1. Is it necessary for migrant workers to buy insurance?
There are many reasons for worrying about whether to buy insurance. The most common thing is that you are not sure whether you need to buy it at all.
The purpose of choosing insurance is to prevent risks, so next, senior sister will talk about what risks migrant workers may face.
1, disease risk
The first thing we should understand is that the older we get, the higher the incidence of major diseases.
In other words, the longer the life span, the closer the probability of serious illness is to 100%.
Moreover, the "National Health Education Reader for the Prevention of Major Diseases" issued by the Chinese Actuaries Association shows that in recent years, serious diseases have shown a younger trend.
For example. In recent five years, patients with gastric cancer aged 19-36 accounted for 6%- 1 1% of all patients with gastric cancer. For this data, it doubled 30 years ago.
Therefore, the risk of disease cannot be underestimated.
2. Unexpected risks
Relevant data show that around the world, about 3.5 million people die of accidental injuries every year, accounting for 6% of the annual deaths of human beings, and it is the first killer of human life besides natural deaths.
Even if this data is not mentioned, I believe everyone knows that accidents are the most difficult to prevent.
In addition to the risks mentioned above, you may also face the risk of death. After all, daily work is quite dangerous.
Analysis here, I believe everyone has an answer to the question "Is it necessary for migrant workers to buy insurance?".
Considering that friends who are not familiar with insurance are easy to step on the pit, senior sister has prepared an insurance configuration plan, which can be referred to if necessary:
How do adults buy insurance? Everyone should have his own plan.
Second, what are the insurances suitable for migrant workers?
It is best for migrant workers to allocate these four kinds of insurance: critical illness insurance, millions of medical insurance, term life insurance and accident insurance; Those who have more money on hand can also buy another pension annuity insurance.
1, critical illness insurance
Critical illness insurance covers major diseases.
If the insured is diagnosed with an agreed disease or reaches a specific state, he can get the insurance money paid by the insurance company in one lump sum, and the scope of use is not limited.
If you are unfortunately diagnosed with a serious illness, you will not only face high medical expenses, but also lose your income during treatment, subsequent rehabilitation expenses and so on.
If the critical illness insurance has been configured, this money can alleviate certain economic pressure for patients and their families, and also avoid the difficulty in continuing family life due to illness.
2. Millions of medical insurance
Millions of medical insurance is used to reimburse medical expenses caused by diseases or accidents, which basically does not limit the types of diseases and treatment methods, and the scope of reimbursement is wide.
Migrant workers work very hard, and their life pressure is quite high, so they are prone to some diseases. If they don't have much savings, the longer they spend, the greater the economic burden.
Millions of medical insurance has a strong insurance leverage, and it is often cost-effective to allocate millions of insurance coverage for only a few hundred yuan.
3. Term life insurance
Term life insurance mainly covers death and total disability. As long as the insured dies or is completely disabled during the guarantee period, he will pay a sum of insurance money for the consumer.
For migrant workers, they are generally the main source of income for their families, and family responsibilities are particularly important. If they die unfortunately or are completely disabled, it will obviously have a huge impact on the family economy.
The money paid by term life insurance can be used to pay off debts, maintain the daily expenses of families, help families to spend this difficult time together and leave them a love.
4. Accident insurance
The coverage of accident insurance generally includes accidental disability, accidental medical treatment and accidental death.
Accidents are the most difficult to avoid, and migrant workers often need to do some very dangerous work.
Moreover, the price of accident insurance is also very close to the people, and it can be fully guaranteed by spending tens or hundreds of yuan every year.
5. Add whole life insurance
Whole life insurance's increase is whole life insurance, which will increase the insured amount continuously, so the survival time is directly proportional to the amount of compensation.
And crucially, with the increase of the insured amount, the cash value also increases, and the income is extremely considerable.
If you buy an incremental whole life insurance product, you can choose to leave the premium as property for future generations, and also provide the service of surrendering or reducing the insurance to take out the cash value.
Third, the secret of public insurance!
Most insurance products suitable for migrant workers are very popular in the market. In terms of critical illness insurance, there are Tongfang Universal Versailles plus, Hetai Super Mary No.6, Ruihua Jiruibao, Guo Fu Darwin No.6, Centennial Conway 2.0 and so on.
However, are popular insurance products necessarily good products? Is it worth buying? Of course not.
Judging whether a critical illness insurance is excellent depends mainly on whether the coverage can meet your own insurance needs.
Next, senior sister will take Versailles plus critical illness insurance as an example, make a good analysis and tell everyone what a good critical illness insurance is!
"Versailles plus critical illness insurance has returned heavily, and you must look at the in-depth evaluation before buying! 》
In addition, migrant workers who have spare money prefer to choose a financial insurance, such as Guangming Huixuan pension insurance, everyone's rich family pension insurance, and whole life insurance Zengli in Simatai.
4. What should migrant workers pay attention to when buying insurance?
Senior sister feels that her friends are still confused and have basically mastered some basic knowledge of insurance, but at first I still feel that I can't start buying insurance.
For example, critical illness insurance, some products can provide effective protection for more than 100 kinds of critical illness, and some products only provide protection for 28 kinds of critical illness. Why is the former sometimes less popular than the latter? Some products don't provide Chinese medicine protection, can't they catch up with products with Chinese medicine protection?
I have bought or am buying insurance. I must have a deep feeling about this. Indeed, for insurance xiaobai, it is not easy to buy insurance, and he was accidentally pitted.
5. Where can migrant workers buy insurance?
Now the channels for buying insurance can be mainly divided into online and offline.
1, online channel
Insurance companies such as official website, official WeChat account or app can provide it for you, and you can buy it on it.
In addition, the third-party internet insurance platform will directly sell insurance products, providing more choices for everyone to shop around.
2. Offline channels
I believe many people know the offline channels, and most of the time they go to the offline outlets of insurance companies and configure them at the counter.
In addition, if you know insurance salesmen with rich insurance experience and strong professional quality, you don't object to direct contact.
If you are confused after reading it and don't know which insurance method is suitable for you, you may wish to poke the following link:
"Is it reliable to buy insurance online? What is the difference between online insurance and offline insurance? 》
6. How do other family members buy insurance?
Ordinary migrant workers' friends are old and young. After buying insurance for themselves, they will pay attention to how to buy insurance for other family members.
It is right to buy insurance for yourself first. After all, this family needs its own support. If there is danger, it will affect all aspects of the family.
Moreover, the child's resistance is also quite poor, minor illnesses and pains often occur, and it is necessary to buy insurance.
Finally, old people are old and have many diseases, and they will get hurt if they are not careful. If there is enough budget, it is recommended to insure the elderly.
Write it at the end
I am an expert in insurance, focusing on objective, professional and neutral insurance evaluation;
If the above content has not solved your problem, you can also come to the official account of WeChat to learn to bully and say that insurance consulting me;
I give you the most professional advice based on many years of experience in configuring insurance for 10W+ families.
WeChat official account: Xueba said that insurance costs less, buy the right insurance!