suits me, so I specially compiled an analysis of how to buy insurance at the age of 20.

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 but not working on time, facing many problems, psychological pressure, easy to suffer from vascular disease, high blood pressure, stroke, cancer, acute myocardial infarction and other major diseases.

After the analysis, we know that at this age, we need to buy cheap but well-protected insurance, and you can configure 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 the incidence of major diseases is gradually increasing at the age of young people. Critical illness insurance covers critical illnesses, moderate and mild diseases, and the cost of critical illness** is unaffordable for most young people, so it is important to buy a critical illness insurance.

Here's a picture about:

In addition, if you are unfortunately sick, there are some that you can no longer buy, and the sooner you buy critical illness insurance, the better.

Here's a list to refer to: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, very suitable for young people with a low budget to buy, you can choose an accident insurance and then look at others, for young people, additional sudden death accident insurance is more suitable to buy.

3.Million Medical Insurance

Million medical insurance mainly reimburses for hospitalization, and some excellent medical insurance also comes with a green channel for medical treatment, which can provide proton heavy ions**. A few hundred yuan a year, you can have a reimbursement amount of millions, and you don't have to be afraid if the budget is not high.

Good medical insurance should still be picked well, and the list is presented for reference:Designed for 20 years old! Top 10 Million Medical Insurance Points Worth Buying in 2020! 》

Thanks for reading, hope!

Please explain a little bit to help you, the following questions:

1. What do you focus on? (Pension, Medical, Accident or Property) 2, You start to pay at the age of 20, how old do you want to pay?

3. When do you plan to start receiving it?

4. Do you have social security now?

5. Gender. Like, I just did the math for you:

You start paying now, every year, until retirement (age 60). After that, the first month will receive the protection fund, and then increase by 2% every month until the age of 85, and the last month of the age of 85 will receive all the pension with interest. In this way, a total of 60,000 yuan was paid, and a total of 164,005 was returned.

I've got the plan ready, you give me an email and I'll send it to you for free.

Commercial pension insurance, in a nutshell, 25-year-old example:

1. Choose investment and financial dividend-paying pension insurance, and the long-term considerable rate of return is considerable!

2. Suppose you apply for a pension insurance with financial dividends, the amount of insurance is 50,000 yuan, and the guarantee is lifelong, and it is saved for 15 years, with a total of 80,000 yuan! 8% of the sum insured every 3 years, for life! Then you have 350,000 yuan in your account when you are 59 years old, 20,000 yuan a year for a pension at the age of 60, a total of 400,000 yuan in 20 years, 160,000 yuan in the account when you are 80 years old, and 550,000 yuan in your account at the age of 100!

3. Additional regular repayment critical illness insurance and comprehensive accidental hospitalization medical insurance! Reimbursement for all accidental hospitalizations and medical malpractice is included! There is no limit to the number of reimbursements.

It depends on what kind of security you pay attention to.

At the age of 20, it is recommended to consider more consumption-based accident insurance, plus accidental medical treatment + hospitalization allowance + surgical allowance.

The most basic meaning of insurance is protection, so consider buying health care + accident insurance + hospitalization subsidy.

Please go directly to Ping An Insurance, when they know that you have a need will come to the door.

You can contact the local ** people! And inform us of your needs and other information!

Summary. Hello, pay 8000+ pay for 20 years a year, what is the basic insurance amount, depending on your age and gender, and what insurance products you buy.

I pay 8000+ a year for 20 years, what is my basic insurance amount.

Hello, pay 8000+ pay for 20 years a year, what is the basic insurance amount, depending on your age and gender, and what insurance products you buy.

The sum insured of the insurance product is determined according to the age, gender of the insured, and the number of years of premium.

**Rates are influenced by these four factors, so you need to know your age, gender, and what insurance products you are buying.

Xinli 17 23 years old bought.

What about gender? Woman.

The basic sum insured is 50,000

Absolutely. Although we are in our 20s and are young and strong, we are not taking a lot of risks. There is not only the risk of disease, but also the risk of accidents, so you should buy an insurance policy for yourself in your 20s to protect yourself and transfer the economic risks caused by these risks.

The best insurance allocation plan for people in their 20s is critical illness insurance + medical insurance + accident insurance + term life insurance.

For those who don't know much about the above-mentioned types of insurance, you can take a look at this popular science 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 can transfer the significant financial risk of the insured person suffering from a critical illness. According to the data, the probability of a person suffering from a critical illness in a lifetime is, and with the pollution of air and environment, the probability of critical illness is increasing year by year. Therefore, it is necessary to purchase a critical illness insurance.

Here, the senior sister has also compiled a list of cheap and well-priced critical illness insurance suitable for people around 20 years old, and if you are interested, you can learn about the products:Recommended for you around 20 years old, top 10 cheap and good price critical illness insurance points!

2. Medical insurance.

Birth, old age, sickness and death are the states of life that people will experience in their lives. And medical insurance can reimburse us for medical expenses such as hospitalization, surgery, etc., which can help us save money.

3. Accident insurance.

Life is full of accidents. Accidents are sudden and random, and they can happen today or in the distant future. But we can't easily ignore the probability of it happening.

It's best to take precautions and purchase an accident insurance in advance to transfer the financial risk of your own accidental injury.

4. Term life insurance.

The main purpose of buying life insurance is to prevent accidents, and to leave a life insurance benefit to your family to continue your love and responsibility for your family.

Here, the senior sister has also selected a term life insurance with good protection for everyone, interested partners can take a look:Tongfang Global Zhenai 2022 Internet Term Life Insurance is coming? I'll talk about it after reading it

That's all I have for this issue, I hope it helps!

The first question is that for 20-year-olds, it is necessary to buy insurance. If the annual premium reaches 5,000 and is paid in 20 years, it needs to be analyzed according to the actual economic situation of the individual.

In this regard, below, the senior sister will take the 20-year-old group of people to buy insurance as an example to discuss it with you.

Before entering the topic, if you have a small partner who doesn't know much about insurance knowledge, you might as well take a look at this article:Ultra-complete! Everything you need to know about insurance is here

Generally speaking, most of the 20-year-old people are new to the workforce, which also means that this group of people does not necessarily have the financial strength, so when buying insurance, they must consider the choice more carefully.

No matter how old a person is, the risk of disease is always present; It's just that compared with middle-aged and elderly people, 20-year-olds have relatively better physical health, and it is naturally easier to buy health insurance such as critical illness insurance and medical insurance.

It should be noted that critical illness insurance and medical insurance can be insured in different time periods according to their own financial situation, but it is recommended that everyone should have a separate critical illness insurance and medical insurance, that is, both types of health insurance are indispensable.

Because medical insurance is mainly to solve the problem of medical expenses for the insured, while critical illness insurance is in the process of protection, it can also provide certain economic protection for the income loss of the insured during the illness and the process of recovery from illness.

Insurance is not an ordinary commodity, but it is a lifesaver for everyone at critical moments, so you must read carefully before making a choice when applying for insurance. Due to space, taking critical illness insurance as an example, the senior sister will tell you two precautions for insurance:

1.The content of the insurance must be as complete as possible, including at least the three basic guarantees of mild, medium and severe diseases;

2.In view of the average financial ability of 20-year-olds, the sum insured should be as high as possible within the range of their own affordability. Hope.

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Hello dear! Paying 5,000 yuan a year for insurance for 20 years is the possible potential income from investment and financial management, or the potential interest income from deposits. In fact, it can also be calculated according to the three tiered rate of return method of insurance, that is, the annualized income % and 6% to calculate, how much less income will be obtained in the past 20 years?

Then compare it with the insurance contract and other additional insurance protection, see if it is cost-effective, and you can buy it if you know it.

Pay 5,000 yuan per year for 20 years.

2800 every two years

How many years will it take to pay back the cost.

Returns begin every two years and begin in the third year.

Hello dear! Paying 5,000 yuan a year for 20 years of insurance for the policyholder is the possible potential income from investing in Lichun Suicai, or the potential interest income of the deposit. In fact, it can also be calculated according to the three tiered rate of return method of insurance, that is, the annualized income % and 6% to calculate, how much less income will be obtained in the past 20 years?

Then compare it with the insurance contract and other insurance protections that are attached to the shed, and see if it is cost-effective, whether you know how to buy and Zheng.

Hello dear! How many years to pay back the principal to pay 5,000 yuan per year, 20 years to pay a total of 100,000 yuan. 2,800 yuan will be returned every two years, a total of 10 times, and the total amount of return is 28,000 yuan.

Therefore, the actual insurance premium paid is 100,000 yuan - 28,000 yuan = 72,000 yuan. The payback time depends on the rate of return on investment. Assuming a rate of return of 4%, the annual return is 72,000 yuan x 4% = 2,880 yuan.

Therefore, the time required to recover the principal is 72,000 yuan 2,880 yuan year = 25 years. As a result, it takes 25 years of insurance to recover the cost, and considering the impact of time value, the actual return time is often longer.

It takes 25 years to pay off.

2800 every three years.

Hello dear! Assuming that the total premium of the insurance is 5,000 yuan per year, and the total premium is paid for 20 years, a total of 100,000 yuan needs to be paid. The return of 2,800 yuan every 3 years is equivalent to a return of 2,800 3 = yuan per year.

The number of years required to recover the cost can be calculated by the following formula: Breakback years = Total premium Annual return amount Breakback years = 100,000 years Therefore, it takes 107 years to recover the cost.

Hello! At this age, first of all, of course, consider social security, social insurance, often universal, suitable for a wide range of people, involving pension and medical care, etc., this is a basic security, it is necessary to do a good job in advance, professional or non-professional 20-year-old people can be insured.

In addition, the possibility of accidents at this age is greater, at this time, a suitable accident insurance should be given priority, and special attention should be paid to the coverage when purchasing accident insurance, and the insurance product with additional accidental medical and accidental hospitalization allowance compensation is the best, if you want to take public transportation to commute to work or go home, a suitable transportation accident insurance should not be ignored and cautious.

Critical illness insurance is a payment type, once you suffer from a critical illness, the insurance company will pay the insurance amount according to the contract, and the insured can obtain insurance compensation in advance to pay for huge medical expenses. It is recommended to choose a critical illness insurance amount that is 2-3 times of their annual income, and in case of illness, they can be compensated for 2-3 years of income. Critical illness insurance usually covers a longer period of time, ranging from 10 years, 20 years, or even lifetime to life.

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