What kind of insurance is good for 24 year old MM.

I think that if you are a young and middle-income MM like you, you can consider Allianz's insurance. I am the ** staff of Allianz, and I have many friends of your age, and when they are considering applying for insurance, they choose Allianz Ankang Yisheng Comprehensive Insurance Plan.

Our advantage lies in the wide coverage of 32 critical illnesses, 20% of the sum insured will be paid as a congratulatory gift at the age of 60, and 100% of the sum insured will be refunded at the age of 70 or 85. Let's say you have an insurance plan worth $100,000. When you are 60 years old, we will give you 20,000 yuan, and when you are 70 years old, we will give you another 100,000 yuan.

To get this insurance money, you only need to invest 10 yuan a day.

Another advantage of Allianz is that you can choose to pay monthly. MM like you must also like to shop, consume or something. At the end of the year, you may be short of money, and it is a bit unbearable to spend about 3,000 at once.

We at Allianz can make a monthly payment for you, and we have a grace period of 2 months if you are still tight on money when you pay monthly. A total of 300 is paid in a month

In fact, I think you can also consider accident insurance. Because after all, some bumps are inevitable. Accident insurance is very affordable, and Allianz has no deductible for accidental injury, if you cut your hand, go to the hospital to buy a band-aid, and we will help you reimburse.

Moreover, Allianz does not have a designated hospital, and hospitals above the second level in the country can report it.

If you still have any questions, you can add me to Q, 798582912, and I'll give you a detailed analysis

Neither of these is very good. Not designed by professionals, right?

The first kind of protection is not detailed, so young, when can I use it for serious illnesses, but there is no medical treatment for minor illnesses and accidents.

The second is not quite suitable. The earnings are not good, and they are basically spending money. And the protection is not very good.

And you can't get your money out of it.

Honestly, if you're in good health, if you're 24 years old and buy insurance a little earlier, you basically won't get any diseases now. If you have social security, at most you can buy accidents, more than 100 in 1 year. The money from life insurance is used to buy**, and the return is much higher than that of insurance.

When you're 35 years old, it's only cost-effective to take the money out of ** and sell the insurance.

I'll buy the first one, hehe, but she adds less additional insurance to you, what should you add to hospitalization, medical treatment, or something Hehe, it is said that Ping An is now a new one That day, the salesman called ** and said that he wanted to tell me about it My family is safe and insured In addition to car insurance, because the Pacific Ocean originally seemed to be based on car insurance.

It is good to have inpatient medical treatment, because you will soon get married and have children, and when you go to the hospital to give birth, you should be able to receive benefits.

Just accidents, diseases, a little dividend is fine, don't buy too much, other investments can be done

Commercial pension insurance, in a nutshell, 25-year-old example:

1. Choose investment and financial dividend-paying pension insurance, and the long-term considerable rate of return is considerable!

2. Suppose you apply for a pension insurance with financial dividends, the amount of insurance is 50,000 yuan, and the guarantee is lifelong, and it is saved for 15 years, with a total of 80,000 yuan! 8% of the sum insured every 3 years, for life! Then you have 350,000 yuan in your account when you are 59 years old, 20,000 yuan a year for a pension at the age of 60, a total of 400,000 yuan in 20 years, 160,000 yuan in the account when you are 80 years old, and 550,000 yuan in your account at the age of 100!

3. Additional regular repayment critical illness insurance and comprehensive accidental hospitalization medical insurance! Reimbursement for all accidental hospitalizations and medical malpractice is included! There is no limit to the number of reimbursements.

Example of insurance for a twenty-five-year-old woman (suitable for white-collar housewives too):

Women's Critical Illness Maternity Protection Plan, lifelong protection, insurance liability: death, total disability, return of survival money, annual dividend, 15 major diseases, women's diseases, maternal and child protection illness insurance. The insured amount is 180,000 yuan, the payment is 20 years, a total of 210,000 yuan is saved, the insurance company rewards 1,000 yuan when giving birth, 10,000 eight cash is received on the 9th and 18th contract anniversaries, and there are 580,000 yuan in the account when you are 88 years old, and 820,000 yuan in the account when you are 100 years old.

It can be attached to comprehensive accidental hospitalization medical insurance, including all accidental hospitalization medical treatment, etc., there is no limit on the number of reimbursements, and the waiting period for hospitalization is only 30 days!

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

A 24-year-old woman is just 1-2 years old after graduating from college, and she really can't afford to be sick if she doesn't have much savings, and if you have insurance protection, you can reduce the impact of accidents or diseasesHow to buy insurance at 24 years old? Everyone should have their own plan

For 24-year-old women, the recommended insurance plan is:Critical illness insurance + medical insurance + accident insurance + term life insurance

1. Critical illness insurance:After the age of 20, the probability of female breast disease will rise, if you are really unfortunate to suffer from a serious illness at this time, I am afraid that you will not be able to pay hundreds of thousands of ** expenses, and 24 years old is the time to work hard for the future, a serious illness ** period of 3-5 years, income fault, even worse; However, if there is a payment of critical illness insurance, it can alleviate the economic impact caused by critical illness, so it is recommended to plan a critical illness insurance for yourself first, and if you don't know which one to buy at the age of 24, you can take a look at this:Recommended for 24-year-old you, top 10 cheap and well-priced critical illness insurance points!

2. Medical insurance:Medical insurance has medical treatment directory restrictions, there are many drugs and ** items are not reimbursed, 24-year-old women in the workplace are indispensable to work overtime and stay up late, resistance decline is the norm, medical insurance reimbursement of major and minor illnesses of medical expenses, as well as hospitalization before and after outpatient emergency, the premium is not high, the annual premium is one or two hundred, the insurance amount can go to 2-3 million, is an investment in health; There are many medical insurance products, and I have compiled a list of medical insurance products that are worth buying, and it is recommended to learn about:A must-see for 24-year-olds|Top 10 medical insurance plans worth buying

3. Accident insurance:Accident insurance is accidental, sudden, unintentional events caused by personal injuries can be compensated, 24-year-old women whether on the street or sports may encounter traffic accidents, falls and other accidents, accident insurance protection has accidental medical treatment, disability, and a year premium is only a few dozen yuan, it is recommended that you can configure an accident insurance.

4. Term life insurance: A 24-year-old woman may not have children yet, but if she really dies at this time, it is definitely a big problem for her parents to provide for the elderly; At this stage, if you purchase a term life insurance, even if you unfortunately die, you can have hundreds of thousands of dollars to resist part of the pension pressure and life pressure; If the later funds allow, you can increase the amount of insurance and extend the protection period, relatively flexible, I have also sorted out the recommendation of term life insurance, it is recommended to take a look at this list before purchasing life insurance:A list of life insurance worth buying for 24 years old

According to your introduction, it is good to have a sense of buying insurance, and it is the wisest choice for a 24-year-old single woman to buy insurance as a part of her protection. It is recommended that you improve your social security before considering women's insurance with protection, which is generally suitable for 24-year-old women, and the insurance is divided into three categories.

The first type is critical illness insurance for women's physical health;

The second type is the insurance that pays for the price that women pay for beauty, such as the expenses incurred by accidental cosmetic surgery;

After the age of 24, most women are more concerned about economic security in addition to caring about the body, at this time, white-collar women who have a certain foundation in the economy should timely increase some insurance products with the dual functions of protection and investment, at present, in the insurance market, there are some insurance products specifically designed for the major diseases that may occur in middle-aged and elderly women, so you must choose according to your own situation, you are 24 years old, you should choose the corresponding product according to your age.

Then there is the financial insurance, it is recommended that you consider choosing the traditional type of participating insurance, this type of participating insurance is attached to critical illness, accidental injury, accidental injury medical treatment and critical illness, so that you can get life insurance, accidental injury, accidental injury medical treatment, hospitalization medical comprehensive protection, and when you retire, there will be a large amount of money as a supplement to the pension.

I don't recommend you to buy what kind of insurance, I put forward an opinion that is, your income is medium, you now consider critical illness insurance in addition to the accident insurance, in addition to I remind you, the insurance company salesman will recommend universal insurance to you, I hope you carefully consider not buying, I have studied universal insurance is not universal, and you buy it for life, do not buy fixed, otherwise it is not worth it if you accidentally get any serious illness when you are old.

Arnold answers: Hello!

24-year-old women, most of whom have just graduated, have a temporary job but their income is still unstable. This group of people should give priority to purchasing products with accident risk protection, and it is recommended to be able to apply for comprehensive accident insurance for one year. This type of insurance not only has a low premium, but also has a wide range of coverage, including protection for life, work, transportation and other aspects.

In addition, do not buy blindly, you must choose to buy according to your actual needs and economic situation, such as for women who can't drive, you don't need to consider the protection of self-driving insurance.

Xueba talks about insurance, focusing on insurance evaluation! It is best to buy critical illness insurance first when buying commercial insurance, and it is recommended that you take a look at this article before purchasing critical illness insurance:"Super Full Comparison!

Comparison Table of 136 Popular Critical Illness Insurances in ChinaBy contrasting, choose the critical illness insurance that is more suitable for you.

Women should choose insurance products based on their age, physical fitness, family situation, income level and other aspects. 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 yearsThe vast majority of women have just come out of society and do not have much financial ability, so it is recommended that people of this age group buy critical illness insurance and accident insurance first. At this age, it is not expensive to buy a critical illness insurance, you can choose to buy a regular critical illness insurance, for example, until the age of 60, it only costs about 1,000 yuan a year; Of course, you can also buy a lifelong critical illness insurance, you only need to buy a small amount of insurance, and a whole life critical illness insurance with an insurance amount of 100,000 is also about 1,000**. Here's a list of some critical illness insurance products that are worth buying for women in this age group:

"Inventory of the Top 10 Critical Illness Insurance Worth Buying for Women! 》If you are interested, you can take a look and young people are away from home, and the risk of encountering accidents is high, so accident insurance is a must. It only takes a few dozen yuan to buy an accident insurance with an insurance amount of tens of thousands, which is very cheap.

Women at the age of 30-45Most of them have already started a family, and as the main source of family economic income, critical illness insurance and life insurance must be bought. If you are not the first person to bear the family's financial needs**, you don't have to buy life insurance with too high a sum insured. However, the sum insured of critical illness insurance must be higher.

Because this period is a period of high incidence of critical illnesses in women, such as cervical cancer and breast cancer, if you are unfortunate enough to suffer from a critical illness and you have already purchased critical illness insurance, then the insurance company will give you a sum of money that you can use to see a doctor or leave it for your family.

Women over 45 years of ageIf you haven't taken out critical illness insurance, you should buy it as soon as possible. Once you have passed the age of 50, buying critical illness insurance is not only expensive but also difficult to obtain. At the same time, there is also the purchase of large medical insurance such as million medical insurance, because women in this age group have poor immune function and are prone to illness, and large medical insurance can reimburse most of the medical expenses.

Here's a list of million-dollar medical insurance plans for people over the age of 45:What are the Million Dollar Medical Insurance for 45-year-old women? 》If you are interested, you can take a look.