I am not yet 30 years old, is it necessary to buy accident insurance?

Nowadays, people are more receptive to the purchase of insurance than before, and people in the past thought that insurance was cheating money, which was a useless thing. Many people will buy accident insurance for themselves, so that they can get compensation from the insurance company in the event of some accidents. A netizen said that he is not yet 30 years old this year, is it necessary to buy accident insurance?

It is necessary to purchase accident insurance.

In fact, we must know that even if you are 20 years old this year, it is necessary to buy accident insurance, because buying insurance itself is an investment behavior, and the premium is not very expensive when you have no accident, but you can get compensation when you have an accident. Therefore, I feel that it is necessary to buy accident insurance at the age of 30, after all, 30 years old is the time when you are young and strong, and you have to often travel outside to work, and you may encounter accidents. After all, we don't know which one will come first, tomorrow or the accident, and buying an accident insurance will give us one more protection.

Benefits of purchasing accident insurance.

In fact, it feels very necessary to buy accident insurance, because when an accident comes, it will not avoid you because you are a man or a woman, or if you are only 30 years old. If you tell it, it won't be an accident, so it's a good idea to buy an accident insurance. For example, some time ago, there was an accident on the subway, and a person slashed someone with a knife and seriously injured a young man's body.

So this kind of accident is something you don't expect, who would have thought that you could actually get injured while riding the subway, and also get seriously injured. At this time, if you buy accident insurance, you can get compensation from the insurance company to reduce your financial losses.

Summary. Therefore, no matter how old you are, you can buy accident insurance, and when the accident comes, you will not choose your age, thinking that your age is relatively young, and will not find you. If you can't afford to buy some accident insurance with a relatively high amount of coverage, you can also buy some accident insurance with a lower premium, although this kind of accident insurance has a relatively low amount of coverage, but it is also useful as an insurance.

From the perspective of responsibility, insurance is a kind of protection, and it is also a responsibility to the family. Economically, the earlier you buy, the lower the premium and the longer the protection.

It is necessary because people are prone to risks or dangers in their lives, so it is very important to buy accident insurance.

It is necessary to buy accident insurance, because accident insurance does not discriminate between ages, and now society is developing rapidly, and the work pressure is also very high.

It is necessary to buy it, and now many people will go to buy accident insurance, because no one knows what will happen tomorrow.

The reason why people aged 20-30 want to buy accident insurance is because the risk of accidents in life is greater, and accidents are not possible, no one knows what will happen in the next second, like the previous plane crash, falling objects, etc., are accidents, and once an accident happens, it is necessary to be injured or killed, so it is necessary to buy an accident insurance in case of emergency.

Accident insurance refers to the insurance company that will pay compensation in the event of death, disability, hospitalization, or other circumstances that meet the contract due to an accidental injury.

Normally, accidents need to meet the four elements of exotic, sudden, unintentional and non-disease.

When choosing an accident insurance product, you should choose one-year accident insurance, so that after the end of the protection period, if you encounter a better product, you can choose to insure a new product, and the flexibility will be slightly stronger. In the case of long-term accident insurance, after the insurance contract is signed, the coverage period and coverage cannot be changed during the validity period of the contract, and the premium of long-term accident insurance will be more expensive than the premium of one-year accident insurance when the insurance content and other conditions are almost the same, and it is not friendly enough for people with a limited budget.

In addition, it is best to include accidental death, accidental disability, and accidental medical treatment, after all, accidental injury is not necessarily death, if it is only an injury, then the product contains accidental medical treatment, you can reimburse a certain amount of ** expenses.

Want to know what accident insurance products are currently available in the market? This collection is for everyone: In 2022, the most worthwhile accident insurance is here.

During this time, I had just entered the society, and the economy was not very stable.

Buy not only for this age! It is a must between the ages of 0 --- 50! Accident insurance is like a person's underwear! It must be indispensable!

Because of this age, young and vigorous, is in the entrepreneurial stage! The economy is not sufficient! High Accident and Term Life Insurance Required! This is a low payment, but the protection is very high!

Buying insurance is buying safety.

Hello! This is the time to enter social entrepreneurship, and the risk of accidents is everywhere.

Between the ages of 20 and 30, there are old and young, haven't you read a set of comics that have exploded recently? Accident insurance is mandatory.

Unexpected risks are everywhere!

At this age, we are starting a business and a breadwinner, so we need to buy accident insurance.

Hello! When buying insurance at the age of 30, you should choose the right insurance products according to your own needs, generally speaking, accident insurance, critical illness insurance, pension insurance and other types of insurance are more suitable. The specific plan is as follows:

1. In order to pass on the economic risks caused by accidents, it is very important to purchase commercial accident insurance. Accident insurance premiums are inexpensive, but the sum insured is high, and if there is an accidental injury that causes disability or death, you will be compensated to a certain extent. If you are the breadwinner of your family, you should make sure you have enough coverage when you buy accident insurance.

The amount of coverage is recommended to be 5-10 times of the annual income, if you are 30 years old and need to take public transportation to and from work, you need to have no traffic accident insurance.

2. Social security can only provide the most basic protection, and the scope and amount of reimbursement are limited. Commercial medical insurance, especially critical illness insurance, is a good supplement, which can solve the shortage of medical funds and greatly reduce the financial burden on families. 30-year-old men are in the rising period of work, most of them are in a sub-health state, a suitable medical insurance and critical illness insurance is very necessary to buy, the amount of insurance should be fully recommended at 100,000 yuan to 200,000 yuan.

When buying medical and critical illness insurance, women in their 30s should pay special attention to women's special diseases, such as breast cancer and cervical cancer, and check whether these common female critical illnesses are covered when purchasing critical illness insurance.

3. In the case that the above guarantees are perfect, 30-year-old people should also consider the future pension plan as soon as possible, and it is recommended to purchase appropriate pension insurance, and make early plans for their later life.

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

1. Of course, consider social security and social insurance, which are often universal and suitable for a wide range of people, involving pension and medical care, etc., which is a basic security, it is necessary to do it in advance, and professional or non-professional 30-year-old people can participate in insurance.

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 if needed, less insurance if not needed, the key is to make appropriate allocation according to individual circumstances. As for other types of insurance, it is recommended that if the economic conditions are better, you can consider pension insurance first and then choose financial insurance, protection first.

3. The remaining children's education insurance, pension insurance, macro hail relatives investment and financial management, inheritance, etc., if economic conditions permit, should consider the future pension plan and children's education as soon as possible, and can consider pension insurance and children's education insurance according to the family situation, and then choose financial insurance and inheritance.

The annual premium is about 15-20% of the annual income, which is more appropriate!

To put it simply, an example of insurance for a 28-year-old man (a total value of 500,000):

1. Assuming that the insured amount is 50,000 yuan, and the guarantee is lifelong, it will be saved for 15 years, and a total of 80,000 yuan will be saved! Chanshan enjoys 8% of the sum insured returned by the insurance company every 3 years! Then you have 270,000 yuan in your account when you are 59 years old, 10,000 yuan per year at the age of 60, a total of 310,000 yuan in 20 years, 150,000 yuan in the account at the age of 80, and 550,000 yuan in the account at the age of 100!

2. Attach a comprehensive accident hospitalization medical insurance! Includes all accidents caused by accidental hospitalization! The reimbursement rate is 80%!

3. You can attach a critical illness insurance to protect you until you are 88 years old, pay for 20 years, have an insurance amount of 80,000 yuan, and pay a total of 50,000 three, you can get 40 kinds of critical illness protection, enjoy the triple illness compensation mechanism, and enjoy the annual dividend and final dividend at the same time, and receive a one-time maturity payment of 80,000 yuan when the contract is terminated at the age of 88!

4. You can attach term life insurance products to enjoy high value, pay until the age of 55 and protect until the age of 55, the protection amount is 300,000 yuan, the annual payment is 1,800 yuan, and it can be converted into a pension product after the expiration date!

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

Standing in their thirties, a 30-year-old person is usually the main pillar of the family, supporting the family at the same time, but also to pay off the car loan and housing loan, and the pressure of work should not be underestimated, any risk may lead to a family crisis, so for people of this age, it is urgent to buy insurance to transfer the risk.

So what kind of insurance is better for people of this age? It's best to configure all of these:Critical illness insurance + medical insurance + accident insurance + term life insurance

1.Critical illness insurance

Nowadays, critical illness is no longer exclusive to the elderly, and people who are 30 years old are also very likely to suffer from serious illness. Many serious illnesses take a lot of time, plus the later expenses and lost work due to illness, can you cope with it? So, hurry up and configure yourself with a critical illness insurance protection.

2.Medical insurance

People at this age not only need to prevent serious illnesses, but also minor illnesses and disasters that may occur at any time in life also need to be paid attention to. Buy a million medical insurance, with a premium of a few hundred yuan a year, you can enjoy millions of protection, and solve the part that cannot be reimbursed by medical insurance. In order for everyone to buy cost-effective products, I have compiled a list, and the millions of medical insurance you want to buy are here:

Freshly baked! Millions of medical insurance points suitable for 30-year-olds

3.Accident insurance

You never know which will come first, the accident or tomorrow, and although this is a sentence that is about to be said rotten, we cannot deny its truth. Accident insurance is a type of insurance that everyone should start with, and it is also very low. Once an accident happens at this age, what should the wife, children, and parents do at home?

Therefore, accident insurance must be configured.

4.Term life insurance

At this age, while supporting your parents, you also have to raise children, pay off your car loan, and buy health insurance, remember to focus on death protection. In the unfortunate event of death, it will be a heavy blow to both parents and wife and children, and life insurance can partially assume your responsibility for taking care of your family, leaving a minimum of financial compensation to protect your family's life.

When people around the age of 30 choose insurance, the first consideration should definitely be social security, followed by accident insurance, medical insurance, critical illness insurance in commercial insurance, and then financial insurance if economic conditions permit.

At present, there are many insurance products, it is easy to buy wrong, spend money in vain, more than ten years of experience in mint insurance consultants have compiled this content, teach you to buy the most suitable insurance with the least money! Click on "How to buy insurance at the best price?" Buy it this way, protect it all, and save money! 》

At the age of 30, the family is generally in the position of the pillars of the family, and it is necessary to take on more family responsibilities, and it is necessary to purchase critical illness insurance, accident insurance, medical insurance and life insurance when configuring insurance.

Generally speaking, consumer-based accident insurance and medical insurance are more cost-effective, but generally after the age of 35, the advantages of consumer-based insurance in terms of premiums are no longer obvious, and after the age of 40, the premium of consumer-based critical illness insurance has increased significantly, and it is not cost-effective to re-insure consumer-based critical illness insurance at this time. Therefore, if the economic conditions permit, you can still choose the return-type long-term insurance to ensure the long-term protection needs.

Start with the unexpected, learn slowly, and buy slowly.

Accident insurance, also known as accident insurance, refers to life insurance that takes death or disability caused by accidental injury as the condition for paying insurance benefits.

Accidental injury refers to an external, sudden, unintentional, and non-diseased objective event that causes physical harm.

At present, the common accident insurance on the market includes: comprehensive accident insurance, traffic accident insurance, and travel accident insurance.

Tips for Applying for Accident Insurance:

1. Accident insurance is consumer-based insurance, which has little to do with age, and is mainly for one year.

2. The effective date of accident insurance is usually 0:00 on the next day of purchase without special provisions, and the purchase on the same day does not take effect, and it needs to be purchased in advance;

3. Insurance exclusions usually include: drunk driving, driving without a license, drug abuse, suicide, etc.;

4. In order to avoid moral hazard, the maximum amount of accident insurance for minors is 100,000 yuan;

5. Usually "sudden death" is considered to be caused by illness and is not covered by accident insurance.