What insurance is better to buy around 20 years old?

What kind of insurance is better to buy around the age of 20 should be analyzed according to the young person's own situation. Generally speaking, young people around the age of 20 are facing graduation and entering the workplace, with little savings and not much family financial responsibility. If you want to buy insurance with a protection-oriented mentality, the following insurances are preferentially recommended:

1. Critical illness insurance.

Not many young people nowadays can achieve "996", and most of them stay up late after 9 o'clock in the evening to work overtime. Lack of exercise, unhealthy diet. Critical illness insurance has certain requirements for physical health, and when the time comes, you will not be able to buy critical illness insurance.

Young people with serious illnesses who have no money for treatment will also suffer from their hearts. Equipped with a critical illness insurance, you can not only protect your own medical expenses, but also make up for your loss of income.

2. Medical insurance.

Staying up late gives rise to minor illnesses, and minor illnesses become major illnesses if they are not treated. Minor illnesses can be afforded, spending hundreds or even thousands a year, but the cost of major illnesses is not cheap. The million-dollar medical insurance that is very popular on the market caters to young people's hearts with limited income but want to buy big protection, and truly achieves low premiums and high insurance amounts, and you can buy insurance with millions of insurance amounts for a few hundred yuan a year.

3. Accident insurance.

Young people always have to work hard outside, but to reach the destination first, or the accident first, no one can say, the risk of accidents surrounds everyone, so an accident insurance is still very necessary.

Test your anti-risk index, experts will interpret it for you for free!

For people around the age of 20, Senior Sister recommends giving priority to critical illness insurance, medical insurance, accident insurance, and term life insurance. If you want to get a quick understanding, you can take a look at this article by Senior Sister: How do young people buy insurance? In this configuration, the premium is cut in half!

Young people around the age of 20 are generally college students who have just finished the college entrance examination and continue to study, and there are not many who can truly achieve financial independence, so the senior sister suggests that the most important thing is to protect your health first.

Although young people around the age of 20 are energetic, and most of them do not sit at their desks for long periods of time like office workers, and their physical functions are very good, diseases still occur in college students. One of the advantages of critical illness insurance is its claim settlement method, which is a benefit-based claim settlement and does not mandate where the claim money will be used. Then in case there is any money left over for the claim, it can be stored as a savings.

Medical insurance is simply a type of insurance that reimburses medical expenses. Compared with medical insurance, medical insurance has a wider range of coverage, and some reimbursement thresholds are relatively low. Moreover, the coverage period of medical insurance is generally not long, and the premium is relatively cheap.

In terms of payment methods, the purchase of medical insurance can be used to solve the problem of medical expenses, and the claim amount of critical illness insurance can be used for other aspects. So it's best to have both of these available.

Accident insurance is different from the above two, the above two protect people's health, and accident insurance protects accidents, and the accidents here must be foreign, sudden, unintentional, and non-disease. Accident insurance products are divided into one-year and long-term, and it is generally recommended to have a one-year term, because you only need to spend dozens of dollars or hundreds of dollars a year to get insurance protection with a higher amount of insurance.

Term life insurance means that if the insured dies or becomes totally disabled within the period agreed in the insurance contract, the insurance company will pay the insurance money according to the contract. Fixed life insurance has high leverage and can be protected by high insurance premiums with low premiums, so it is very necessary to buy term life insurance like some young people who have already taken on the financial responsibilities of their families. Space is limited, if you want to continue to know, you can read this article:

What is Term Life Insurance? Who is it suitable for? Everything you want to know is here!

It is better for people around the age of 20 to buy critical illness insurance, medical insurance, and accident insurance. Take critical illness insurance as an example, critical illness insurance can provide critical illness protection for people around the age of 20 and transfer the financial risk caused by critical illness.

In addition, since it is a benefit-type insurance, the insurance money can be used at will.

If you have the idea of buying critical illness insurance, you can click this link to take a look at these popular products compiled by the senior sister: recommended to you around 20 years old, the top ten cheap and well-priced critical illness insurance points!

Brother Bao said insurance, focusing on insurance product evaluation! 20 years old is a very weak economic age, minor illnesses are not willing to spend money, more afraid of encountering major diseases, it is difficult to face alone, in order to solve this problem, I have compiled a comparison table of cost-effective critical illness insurance that low-budget young people can also buy: the top ten insurance companies "worth buying" popular critical illness insurance inventory!

The important thing to say first is to look at the product when buying insurance, and you don't have to choose from a certain company. Nowadays, the pressure on young people is getting bigger and bigger, thinking more, and the awareness of insurance is constantly improving, but there is no high ability to distinguish at this age, and there is a lot of insurance information and it is difficult to distinguish, it is not easy to pick the right insurance for yourself, I stayed up late to make such a detailed strategy for buying insurance at the age of 20.

Young people mainly face these problems:

1) I don't have much awareness of saving money, and I am used to spending money lavishly, even if I work, it is only for a short time, and the economic foundation at this time is relatively weak.

2) Working hard and urgently meeting the expectations of family members, many problems to face, great pressure, and the probability of suffering from major diseases such as vascular disease, hypertension, stroke, cancer, acute myocardial infarction increases.

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 major diseases are gradually getting younger. Critical illness insurance protects critical illnesses, moderate and mild diseases, and it takes hundreds of thousands of critical illness expenses at every turn** Many young people can't afford it, so it's important to buy a critical illness insurance.

** Take a look at this diagram first:

Obviously, the later you buy critical illness insurance, the more expensive it is, and if you suffer from certain diseases, the insurance company will not allow you to buy it, and the sooner you buy critical illness insurance, the better.

Here's a list to refer to:

2.Accident insurance.

About 100 yuan can buy hundreds of thousands of accident insurance, to protect accidental disability and death, very suitable for young people with a low budget to buy, you can give priority to the configuration of accident insurance and additional accident medical treatment, for young people, additional sudden death accident insurance is more suitable to buy.

3.Million Medical Insurance.

Million medical insurance is mainly to reimburse for hospitalization, and many medical insurance will also come with a green channel for medical treatment, which can provide proton heavy ions**. Medical insurance that can reimburse up to several million yuan only costs two or three hundred yuan a year, which is acceptable even if the budget is not high.

Generally speaking, it is better for 20-year-olds to allocate critical illness insurance, medical insurance, and accident insurance.

If you have friends who don't know whether to buy insurance, you can see what the experts have to say:Should I buy insurance? If you don't take risks, won't the money be spent in vain?

Due to the fact that the age of onset of critical illness is gradually getting younger, and the cost of critical illness is relatively high, it is also more important for 20-year-old people to configure a critical illness insurance, because critical illness insurance mainly protects critical illness, and can pay a lump sum of insurance money when the insured suffers from a critical illness for the first time and meets the conditions for claims, so that the insured can use it.

With critical illness insurance, 20-year-olds will not be at a loss even if a critical illness comes to their door.

In addition, many 20-year-old people have bad habits such as staying up late and eating irregularly, and in the long run, the body is prone to various problems. Count well.

Therefore, 20-year-old people should be equipped with a medical insurance, so that when they are sick and hospitalized, the medical insurance can reimburse the ** expenses incurred due to illness in line with the provisions of the contract, which can further reduce the economic loss.

Finally, 20-year-old people will face more accident risk factors in life, such as car accidents, falls, etc., and accident insurance can provide protection for accidental injuries, which is essential for 20-year-old people.

Considering that the budget of the 20-year-old group is relatively limited, the senior sister has prepared a dry goods here, which will mention how to buy insurance cheapest, I hope it can help everyone:How to buy insurance cheapest? Hope.

It is best for 20-year-olds to buy accident insurance + critical illness insurance + million medical insurance.

At the age of 20, I don't have much money in my hands, and I am reluctant to spend money on minor illnesses, and I am even more afraid of encountering major diseases and not knowing how to face them. Therefore, it is quite necessary to configure low-level and comprehensive insurance.

In addition, the pressure on young people is increasing, thinking more and more long-term, and the awareness of insurance is constantly improving, but there is no high ability to distinguish at this age, and there is insurance information everywhere, so it is not easy to pick the right insurance for yourself.

For this reason, I made a detailed guide to buying insurance at the age of 20.

1. The main problems faced by 20-year-olds

1) The working hours are very short, I usually don't like to save money, and I don't spend money in moderation, so the economic foundation at this time is relatively weak.

2) Staying up late at work and the high expectations of parents have a lot to consider, which brings a lot of pressure, and is prone to major diseases such as vascular disease, high blood pressure, stroke, cancer, and acute myocardial infarction.

It can be clearly seen that this age has specific needs for protection, but it cannot be too expensive, and buying insurance at the age of 20 can be configured with accident insurance + critical illness insurance + million medical insurance.

2. Optional insurance

1.Critical illness insurance.

According to WHO data, 75% of people in China are in a sub-health state, and 20-year-old young people are more likely to suffer from certain major diseases than the elderly, and major diseases are gradually getting younger. Critical illness insurance protects critical illnesses, moderate and mild diseases, most young people cannot afford the cost of critical illness, and 20-year-olds need a critical illness insurance to protect themselves.

The later you buy critical illness insurance, the more expensive it is, and if you have some diseases, you can't buy it, so the sooner you buy it, the better.

"20 years old exclusive!Top 10 Critical Illness Insurance Points Worth Buying!》2.Accident insurance.

Only about 100 yuan can buy an accident insurance with an amount of hundreds of thousands of insurance, to protect accidental disability and death, young people can buy a small budget, you can configure accident insurance before buying other insurance, for young people, pay more attention to the accident insurance of sudden death.

There are many accident insurance products, and if you want to find one that suits you, take a look here:

Top 10 Accident Insurance Worth Buying in 2021!》

3.Million Medical Insurance.

Million medical insurance mainly reimburses hospitalization for illness, and there are many excellent medical insurance with a green channel for medical treatment, which can provide proton heavy ions**. Two or three hundred yuan a year, you can be reimbursed up to several million, and it is acceptable without a high budget.

Good medical insurance should still be picked well, and the list is presented for reference:

"Top 10 Million Medical Insurance Worth Buying in 2021!》

[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.

For 20-year-olds who want to buy insurance, the first thing they need to do is to sort out what their insurance needs are, and then select suitable insurance products according to their own insurance needs. Moreover, it should be noted that each insurance product has its own characteristics, corresponding to the various insurance needs of different insured groups, and there are only suitable insurance products, and there is no best insurance product.

Therefore, if you are a 20-year-old person who is insured, it is recommended to consider critical illness insurance, million medical insurance, life insurance and accident insurance.

Below, the senior sister will take the insurance of 20-year-old people as an example to learn about it with you. Before entering the topic, the senior sister will give you a little knowledge of insurance:Super complete!Everything you need to know about insurance is here

Usually, 20-year-olds are generally "social animals" who have just entered the society to participate in work, and this kind of group of people has a more obvious characteristic, that is, they have a good body but little money.

However, 20-year-old friends need to be clear that people's physical health will gradually deteriorate with age; Health insurance, such as critical illness insurance and million medical insurance, has stricter requirements for the physical health status of the insured in terms of insurance conditions.

In addition, it is more common for people to stay up late, irregular eating and other bad habits, such behaviors will cause certain damage to the body, and they are more likely to suffer from major diseases than ordinary people.

Therefore, 20-year-olds need to buy a critical illness insurance and million-dollar medical insurance for themselves while they are healthy.

If you still have questions about the re-elimination of several illness insurance and million medical insurance, then this article should not be missed:After reading these contents of medical insurance, you will know why you should buy critical illness insurance

In addition to critical illness insurance and million medical insurance, in fact, 20-year-olds can also consider buying life insurance. That's because the 20-year-old Sousen crowd began to slowly move towards society and start a new life; But it cannot be ignored that parents are also aging, and everyone must also learn to gradually take on the burden of the family.

For the breadwinner, life insurance is not only a kind of life protection for oneself, but also a manifestation of love for one's family, transferring the economic risks brought to the family by the death of the insured.

The last thing to consider is accident insurance, after all, no one can predict when the accident will happen, and the premium of accident insurance is much cheaper than other insurance, which is still worth considering. Hope.