What to buy for white collar accident insurance for women at work?

Auspicious year comprehensive accident insurance: accidental injury 100,000 yuan, accidental medical treatment 10,000 yuan, aircraft 500,000 yuan (insurance amount of 100,000 yuan + additional 400,000 yuan), train, ship and car 100,000 yuan, accidental hospitalization allowance 20 yuan a day, ambulance expenses: 300 yuan, up to 2,000 yuan a year.

The annual premium is $100.

Women pose special health risks due to their unique physiological periods – pregnancy, parenting, and menopause. Therefore, the unique physiological functions of women determine that women are more likely to suffer from critical illness than men. Based on this, it is particularly important to purchase health insurance.

We recommend one to you: Allianz Ankang Xinqing Cancer Prevention Insurance Plan, which is suitable for young and middle-aged people aged 18-45 who have a high awareness of cancer prevention and are in good health. Covers the cancer with the highest incidence of critical illness (malignancy), and provides coverage for carcinoma-in-situ that is commonly missing in the market, helping to nip cancer in the bud.

In addition, after obtaining the carcinoma-in-situ insurance benefit, you can still enjoy the protection of malignant tumors until the age of 60, which clears the worries of the first period of life.

Hello, it's best to buy protection products, if you are interested, you can chat with me privately.

The suitability of an insurance product is inseparable from the age of the insured. Young people aged 0-30 are recommended to take out critical illness insurance, medical insurance and accident insurance; People aged 30-50 are recommended to allocate critical illness insurance, life insurance, accident insurance, and medical insurance. Last night I put together a list of popular insurance plans for all ages:

Popular insurance points for all ages。You can take a look.

Under the age of 45, it is recommended to give priority to critical illness insurance, medical insurance and accident insurance. Seniors over the age of 60 can replace critical illness insurance with cancer insurance.

How to buy insuranceIf you are under the age of 20, you should choose critical illness insurance, medical insurance, and accident insurance

How do I buy insurance for someone under 20 years old? Before adulthood, in the period of physical and mental growth and development, it is inevitable that there will be some minor illnesses and pains, so it is necessary to have a medical insurance to reimburse the high medical expenses; In addition, there will be more accidents in the child's growth stage compared to the age of other stages, so it is also necessary to purchase accident insurance; Of course, it is also essential as a critical illness insurance that is more cost-effective the sooner you buy.

People between the ages of zero and 30 choose critical illness insurance, accident insurance, and medical insurance

How do you buy insurance in your 20s? 20 years old 30 years old, most of them have begun to live independently, at this time the body is young, the spirit is good, to face the pressure of life alone, the ability to defend against accidents and risks, so it is recommended to buy short-term critical illness insurance + one-year accident insurance + million medical insurance, the premium required is not high, a month is only a few dozen yuan, it can be considered, friends who meet this age group can see the answer of the senior sister beforeIs it necessary to buy insurance in my 20s? So does it make sense to buy insurance at a young age?You can take a look at this article.

If you are in the youth stage (30-50 years old), choose critical illness insurance, life insurance, accident insurance and medical insurance

A trick to teach you to buy a cost-effective commercial insurance for your 30s? At this time, buying insurance is more for your family than yourself. Middle-aged work pressure and life pressure are very high, and the probability of illness is naturally very large, critical illness insurance and medical insurance can provide adequate protection for illness; If an accident happens, accident insurance and life insurance can buy peace of mind for the future of yourself and your family.

As for how to choose a good insurance with more money and effort, the key is to choose the right insurance product.

Comparison table of 136 popular critical illness insurances in China (including the detailed list of insurance for each age group).

According to the legal insurance network, women who go to work should first consider buying commercial accident insurance and health insurance, especially women's critical illness insurance. When women buy insurance, they also have to buy the right amount of insurance, many people will ignore the amount of insurance, but it is actually very important. The design of a good sum insured needs to be based on family responsibilities, asset and liability capacity, income situation, etc.

Secondly, women should also consider the protection of different functions according to the different stages of life, and before the age of 30, the main concern is the cost of work, further education, travel, or marriage. Since the income here is small and unstable, you should focus on protecting yourself. More consideration should be given to risk protection, such as:

For accident protection and illness protection, it is recommended to choose pure protection life insurance with lower premiums plus hospitalization medical and critical illness insurance. Single women of the Moonlight clan can consider buying some savings insurance to force themselves to develop the habit of saving.

After the age of 30, most women enter the marriage period. At this stage, it is mainly concerned about family, childbirth, children's education and other issues. As income has been growing steadily, it is recommended to arrange an insurance portfolio from three aspects: health care, children's education, and retirement.

It is important to note that women's health insurance can be purchased before pregnancy. General life insurance and accident insurance generally explicitly exclude various accidents and illnesses caused by pregnancy. However, some insurance companies have launched women's health insurance that covers pregnancy illnesses to protect women against risks during childbirth.

If you are also considering the future pension, then decide to choose a suitable pension insurance according to your financial ability.

It is necessary to find the most suitable product for yourself, because different insurance products are suitable for different ages, so when a woman loves herself, she needs to start from the actual age stage and configure protection for herself. 18-30 years old: Priority is given to pure consumer health insurance or accident insurance; 31-50 years old:

After the basic protection is done, financial insurance can be considered; Over 50 years old: Accident insurance and cancer insurance are preferred.

Women who go to work are under a lot of pressure, and because they are constantly on the go due to the needs of their work, it is recommended that you buy a suitable insurance for yourself as soon as possible to improve your own safety. What insurance do women who work need to buy?

1.It is recommended that you take out personal accident insurance as a priority to help you protect yourself from the unexpected risks that you face on the go.

2.If you are worried about the risk of occupational diseases and other risks for women who go to work, it is recommended that you purchase a suitable health insurance for yourself, which can be combined with your current medical welfare status, and those with medical insurance can focus on hospitalization allowance and critical illness protection, and those without medical insurance can focus on hospitalization medical treatment and critical illness protection.

3.In the case of comprehensive protection, it is recommended that you may wish to purchase a suitable life insurance for yourself to better interpret the sense of responsibility and obligation to the family. What insurance do women who work need to buy?

The above protection plans are for your reference, and Huize has integrated the insurance products provided by many well-known insurance companies that are suitable for you, and you are welcome to come to compare and choose. Enjoy Life - Allianz Personal Insurance Plan (Young Women's Edition) Type 1-2 Coverage Content: *Two types of plans can be chosen at will*Accidental medical treatment of 5,000 yuan to 10,000 yuan*8 types of critical illnesses for women are as low as:

320 yuan Taikang eshun female disease insurance coverage:* Breast cancer insurance, women-specific cancer insurance, etc.* Special coverage for female carcinoma-in-situ* Accidental facial plastic surgery insurance as low as: 100 yuan.

Accidents and illnesses are the two main risks faced by white-collar workers, and if you are a 25-year-old white-collar worker, it is necessary to plan a comprehensive insurance plan in time to improve your protection. How to buy insurance for 25-year-old female white-collar workers Personal accident insurance, health insurance and life insurance are suitable for white-collar workers to buy, and for white-collar workers, the perfect protection plan should cover these three main types of insurance

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

I still have some say in this, and I can tell you some experience.

1. Various "injuries" of women in the workplace

1.In modern society, every company is facing fierce market competition and is under tremendous pressure, and these pressures are naturally transmitted to every employee, and the slogan of equality between men and women is vividly expressed in the work. In contrast, men have relatively strong bodies to cope with heavy pressure, while women have to face huge work pressure and work hard to achieve their ideals. They should also take good care of their husbands and children to ensure the happiness and tranquility of the family; However, lumbar muscle strain due to sitting and a lot of housework, cervical spondylosis due to desk work, and the discomfort of having to endure a lot of radiation due to long hours in front of the computer ......Insomnia, depression, lack of energy, irritability, irritability, etc. are all harmful to women's health.

How do I buy insurance for my child? How to buy? Let's take a look at buying insurance for your child and be sure to avoid these pitfalls!

2.At the same time, it is understood that the claim rate of women on diseases is significantly higher than that of men, accounting for the total number of claims. Female diseases such as breast cancer have shown a trend of increasing incidence and earlier onset, and the average medical expenses of women are generally higher than those of men due to physiological and physical reasons.

In real life, the frequent accidents of female compatriots who become ill from overwork make the majority of female compatriots uneasy.

2. Precautions for insuring women's illness insurance.

Generally speaking, women should pay attention to the following points when applying for sickness insurance:

1. Try to choose women's insurance.

Women's insurance is cheaper than ordinary critical illness insurance, and in the case of a limited budget, giving priority to women's insurance is undoubtedly a good way to save money and be effective.

2. Product selection should be targeted.

There are many differences in the characteristics of female major illness insurance, and the public should pay attention to them when applying for insurance. Women's Critical Illness Early Balance Insurance is usually not about how much insurance you can get if you have insured, which involves a question of the effective amount of insurance for each disease. The proportion of the effective sum insured of various diseases covered by the women's illness insurance of different insurance companies in the basic sum insured is also very different.

Therefore, among all kinds of disease insurance, the insurance for women's illness insurance should not only consider the amount of insurance, but also calculate the effective amount of insurance for each disease, which is the compensation that can be obtained when making a claim.

That's all I know, I hope it helps you a little, hehe.

If you have any other insurance questions, please come: more insurance fish talk about insurance! ，

What insurance to buy, it depends on what risks, what responsibilities to bear, single female white-collar workers, although they work indoors every day, the working environment is relatively safe, but there are still a lot of risks. First of all, it is a day from morning to night in front of the computer, just sitting and not exercising, going back at night and brushing the mobile phone to get used to going to bed late, the body's resistance will become weaker, and the older you are, the greater the risk of suffering from some ** diseases, such as breast cancer, which is a high-incidence disease in women; In addition, whether it is going out or indoors, it is difficult to avoid some accidents; In addition, having worked means that you have assumed certain family responsibilities.

Adding up to these, we can summarize that single female white-collar workers may faceRisksIllness and accidentResponsibilities assumed: oneset of family financial responsibility

My advice for these risks and responsibilities is:Critical Illness Insurance, Medical Insurance, Accident Insurance and Life Insurance (optional).

1.Critical illness insurance

Critical illness insurance is to protect against critical illnesses, and the essence of it is ".Loss of Income Insuranceto compensate for the loss of income due to illness or inability to work to care for a sick person. It is possible to receive a claim for this type of insuranceDiscretionThat is, it can be used to treat diseases, and it can also be used for purchase, travel, etc. Critical illness insurance is mainly suitable forUnder 50 years of ageof the crowd buying.

down

2.Medical insurance

We all know that medical insurance is limited by the medical catalog, the starting line, the reimbursement ratio and the cap line, and almost all medical insurance can be reimbursed, which greatly makes up for the lack of medical insurance. I have also summarized the collection of good medical insurance products to you, and you can receive it yourself: super complete!

Comparison table of popular medical insurance in China

3.Accident insurance

We often say that tomorrow and the accident do not know which will come first, no matter what age group people can not avoid accidents, buy accident insurance as protection, be prepared!

4.Life insurance (optional).

Life insurance is mainly aimed at:Breadwinner of the familyFor single female white-collar workers, they generally need to bear the financial responsibility of the family, and in order to prevent misfortune from leaving debts to their families, it is necessary to purchase life insurance. Of course, if you do not need to bear the financial responsibility of the family, this type of insurance can also be purchased.

Accident, inpatient medical, and critical illness insurance is recommended.

Hello! Single female white-collar workers should buy insurance according to their actual needs, but general accident insurance, critical illness insurance, pension insurance, etc. are more suitable products. The specific description is as follows:

1. In the face of the ubiquitous accident risks in life, single white-collar women should take the initiative to purchase an accident insurance in order to escort themselves. Moreover, at present, many single white-collar women have social security and supplementary medical care, but there are many accidents and medical drugs that do not fall within the scope of social security responsibility, and supplementary medical care is more limited in terms of accidents, so it is necessary to appropriately supplement some accident medical insurance, and it is recommended that the amount of accidental medical treatment is about 20,000 yuan.

2. According to hospital statistics, in recent years, the younger age of female cervical cancer, breast cancer and ovarian cancer patients has become more and more obvious, and the proportion of single people is higher than that of married people, so it is necessary for single white-collar women to buy critical illness insurance. When purchasing, you need to pay attention to whether the coverage covers common female diseases, such as breast cancer, cervical cancer, ovarian cancer, female carcinoma in situ, etc. Generally, the cost of **cancer** is 80,000-200,000 yuan, and the ** cost of systemic lupus erythematosus nephritis and severe rheumatoid arthritis is between 50,000-150,000 yuan and 30,000-100,000 yuan respectively.

Therefore, single white-collar women should apply for critical illness insurance, and the insurance amount should be at least 200,000 yuan.

3. Relying solely on social security for the elderly, the life of single female white-collar workers in their later years will inevitably be unsatisfactory, so they also need commercial pension insurance as a supplement, which will allow them to enjoy a happy old age.