With an annual income of about 30,000 yuan, a 24 year old female, she plans to take out long term wo

Hello! The importance of women in life is self-evident. However, due to their special physical characteristics and work-life pressures, they are often vulnerable to health risks such as diseases.

A 24-year-old woman with an annual income of about 30,000 yuan is very suitable to buy a women's insurance for herself. As for how to choose the right long-term women's insurance product for you, it is recommended that you consider it according to your specific protection needs.

How can a 24-year-old woman with an annual income of about 30,000 yuan buy suitable long-term female insurance?

1. When choosing an insurance product, you should consider all aspects of accident, medical treatment, and term life insurance.

2. Do not blindly choose products with a long cycle, and it is best to have a clear grasp of the economic situation in the next 5 years before applying for insurance.

In short, I would like to remind you that a 24-year-old woman with an annual income of about 30,000 yuan buys long-term women's insurance for herself, and you need to comprehensively compare the women's insurance products of various insurance companies. You are free to choose the right women's insurance product according to your own protection needs, welcome to refer to it.

Xueba talks about insurance, focusing on insurance evaluation! When women buy insurance, it is best to buy a cost-effective critical illness insurance, and I have made a comparative analysis of the more popular critical illness insurance on the market:"Super Full Comparison! Comparison Table of 136 Popular Critical Illness Insurances in China

It is recommended to collect. It is recommended that when women buy insurance products, they should combine their age, physical fitness, family situation, income level and other factors to decide. Friends who are too lazy to look at the analysis and want to find the answer directly, you can look at this list that I have painstakingly sorted out:

"Inventory of the Top 10 Critical Illness Insurance Worth Buying for Women! 》

At the age of 20-30 yearsMost women have not been working in the society for a long time, and their economic income is not stable, so it is recommended that those in this age group buy critical illness insurance and accident insurance first. Even if you think it's expensive, you can also choose to buy regular critical illness insurance, such as covering it until the age of 60, which is only about 1,000 yuan a year; You can also buy a smaller sum insured, and a whole life critical illness insurance with an amount of 100,000 is also about 1,000**. I have made a comparative analysis of the more popular critical illness insurance, and compiled a list of critical illness insurance suitable for women of this age group to buy

"Inventory of the Top 10 Critical Illness Insurance Worth Buying for Women! 》

The risk of accidents is always there, and no one can decide whether accidents will happen or not, so accident insurance is a must. Generally, accident insurance with an insurance amount of tens of thousands of yuan only costs a few dozen yuan, which is very cheap.

Female friends aged 30-45Most of them have already started a family and have taken on the financial responsibilities of their families, so they must buy critical illness insurance and life insurance at this time. If you are not the first priority of your family's financial expenses, you can choose those with a lower sum insured when buying life insurance. However, the sum insured of critical illness insurance cannot be reduced, and if the budget is sufficient, you can buy as high as you can.

Because during this period, women are more likely to get major diseases such as cervical cancer and breast cancer, and critical illness insurance is to ensure that your family's basic life is not destroyed when you unfortunately suffer from a major illness, and you will not be without money**.

Age inOver 45 years oldWomen who have not yet purchased critical illness insurance should do so as soon as possible. Because if you are over 50 years old, buying critical illness insurance is not only expensive but also difficult to buy. At this time, women are very prone to illness and hospitalization, so it is necessary to configure some medical insurance that can reimburse the cost of large, such as million medical insurance.

Here's a list of million-dollar medical insurance plans for people over the age of 45:"[Over 45 years old] super cost-effective million medical insurance ** points".

If you are interested, you can take a look.

A 26-year-old unmarried woman is advised to buy critical illness insurance, medical insurance and accident insurance. The specific amount of insurance to purchase can be selected according to your actual situation. Let's talk about why you buy these kinds of insurance.

1. Critical illness insurance.

Critical illness has always been lurking around us, we all know that the cost of critical illness is very expensive, and once unfortunately suffering from critical illness, it may face economic collapse. The role of critical illness insurance is to help us transfer the economic risk of critical illness, and when we unfortunately suffer from critical illness and meet the requirements of the insurance company, we can get compensation.

Considering that there are many critical illness insurance products on the market, the intimate senior sister has sorted out some cost-effective ones, and you can take a look if you need them: recommended to you at the age of 26, the top ten cheap and well-priced critical illness insurance points!

2. Medical insurance.

Medical insurance can be used to reimburse reasonable medical expenses and reduce the cost of daily medical care.

3. Accident insurance.

We can't ** tomorrow or the accident which comes first, so buy accident insurance, when we suffer an accident injury and meet the provisions of the insurance contract, we will get compensation, so as to transfer the economic risk caused by the accident to us. Moreover, the premium of accident insurance is cheap, which is very suitable for young people with a small budget.

Finally, I would like to tell you that buying insurance is related to our own interests, so we should carefully read the insurance contract when buying, so as not to damage our interests. If you don't know what to pay attention to when reading an insurance contract, you can take a look at this article: teach you to identify the pitfalls in the insurance contract!

Buying insurance is like buying clothes, you have to buy the most suitable one, if you are interested, you can contact me to design a suitable insurance product for you for free (Ping An Insurance), and finally say that women should take care of themselves the most, and they are the biggest capital.

The plan given to you by this ** person is worthless!

It's either unprofessional or doesn't respect you!! The fact that you Peihong's actual income is contrary to his plan.

26 years old, just started work, will not have much income. Besides, you repay the loan of 2,000 yuan per month. This plan for you, you don't need to look at it at all.

With your own salary, you can't afford it at all!! Even if you can afford it, it's also quite a low guarantee, and it's not all bad.

The main insurance whole life insurance accounts for a considerable amount of expenses, but the protection is only 100,000 yuan. It can be replaced by consumption for a short-term 10-year or medium-term 15-20 years.

Accident insurance only covers $50,000. In the event of a major accident, the money left to your parents is only 50,000 yuan. Parents have raised them for 20 years, is it only worth 50,000 yuan?

The insurance of this company is so weird. Saw several doing this. The main insurance is life insurance, and you have to pay ** life insurance.

There is only accidental medical treatment in accidents, and there is no medical treatment for diseases. The risk of disease is shielded and left to the customer.

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

There are three main types of critical illness insurance products for women on the market. The first type is medical insurance that provides women with cosmetic surgery guarantees, the second type is women's critical illness insurance, and the third type is maternity insurance, which generally covers all adult women. Critical illness insurance with high value:

First, the annual premium income of insurance products specially developed for women accounts for about 10% of Zhonghong's total premiums, and women generally consider three aspects when planning their own insurance plans: supplementary pension, critical illness guarantee and regular survival cash. It is of great significance for women to buy women's critical illness insurance, so it is best for women to buy special women's critical illness insurance after they have a certain economic foundation, and the protection period is better longer, so as to better protect women's own health.

Critical illness insurance refers to the commercial insurance behavior handled by the insurance company to cover specific critical diseases, such as malignant tumors, myocardial infarction, cerebral hemorrhage, etc., and when the insured suffers from the above-mentioned diseases, the insurance company will provide appropriate compensation for the medical expenses spent. According to whether the premium is refunded, it can be divided into consumption-based critical illness insurance and return-based critical illness insurance.

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

Brother Bao said insurance, focusing on insurance product evaluation! At the age of 24, the money saved is still very small, and I dare not treat it when I am sick, and I am even more afraid that when I encounter a major illness, I will be at a loss

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, they know how to plan for the longer term, and their awareness of insurance is constantly improving, but the ability of young people to identify is still not high enough, and there are many insurance products that are dazzling, and it is not easy to pick the right insurance for yourself, so I vomited blood and integrated a 24-year-old strategy to buy insurance for myself.

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) Irregular life and rest, facing marriage problems, all kinds of superimposed pressure is very large, and it is easy to suffer from major diseases such as vascular disease, hypertension, stroke, cancer, acute myocardial infarction, etc.

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 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 young people are increasingly prone to major diseases. Critical illness insurance protects critical illnesses, moderate and mild diseases, and it takes hundreds of thousands of critical illness expenses at every turn, and many young people can't afford it, so it is necessary to buy a critical illness insurance.

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

If you don't buy it early, once you suffer from a minor illness, the insurance company will not let you buy it, and the sooner you buy critical illness insurance, the better.

2.Accident insurance.

It only takes about 100 yuan to buy an accident insurance with an insurance amount of hundreds of thousands of dollars, protecting accidental disability and death, young people with a small budget can also afford it, and you can configure accident insurance before buying other insurance.

3.Million Medical Insurance.

Million medical insurance is mainly to reimburse hospitalization, and many excellent medical insurance also comes with medical treatment Green Town to return to the noisy channel Shichai, which can provide proton heavy ions**. Two or three hundred yuan a year, the maximum reimbursement is several million, and it is acceptable without a high budget.

Hello! According to your situation, the annual income is 40,000 yuan, about 3,000 a month, the income is low, and the monthly cost of insurance is not much, so it is recommended to improve the basic protection, such as accident insurance and health insurance. The specific description is as follows:

1. Accident risks are everywhere, 28-year-old you should give priority to accident insurance, pay attention to additional accident medical treatment when applying for insurance, so as to give yourself comprehensive protection, and its premium is not expensive, generally only a few dozen yuan to a few hundred yuan a year can get hundreds of thousands of yuan of protection, cost-effective. The 1-2 year plan of Anxin Long Term Comprehensive Accident Insurance can cover up to 300,000 yuan, with a minimum premium of 58 yuan a year.

2. Disease has become a major killer of human beings, and at the age of 28, you belong to the stage of struggle, and are more likely to suffer from diseases due to stress, irregular work and rest, etc., so you should buy a health insurance, especially critical illness insurance. Since the medical expenses for critical illnesses are usually between 100,000 yuan and 300,000 yuan, it is recommended that the insurance amount be around 300,000 yuan. The Taikang e-Shun female disease insurance is a consumer-based insurance, with an insurance amount of 300,000 yuan and 600 yuan a year.

Brother Bao said insurance, focus on insurance evaluation! What insurance should you buy for a 28 year old? You can take a look at this article:

The age of 28 is a good time to buy insurance, and the physical fitness is higher than that of other ages, not only the premium is cheaper, but also the variety of products that can be selected will be larger. So let me introduce you to what kind of insurance you should buy at this age.

1.Social health insurance.

At the beginning, we need to configure social health insurance first. As we all know, social medical insurance is a benefit given by the state, and in order to respond to the call of the country, everyone actively cooperates with the purchase of medical insurance. The basic protection of social medical insurance is more comprehensive and affordable.

2.Critical illness insurance.

Among commercial insurance, the most worthwhile purchase is critical illness insurance products. Before introducing the types of critical illness insurance, you can take a look at the following data: Lung cancer, which was once considered a cancer of the elderly, has also shown a trend of younger age in recent years, with the youngest being only in their teens. In addition, the incidence is higher in males than in females, especially after the age of 35.

These data are warning us that critical illness insurance is not only for the elderly, but also for the elderly, and we should start to pay attention to our own body and not take chances. The sooner you buy critical illness insurance, the cheaper the premiums will be, so you should do your homework as soon as possible to buy critical illness insurance products.

3.Commercial medical insurance.

Some people think that commercial medical insurance and social medical insurance can choose one or the other, but the two are completely different types of insurance;

To put it simply, commercial medical insurance is a supplement to social medical insurance. If there is a small illness, the use of medical insurance can indeed deal with it; If you are unfortunate enough to have a serious illness, social security can only reimburse 40% of the expenses in the secondary hospital, so the rest of the medical expenses can only be borne by yourself, which may be a heavy burden for ordinary families;

Then the supplementary role of commercial medical insurance is also here: the remaining 60% is the part that needs to be reimbursed by commercial medical insurance, so that it can relieve a lot of pressure for the general economic situation.

It is advantageous to buy a million medical insurance in medical insurance, first of all, its premium is low, only a few hundred yuan a year, and you can get millions of insurance amounts. Secondly, its coverage is very comprehensive, such as surgery fees, examination fees, drug fees, etc.

4.Accident insurance.

In the face of accidents, everyone is equal: for example, at the age of 28, you may also encounter accidents such as accidental slipping on the road and being injured, traffic accidents, etc.; Therefore, it makes sense to buy an accident insurance for yourself, not to mention that an accident insurance is cheap, as low as 100 yuan.