What insurance is suitable for women in their 30s

For women in their 30s, it is generally more suitable to buy insurance in this way: critical illness insurance + million medical insurance + accident insurance + term life insurance.

For those who don't know much about these four types of insurance, you can take a look at this popular science article sorted out by the senior sister: 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 is mainly insurance that provides protection for critical illness, and its role is mainly to make up for the loss of income during illness. After applying for critical illness insurance, during the protection period, if the insured is sick and meets the conditions for claims, the insurance company will pay a sum of insurance money according to the policy, which we can use to pay ** expenses or repay debts, and the insurance company will not care about the use of this money.

2. Million medical insurance.

Million medical insurance is a reimbursement type of insurance, mainly for the reimbursement of the first expense generated by our illness and hospitalization, many million medical insurance on the market can also be reimbursed for imported drugs, in addition, there are millions of medical insurance containing "green channel for medical treatment", "hospitalization medical expenses advance" and other value-added services to provide convenience for us to see a doctor.

3. Accident insurance.

Accident insurance is mainly to protect personal injuries caused by external, sudden, unintentional, and non-disease events, ranging from cat and dog scratches to accidental falls and fractures, so it is very important for everyone to configure accident insurance.

4. Term life insurance.

Women in their 30s, many of whom are already the breadwinners of the family, as the breadwinners of the family, it is actually necessary to buy term life insurance, not to protect themselves, but to protect their families, and to ensure that the life of the family can be carried out normally in case of misfortune.

Hello! There are many types of insurance suitable for women in their 30s, such as personal accident insurance, health insurance, and life insurance. The details are as follows:

1. Accident risks are everywhere, and once they happen, it will bring a lot of trouble and economic losses to your sister, so the first consideration is accident insurance. When applying for insurance, set the sum insured at about 10 times your annual income.

2. Health risk is another aspect that should be paid attention to in addition to accident risk, and buying a health insurance in time can protect your sister's health and safety, and you should pay attention to critical illness and hospitalization when applying for insurance.

3. On the basis of perfect accident and health protection, if your financial conditions allow, you can buy a life insurance for your sister, so as to better protect her life.

There are a variety of insurance products available for women in their 30s, and you can come and buy them and get at least 15% off.

In general, women in their 30s are more suitable to consider critical illness insurance, million medical insurance, life insurance and accident insurance. After configuring these four types of protection insurance, you can also consider planning in advance for your future life in later life, such as pension insurance or increased whole life insurance.

For people in their 30s, interested friends might as well take a look at this article: Which insurance is suitable for you around 30 years old?

Female friends in their 30s remember! Think about yourself too, configure insurance for yourself!

Consultation content: I am Chinese New Year's Eve three years old, have social security, have a stable job, recently want to buy an insurance for myself, as a monthly investment, or future protection, but I don't know what kind of insurance is the most suitable to buy, so I want to ask all experts, I hope you give some targeted advice, thank you! Consult netizens:

Stella F (Shanghai) expert answer: Shanghai Ping An Life Wang Xilan The type of insurance is the same, but the design of the insurance type and the amount of insurance can see the professional level of a person, for you, it can be said that you don't know anything about insurance, so it is still very important to find a professional insurance person. It is recommended that you supplement some medical treatment, and then retire and then manage your finances, and hope to further communicate with the specific types and combinations of insurance.

At present, there are many customers who have similar ideas to you, live a worry-free life, and usually have no investment channels, and want to protect themselves and their families through insurance, while carrying out compulsory savings and financial management, as a future need and pension supplement. It is recommended that you can determine the amount of protection you need according to your current income, which is 3-5 times your annual income, and the critical illness protection can be controlled at 20-300,000 yuan. According to your needs, it is recommended to purchase return-type pension products that take into account security.

Xiang Fan Ping An Life Liu Jieping Women of your age are the breadwinners of your family. In the event of an accident or serious illness, the family's economy will be greatly affected, and the family's living standard will decline. Therefore, it is recommended to focus on high protection, supplemented by investment and financial management.

You can choose a universal type of insurance, which is very flexible in terms of payment, adjustment of the sum insured, and receipt of survival benefits. Take Ping An's Zhiying Life as an example, 2 accounts will be opened for you immediately after the contract takes effect. One is the protection account, which is set to 200,000 when you are young and 100,000 for critical illness.

The other is a wealth management account, in which the money in this account is paid with interest 12 times a year and is compounded with interest. When you are old, the responsibility pressure on your body is not so great, and at this time, you can adjust the sum insured and critical illness to the minimum, so that the money in the account can make more money. The average customer should ask at this time:

I have adjusted the sum insured and critical illness to the minimum, what if I get a serious illness, is the insurance company paying very little? In fact, because of the particularity of universal insurance, it can be used at any time by taking out money from the wealth management account. So if you get seriously ill, just take out all the money yourself.

If it is not adjusted to the minimum, even if you have a serious illness, the money paid by the insurance company will be taken out of that wealth management account. You can also withdraw all your money at once after you turn 60. as a pension.