What is the best insurance for a 35 year old woman?

We buy insurance in order to buy protection, so the senior sister suggests that 35-year-old women give priority to protection-type insurance such as critical illness insurance, accident insurance, medical insurance, and life insurance. When the basic protection is done, consider financial insurance. For those who don't know much about the above types of insurance, you can read this article first:

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. Life insurance. Most of the 35-year-old women are important breadwinners of the family, so they are in great need of life insurance protection. In the unfortunate event that the insured dies or becomes totally disabled during the coverage period and meets the corresponding claim conditions, the insurance company will pay the corresponding insurance benefits.

This money can be left for the family to cover the corresponding debts of the family, so as to avoid the instant collapse of the family's finances and ensure the subsequent life of the family.

2. Accident insurance.

Accident insurance mainly covers accidental death and accidental dismemberment, and some products also include accidental medical treatment. A 35-year-old woman who usually commutes to work and goes out shopping is threatened by unexpected risks all the time, so it is very necessary to have an accident insurance.

3. Medical insurance.

Presumably, many 35-year-old women have medical insurance, but the coverage and reimbursement ratio of medical insurance are limited, and when we really suffer from critical illness, the role of medical insurance is limited, which is very necessary to configure medical insurance as a supplement. If we want to be more protected, we might as well consider the Million Medical Insurance, which is also very cost-effective, and can usually buy millions of insurance dollars with a few premiums a year. Senior sister has counted the ten most worthwhile millions of medical insurance, friends can click on this article to see:

The latest top 10 million medical insurance rankings are newly released!

4. Critical illness insurance.

Critical illness insurance mainly covers critical illnesses, and its role is to provide medical expenses and compensate for loss of income. When women allocate critical illness insurance, they can give priority to critical illness insurance with specific female diseases, so that the protection is more comprehensive. Senior sister has compiled a list of critical illness insurance that is super suitable for women, you may wish to refer to it:

Inventory of the top 10 critical illness insurance that women are worth buying!

Accident insurance, critical illness insurance and pension insurance.

Among these types of insurance, life dividend insurance is better, if you don't have a unit now, buy the life insurance of the insurance company. There are 4 major policies in life: accident, illness, health, and pension.

At the age of 35, if the economy allows, you can consider buying a Chinese life 200 peace card to protect accidents (one year of short-term insurance), New Corning Insurance 50 major diseases (lifelong), pay in advance, and pay about 10,000 per year if you buy 300,000 insurance.

The main types of insurance suitable for 35 years old are accident insurance, critical illness insurance, life insurance and medical insurance.

1. Accident insurance: low insurance threshold, low premium, and total disability protection for accidental death, suitable for most people to buy;

2. Critical illness insurance: Critical illness insurance: Critical illness can be claimed if the critical illness agreed in the contract is diagnosed, with strict underwriting, high health requirements, and suitable for healthy individuals to be insured;

3. Life insurance: protect the death, take the death of the insured as the payment condition, compensate for the loss of the family, and is suitable for the purchase of the family's economic support;

4. Medical insurance: As a supplement to social security, medical expenses can be reimbursed to provide necessary protection for individuals.

Extended information: Insurance is a Chinese word, pinyin is bǎo xiǎn, English is insurance or insuraunce, the original meaning is safe and reliable protection; It is a tool used to plan life finances, a basic means of risk management under the conditions of market economy, and an important pillar of the financial system and social security system.

Insurance refers to the commercial insurance behavior in which the insured pays the insurance premium to the insurer according to the contract, and the insurer bears the responsibility for compensating for the property damage caused by the occurrence of the accident that may occur as agreed in the contract, or the insured bears the responsibility of paying the insurance money when the insured dies, is disabled, sick, or reaches the age and time limit agreed in the contract.

From an economic point of view, insurance is a financial arrangement for apportioning the loss of an accident; From a legal point of view, insurance is a contractual act, a contractual arrangement in which one party agrees to compensate the other party for its losses; From a social point of view, insurance is an important part of the social and economic security system, and it is a part of social production and social life"Delicate stabilizer";From a risk management perspective, insurance is a method of risk management.

The value of the insurance.

The insured value is the actual value of the subject matter of the insurance. According to the provisions of the Insurance Law of the People's Republic of China, if the policyholder and the insurer agree on the insured value of the insured object and specify it in the contract, the agreed insured value shall be used as the compensation calculation standard when the insured object is lost.

If the policyholder and the insurer have not agreed on the insured value of the insured object, the actual value of the insured object at the time of the occurrence of the insured event shall be used as the compensation calculation standard when the insured object is lost.

In simple terms, the value of insurance can be determined in three ways:

1. According to the provisions of the law and the contract law, the law and the contract law are the fundamental basis for determining the value of insurance;

2. According to the insurance contract and the agreement of both parties. The insured value of some insurance subject matter is difficult to measure, such as life insurance, health insurance, and the human body and life span cannot be measured in money, then the insured value is agreed by both parties;

3. Determine the insured value according to the change in market price. The insured value of some insurance objects is not constant all the time. Most of the underlying assets also depreciate over time, and their insured value tends to decline.

Women's insurance is an insurance product designed for women, and its main feature is the protection for critical illnesses that are unique to women. Women's physiological characteristics are different from men's, so there are some diseases that women are insured. Women's insurance products generally include benefits such as carcinoma-in-situ, female-specific surgery, and plastic surgery.

In addition, some women's insurance plans will include benefits for pregnancy sickness and neonatal illness.

The order of buying insurance for women should be accident insurance, health insurance (critical illness insurance and medical insurance), and then consider the types of insurance with functions such as pension and dividends. According to insurance professionals, when women buy insurance, they can also buy insurance according to their age, marriage, economic income and other needs.

Married women should increase critical illness insurance, women reach the age of 30, as the position becomes higher and higher, the pressure is increasing, and the family is also in a stable marriage period. All things considered, medical insurance should be added to the basis of accident insurance. For middle-aged women over the age of 40, in addition to accident insurance and critical illness insurance, they can also choose insurance products with financial management functions, and plan for their own pension, and you can buy some insurance products with financial management and pension functions.

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

[Insurance] which is good, how to buy a good deal, hand in hand to teach you to avoid these pitfalls of insurance

Women aged 35 are given priority in applying for critical illness insurance, million medical insurance, accident insurance and term life insurance.

Nowadays, many diseases show a trend of younger people, and some 35-year-old women will have some bad lifestyle habits, such as lack of exercise, sedentary and so on. In addition, many 35-year-old women also bear the dual pressure of family and workplace, so the body often bears a certain burden. Therefore, the risk of disease in women aged 35 is not negligible.

For the risk of disease, critical illness insurance and million medical insurance are more suitable for 35-year-old women.

Equipped with critical illness insurance, if a 35-year-old woman unfortunately suffers from a related disease, if eligible, the critical illness insurance will pay the corresponding insurance benefits. Equipped with million medical insurance, if eligible, million medical insurance can reimburse high ** expenses on a pro rata basis.

With both critical illness insurance and million-dollar medical insurance, the health protection of a 35-year-old woman will be more adequate!

Friends who have critical illness insurance needs, you may wish to take a look at this list of critical illness insurance products suitable for 35-year-old women

Recommended for you at the age of 35, the top 10 cheap and well-priced critical illness insurance points!

In addition, it is also very necessary for a 35-year-old woman to have accident insurance.

It is important to know that accidents are uncertain and often cannot be predicted, and people of all ages need to be aware of their own accident risks, and 35-year-old women are no exception. Accident insurance is ideal for women aged 35 because it transfers the financial risk of accidental injury to the insured person when eligible.

Many 35-year-old women have become the breadwinner of the family, and for the breadwinner, term life insurance is also very much in need of allocation!

Imagine, if the breadwinner of the family unfortunately dies, the main economic ** of the family may be cut off, and supporting the elderly, raising children, etc.

If term life insurance is pre-configured, it can pay a lump sum to help families survive a financial crisis if they are eligible. It can be said that term life insurance is insurance for families.

For those who don't know about term life insurance, don't miss this guide:

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