Newcomers entering the workplace are still unstable, with relatively low salary levels and weak ability to resist economic risks. At the present stage, people's security needs are biased towards personal basic security and family responsibilities, so as to prevent the family savings from being greatly reduced and the living standard from being guaranteed due to the risks of the insured. Therefore, newcomers in the workplace can give priority to low-cost insurance such as accident insurance and medical insurance. In addition, because people at this stage are still young and the insurance premium is relatively low, if economic conditions permit, the protection for major diseases can be appropriately increased.
Young family support
The biggest economic pressure of newly formed young families comes from high housing prices, and the subsequent demand for mortgage repayment, children's education, and parents' pension is in full swing. For the pillar members of the 42 1 model family, the responsibility is very arduous. Therefore, young couples at this stage should establish comprehensive protection for themselves and lay a solid foundation for supporting the whole family. In terms of health insurance, it is recommended to consider products with high security. Generally speaking, the protection of critical illness insurance is the main one, supplemented by medical insurance, and then the health protection of children is considered.
Middle-aged people-providing for the elderly and ensuring health.
Middle-aged people are at the peak of their career, their income is basically stable and they have certain economic strength. This age group is a period of high incidence of major diseases, and critical illness insurance is a necessary guarantee. In addition, they can buy other health insurance as needed to enhance their prevention of health risks.
Elderly population
The elderly are weak, and the daily medical expenses may account for a considerable proportion of the monthly expenditure, which requires medical insurance to protect them. Due to the age limit of health insurance, it may not be cost-effective for the elderly to pay premiums, so it is best to buy them in advance. For the elderly, hospitalization medical insurance or comprehensive medical insurance is more appropriate, and cancer insurance can be used instead of critical illness insurance for critical illness protection.
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.