I want to buy insurance, female, 28 years old Do you have any recommendations?

Xueba talks about insurance, focusing on insurance evaluation! To buy commercial insurance, both men and women should buy a critical illness insurance, I have collected and sorted out the popular critical illness insurance in China, and conducted an in-depth analysis of them, if you are interested, you can take a look:"136 Popular Domestic Critical Illness Insurance PK".

Women should buy insurance products according to their 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 income level of the vast majority of women is not very high, because they do not work long hours, so it is recommended that women at this stage buy critical illness insurance and accident insurance. At this age, the premium for 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; Or you can choose a critical illness insurance product with a lower sum insured, and buy a whole life critical illness insurance with an insurance amount of 100,000 is also about 1,000**. Here are some of the critical illness insurance products that are more suitable for this age group to buy, you can compare and choose:

"Top 10 Critical Illness Insurance Worth Buying for Young Women!" 》

No one knows when an accident will happen, so accident insurance is a must. Tens of dollars can buy tens of thousands of yuan of accident insurance, which is very cheap.

At the age of 30-45 yearsMost of them have already started a family and have become one of the main economic leaders of the family, so it is time to buy critical illness insurance and life insurance. If you are not the first person in the family's finances, you can buy less when you buy life insurance. However, the sum insured of critical illness insurance cannot be reduced.

Because women of this age are prone to cervical cancer, breast cancer and other major diseases, after purchasing critical illness insurance, if you unfortunately suffer from a critical illness, this insurance can protect your family from being dragged down by the disease, and there will be no money to treat the disease.

Age inOver 45 years oldWomen who have not yet purchased critical illness insurance should do so as soon as possible. Because if you are over 50 years old, it is not only expensive but also difficult to buy critical illness insurance. At this stage, women's physical fitness is very poor, and they are most likely to get sick and hospitalized, so they should focus on increasing investment in medical insurance, such as buying a million medical insurance.

Here's a list of million-dollar medical insurance plans for people over the age of 45:"Super Complete! Million Medical Insurance Worth Buying for Women".

If you are interested, you can take a look.

Hello, it is recommended to configure critical illness, accident, life and million medical insurance, and the total premium expenditure is about 10% of the annual income.

Critical illness is compensation for the loss of income during the protection period, try to choose multiple claims, and if it is guaranteed for life, the sum insured should reach 5 times of the annual income as much as possible.

Life Fixation and Accident is to prevent the loss of family due to the loss of income due to the loss of income due to the early termination of income.

The million-dollar medical insurance covers medical expenses, with a lifetime limit of several million, and the annual expenses can be reimbursed up to one million.

The specific selection of various products requires detailed communication.

The recommended insurance for 28-year-olds is critical illness insurance, medical insurance, and accident insurance. Purchasing critical illness insurance can cover the financial loss caused by illness; The reimbursement amount of medical insurance is high, and it can be reimbursed for illness and hospitalization; Accident insurance covers all kinds of accidents, and the premiums are very cheap.

Buying insurance at the age of 28 has the following benefits: In general, the physical condition of people in their 20s is bound to be better than that of middle-aged and elderly people, there are many types of insurance products to choose from, and the premiums are cheaper. So let me tell you what kind of insurance you should buy at this age.

1.Social health insurance.

At the beginning, we need to configure social health insurance first. Everyone knows that social medical insurance is the welfare of the state to the people, and in order to comply with the call of the country, everyone should actively purchase social medical insurance. The basic protection of social medical insurance is more comprehensive and affordable.

2.Critical illness insurance.

Critical illness insurance is one of the types of commercial insurance that you are recommended to buy. Before introducing the types of critical illness insurance, you can take a look at the following data, which used to be called"Old age killers"of lung cancer has also begun to show a trend of younger age, with the youngest of them only in their teens. Since the age of 35, the incidence of lung cancer has increased rapidly.

Therefore, we should pay attention to critical illness insurance products, and it is not advisable to have a fluke mentality. The sooner you buy critical illness insurance, you won't be mistaken.

3.Commercial medical insurance.

Some people think that commercial medical insurance and social medical insurance can choose one or the other, but there is a difference between the two;

To put it simply, commercial medical insurance is a supplement to social medical insurance. If you go to the doctor for some minor problems, then it is enough to use social medical insurance; However, if the illness is more serious, the social security in the secondary hospital can only reimburse 40% of the expenses, so the rest of the medical expenses can only be borne by themselves, then this money is indeed a lot;

Therefore, existence is reasonable, and the role of commercial medical insurance is here: it reimburses the remaining expenses of social medical insurance, which can alleviate the economic pressure caused by medical expenses.

Among them, million medical insurance is recommended for everyone to buy, the first reason is that it has a very affordable **, about a few hundred yuan a year, you can get millions of insurance amounts. In addition, it has a comprehensive insurance content, such as surgery fees, nursing fees, drug fees, anesthesia fees, examination fees, etc.

4.Accident insurance.

Everyone is equal in the face of 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 buying a peace of mind, and an accident insurance only costs about 100 yuan a year.

[Written at the end].

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

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

Critical illness insurance can provide corresponding illness diagnosis and negotiation protection, and the insurance benefits will be paid if the insured is sick and the claim is satisfied; Medical insurance can reimburse the corresponding medical expenses as agreed. These two types of insurance can transfer the financial risk of illness in 28-year-olds.

Accident insurance can cover the unexpected situation stipulated in the contract.

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"

Under normal circumstances, senior sisters will recommend 28-year-olds to purchase critical illness insurance, medical insurance, and accident insurance.

Because of the illness and accident, it is often necessary to go to the hospital**, and now the cost of going to the hospital is as little as hundreds of thousands, and if it is more, it will cost tens of thousands or hundreds of thousands, so 28-year-old people should configure the above three major insurances to help themselves reduce economic losses.

Hello! There are various ways to purchase insurance, you can directly go to the insurance company to contact the corresponding insurer for consultation according to your actual situation, or you can go to the corresponding insurance platform to choose and purchase the appropriate protection according to your actual protection needs.

At present, the main insurance products in the insurance market are mainly accident insurance, health insurance, critical illness insurance and commercial pension insurance.

It should be reminded that to purchase commercial insurance that is suitable for you, it is best to analyze it according to your current protection status, financial ability, physical health and other specific circumstances.

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