What insurance details are suitable for young people around 20 years old

Commercial insurance can be bought and should be bought.

Generally speaking, accident insurance must be bought, because the risk of accident objectively exists, as Xiao Shenyang said: "This life is short, the eyes are closed, and a day has passed; If you don't open your eyes, this life will pass! "We don't live for ourselves, everyone has their own responsibilities, we have to think about what happens to our parents, lovers, children once this unexpected risk happens to us?

How do we fulfill our outstanding obligations?

Of course, medical insurance (accident medical treatment, serious illness medical treatment and inpatient medical care) should also be considered, which is responsible for one's own health, taking precautions, and making a reasonable transfer of risks to medical expenses that may arise in the course of life, so as to minimize the impact of medical expenses on family finances.

Of course, children's education savings and their own pension expenses also need to be planned in advance, so education savings insurance and pension insurance also need to start saving at the appropriate time.

As for wealth management insurance, you can arrange it according to your own financial situation.

Of course, the premiums of commercial insurance are all paid by yourself. If possible, it is recommended to enroll yourself in the New Rural Cooperative Medical System, urban medical insurance or social security, after all, this is the welfare of the state, and it is the best choice to supplement the commercial insurance while having the national welfare guarantee.

Hope the above can help you.

Peace and health!

Hello friends.

1. About yourself.

1. Accident insurance can be bought.

2. Whether you can buy critical illness insurance and life insurance depends on liver function.

Depending on your health condition, you may have to increase the fee, except for liver disease liability, and the most serious is the denial of insurance.

2. About your girlfriend.

1. The principle of purchasing insurance: protection first and then financial management.

The essence of insurance is protection. To put it simply, insurance is divided into two categories: protection and financial management. Protection insurance (e.g. critical illness, accident, hospitalization, etc.) is characterized by lower premiums and higher coverage amounts.

The underwriting of wealth management insurance (such as pensions) is relatively simple, but the amount of protection is relatively low.

2. A comprehensive protection plan should integrate critical illness, accident, hospitalization, bump and premium waiver, etc.

The premium waiver function is unique to insurance and is fundamentally different from other financial instruments.

3. Our company has a suitable insurance plan for your girlfriend, and you can contact me separately for details.

There are definitely limits to what you can buy for your health!

As a healthy girlfriend, you can consider health insurance (women's maternity insurance) and accidental medical insurance for her!

It depends on whether the insurance you buy is covered by hepatitis B. There is no problem in buying accident insurance, I am about the same age as you, the first thing we need to buy is accident insurance, and then consider medical treatment and critical illness, it is recommended to buy a protection type, which has little financial pressure on us, and at the same time the protection cannot be ......

The accident card I bought on the word-of-mouth financial management network**, 160 yuan for 20w, and they **returned** the card, you can take a look, I also bought a regular critical illness myself, so it is cheaper ......

Your question is very professional, and you need to go to the local insurance company to find a detailed consultation with the business staff before deciding.

Under normal circumstances, people around the age of 20 are suitable to buy these three types of insurance: critical illness insurance, million medical insurance, and accident insurance.

Young people who don't know how to configure insurance for themselves can read this article: How do young people buy insurance? In this configuration, the premium is cut in half!

1. Critical illness insurance.

Critical illness insurance can also be called critical illness insurance, mainly for the contract of disease to provide protection insurance, during the critical illness insurance protection period, if the insured unfortunately suffers from the disease agreed in the policy and meets the conditions for claims, the insurance company will pay a sum of insurance money according to the agreement, this insurance money we use to pay the first fee or leave it to the family, the general insurance company will not pay attention to where we spend the insurance money.

For those who don't know what diseases are covered by critical illness insurance, you can read this article: What diseases does critical illness insurance cover? If you don't know these, don't buy them randomly!

2. Million medical insurance.

Million medical insurance can be said to be a supplementary insurance to medical insurance, mainly to reimburse the ** expenses incurred by our illness and hospitalization. Compared with medical insurance, the reimbursement amount of million medical insurance is relatively high and the scope is relatively wide, not only that, but the million medical insurance on the market can also reimburse imported drugs.

3. Accident insurance.

Accident insurance is mainly to protect personal injury caused by external, sudden, unintentional, and non-disease events, and accidents are fair to everyone, so it is necessary to configure an accident insurance for yourself.

People around the age of 20 are generally more suitable to give priority to purchasing critical illness insurance, million medical insurance, and accident insurance.

During the insurance period, if the insured unfortunately suffers from an illness as agreed in the contract and meets the conditions for claims, the insurance company will pay a sum of insurance money according to the agreement.

In addition, the use of this money is unlimited, not only for critical illness, but also for follow-up recuperation expenses and nutrition expenses.

Hello! It is recommended that accident insurance be the first priority, followed by health insurance, especially health insurance for critical illnesses; Finally, it is recommended that young people buy a life insurance for themselves, those with average financial strength can choose high-quality and low-cost term life insurance, and if they have strong financial strength, they recommend whole life insurance or both-life insurance. For more information about young people buying insurance, you can click to view the special topic provided by the summary of young people's insurance knowledge.

For young people, the first step is to improve social security.

Commercial insurance considers "accident + medical".

From the perspective of risk, the consequences that an accident can lead to are nothing more than death and disability, the former will bring emotional damage and huge financial losses to the family; The latter can lead to a sharp drop in income and a sharp increase in spending, putting oneself and one's family in a difficult situation. The main health risk is that in the event of a serious illness, there is a diminished or loss of work ability and high medical costs. Therefore, it is necessary to consider the potential risks that may exist according to the current income situation, and plan the corresponding life, accident and health care coverage amounts.

Finally, after improving the protection, consider financial management, and there are many ways to manage money, not limited to insurance.

The insurance must be analyzed and communicated in detail according to their actual situation, and only then can a reasonable amount of insurance and a suitable plan be set. It's not as simple as just buying and selling a product, and without analysis, blindly recommending products is not responsible for customers, otherwise it is yourself who loses.

The meaning of insurance is protection, no matter which type of insurance of that company, there is no good or bad, the most important thing is what kind of insurance plan is really suitable for you and can solve your own worries.

At the age of 20, under the premise of social security, you can pay attention to the care of serious illnesses, strengthen the protection of accidents, and supplement the shortcomings of medical expenses.

Finally, you can reasonably plan financial management, pension replenishment and reserves.

There is social security, which should mainly be supplemented with accident insurance and accident injury medical insurance. Then there is a certain amount of critical illness insurance.

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

According to the principle of protection first and then financial management, it is better for young people around the age of 20 to give priority to purchasing protection insurance such as critical illness insurance, million medical insurance and accident insurance.

1. Critical illness insurance.

With the development trend of the disease at a younger age, coupled with irregular work and rest and eating habits. The probability of getting sick in young people around the age of 20 is not low. If you are unfortunate enough to suffer from a serious illness, you may not be able to continue working, and your income from work will be affected.

In addition, living expenses during the illness and subsequent recuperation expenses are a significant expense.

The use of the claim money of critical illness insurance is unlimited, which can not only be used to make up for the economic loss of the insured during the illness, but also can be used for the insured's subsequent ** medical expenses and living expenses.

Below, the senior sister has compiled a list of cost-effective critical illness insurance suitable for young people around 20 years old, friends in need can take a look:Recommended for you around 20 years old, top 10 cheap and good price critical illness insurance points!

2. Million medical insurance.

For many young people around the age of 20, they have just entered the society, they have not worked for a long time, and they do not have a lot of money and savings on hand. If you unfortunately suffer from a serious illness, the cost of the first expense is often hundreds of thousands or even millions, and it is often difficult for this group of people to afford it. The million medical insurance is a reimbursement type insurance, which can reimburse the medical expenses incurred by serious illnesses, and the maximum amount you can spend is reimbursed.

To a certain extent, it can reduce the burden of serious illness** costs.

3. Accident insurance.

Many young people in their 20s are office workers, and they need to shuttle between various means of transportation every day, which is full of unexpected risks. Therefore, it is also necessary to purchase an accident insurance to help reduce the financial risk caused by accidents.

Hope.

Brother Bao said insurance, focusing on insurance product evaluation! 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: a list of the top ten insurance companies "worth buying" popular critical illness insurance!

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 increasing, and they begin to plan their own future, and their awareness of insurance is constantly improving, but young people's ability to identify is still not high enough, and the information of insurance is complicated, so it is not easy to choose the right insurance for themselves, so I made an answer to how to configure insurance at the age of 20.

Young people mainly face these problems:

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) Long working hours and high expectations of all parties have caused many problems to emerge, causing a lot of stress, such as vascular diseases, hypertension, stroke, cancer, acute myocardial infarction and other major diseases are very high.

The analysis shows that at this age, it is necessary to choose the insurance with comprehensive protection for the disease, and you can configure accident insurance + critical illness insurance + million medical insurance.

1.Critical illness insurance.

According to WHO data, 75% of 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 young people have also become a group with a high incidence of serious illnesses. Critical illness insurance protects critical illnesses, moderate and mild diseases, and most young people cannot afford to pay hundreds of thousands of ** expenses for critical illness, and they also need a critical illness insurance protection at this age.

Here's a table of critical illness insurance**:

It can be found that the sooner you buy critical illness insurance, the cheaper it is, and if you unfortunately get sick, there are some things that you can't buy again, and the sooner you buy critical illness insurance, the better.

I'm afraid of stepping on the pit and choose it directly here:

2.Accident insurance.

The amount of accident insurance is only about 100 yuan, to protect accidental disability and death, young people with a small budget are suitable to buy one, buy an accident insurance before buying others, for young people, pay more attention to the accident insurance with sudden death.

3.Million Medical Insurance.

Million medical insurance mainly reimburses for hospitalization, and many excellent medical insurance also comes with a green channel for medical treatment, which can provide proton heavy ions**. The reimbursement amount of several million yuan a year only needs a few hundred yuan, and there is no need to be afraid of insufficient budget.

Worried that someone would step on the pit, I prepared an inventory:

1. First of all, of course, consider social security, social insurance, often wide, 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.

2. Commercial insurance is the second step after improving social security. Due to the large number of types of commercial insurance, this can be focused on some aspects of protection, more insurance for what is needed, less insurance for what is not needed, the key is to make appropriate allocation according to individual circumstances.

3. Choose the type of commercial insurance, it is recommended to give priority to accident insurance, health insurance, focus on critical illness insurance, as for other types of insurance, it is recommended that if the economic conditions are better, you can first consider pension insurance and then choose financial insurance, protection first.

4. In general, it is recommended that the premium expenditure should be controlled by about 10% to 15% of the annual family income, not too much, not too little, if more, it will affect the level of other family expenditures, and if it is less, it may not play a role in protection.

For young people in their 20s, I recommend buying medical insurance or social security, and other things that are not needed.

Hello! For 20-year-olds, they should choose the right one according to their actual situation, such as accident insurance, health insurance, etc., and if the family economy allows, they can also buy a suitable life insurance. Here's how:

1.If you are still studying, it is recommended that you give priority to applying for a college student medical insurance, so that you can use the most affordable** to improve the basic medical insurance.

2.Considering that 20-year-olds have impulsive personalities and are prone to accidents, personal accident protection is essential for you.

3.In addition to the above-mentioned protection, add appropriate commercial health insurance, such as critical illness protection plan. 4.

If financial resources permit, you can also consider life insurance, which can not only bring protection and income to yourself, but also be responsible for your family. When a 20-year-old buys insurance, the one that suits him is the best. There are a variety of insurance products suitable for your 20-year-old, so you may wish to compare and choose.

Auspicious Year Comprehensive Accident Insurance Coverage Content: * Accidental Injury 100,000 Yuan * Passenger Transportation Passenger Accidental Injury Aircraft 500,000 Yuan * Accidental Medical Insurance Benefit, and Accidental Hospitalization Allowance as Low to: 100 Yuan White-collar Health Series Protection Content:

Accidental Death Disability Burns Medical Treatment Hospitalization Allowance * Critical Illness Insurance Benefit * Public Transport Accident as Low as: From 350 Yuan Recreation and Worry-Free Insurance (Participating Type) Coverage Content: * Covering 33 Critical Illness Protections * 10 Years of Payment for 20 Years of Protection * Return at Maturity - 110% Payment of Maturity Insurance Premiums Minimum Monthly Cost:

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