So what methods should the 24-year-old young group master to buy insurance? Senior sister will talk to you today.
1.22 Is it necessary for people to buy insurance?
Nowadays, many young people have a weak sense of insurance and a weak sense of saving. Some young people don't talk about it without savings, and they also have the habit of spending in advance. As soon as their salary arrives, they need to pay back their previous credit cards or flowers.
If you don't buy insurance for yourself, you won't have to pay when you get sick. If there is no insurance and no savings, how can we pay for expensive treatment?
Moreover, according to the research results of nearly half a century, the definition of "health" by the World Health Organization is "not only no disease or weakness, but also complete physical, psychological and social adaptability".
Only 15% of the total population of China meets the definition of health by the World Health Organization. At this moment, 15% people are sick, and the remaining 70% people are all in a "sub-health" state.
According to this data, we can analyze that in China, 70% people are in sub-health state.
If you are in doubt about whether it is necessary for a 22-year-old person to buy insurance, senior sister tells you that you should definitely buy insurance, and it is very necessary to buy insurance.
It is really necessary for the 22-year-old people to buy insurance, but for Xiaobai, friends who want to buy insurance but are worried about being cheated and don't know how to buy insurance for the 22-year-old people don't have to worry. A senior who has been in business for 8 years tells you that it doesn't cost a penny to buy insurance like this:
How do adults buy insurance? Everyone should have his own plan.
Second, the best insurance configuration scheme for the 22-year-old population!
Under normal circumstances, there are three kinds of products that 22-year-old people must insure, namely: critical illness insurance, million medical insurance and accident insurance.
1, critical illness insurance
Critical illness insurance is mainly aimed at the protection of major diseases, and its value depends on the compensation for income loss during illness.
For the 22-year-old young people, many people think that the disease is still far away from them, and some talents have just left campus and have little savings. If you are unfortunately seriously ill at this time, then parents at home will basically bear the cost of this treatment.
If you are insured with critical illness insurance and get sick during the guarantee period and meet the repayment conditions, the money paid by critical illness insurance can not only be used to treat the disease or maintain the usual expenses, but also be used as a source of income during the treatment of critical illness, which can stop losses and transfer some economic burdens to families.
2. Millions of medical insurance
Millions of medical insurance can be directly used as supplementary insurance for medical insurance. We usually only need a few hundred dollars to buy millions of insurance coverage, which is different from medical insurance and supports the reimbursement of reasonable treatment expenses incurred by our illness and hospitalization.
Many partners feel that there is no need to buy millions of medical insurance if they have medical insurance. Actually, it's not. Comparing the scope and amount of reimbursement, medical insurance can't be compared with millions of medical insurance. Many millions of medical insurance can reimburse 100% of the expenses within the scope of medical insurance, and millions of medical insurance can also reimburse imported drugs.
Not only that, there are many millions of medical insurance in the market that include a variety of value-added services, among which the "drug fee advance" service is more common and very friendly to us. It is said that if we can't pay for the treatment ourselves during the treatment, we can apply to the insurance company to pay for the medicine in advance, which can help us solve the problem that we can't continue the treatment because we have no money.
If you don't know how to choose the right million medical insurance products, you can take a look at this million medical insurance collection compiled by senior sister:
The latest 10 million medical insurance rankings are freshly released! 》
3. Accident insurance
Accident insurance is very important to everyone. No matter who you are and how rich you are, you are equal in the face of accidents. Anyone who is away from home may encounter a traffic accident or accidentally fall. If it meets the requirements of accident insurance, accident insurance can also claim treatment expenses.
Moreover, the accident insurance premium is low and the protection is high, often ranging from tens to hundreds of yuan, and then you can buy hundreds of thousands to millions of insurance coverage.
Third, the insurance evaluation of the 22-year-old people who are super hot in the market!
I don't know if you have observed that there are many insurance products on the market for 22-year-olds. Products such as critical illness insurance include Tongfang Universal Versailles plus, Guo Fu Life Darwin No.6, ruitai Lexiang Ankang 202 1, Hetai Life Super Mary No.6 and so on.
Many friends who don't know much about insurance think that popular products must be excellent, and may think that as long as the products launched by big insurance companies are good, they are not. It is feasible to analyze whether a critical illness insurance product is good or not mainly from terms and coverage.
If you have millions of medical insurance, critical illness insurance and accident insurance, and you still have enough spare money on hand, there are many insurances to choose from if you want to insure yourself with financial management function.
At present, there are many types of insurance that are suitable for 22-year-olds and have financial management functions. For example, whole life insurance products include Hongkang Happiness, Great Wall Life Simatai, He Xin 'an Henry, Changsheng Excellence Plus and so on.
No matter what kind of insurance product, we should consider the product itself. Whether a whole life insurance is excellent or not should be measured from the aspects of guarantee content and terms.
Four, 22-year-old people buy insurance lightning protection tips
If you are a friend who has explored insurance products, you should already know some details. Different insurance products will have different premiums, compensation intensity and coverage. Take critical illness insurance as an example. Some critical illness insurance products are relatively broad, covering light, moderate and severe diseases, while others only cover light and severe diseases, not middle diseases. Some can be guaranteed for life, and some can only reach the age of 70 or 80.
Everyone doesn't know what's going on with so much content, and it's easy to step into the trap if you're not careful, so buying insurance seems simple, but it's actually more complicated!
No, senior has compiled a super comprehensive insurance strategy for you. Please pay attention to the following points to avoid wasting money:
How do young people buy insurance? With this configuration, the premium is saved by half! 》
Where is the most suitable place for people aged 5.22 to buy insurance?
Senior sister wants everyone to know about the 22-year-old insurance here, so where do you need to buy it if you want to configure insurance?
Generally speaking, there are two ways to buy insurance. One is online and the other is offline.
Offline channel:
1. Most insurance companies have their own branches in most provinces and cities, and we can make purchases through the offline service outlets of insurance companies. For example, Ping An Insurance has more than 2,800 offline outlets nationwide. If you have the idea of buying Ping An insurance products, your friends can buy them directly offline.
2. Offline service outlets are not included. We can also use the business model of insurance salesmen to buy and tell them their insurance needs. After that, the salesman will match you with the appropriate insurance products according to your needs, and you can buy them after you determine the types of insurance.
Online channel:
1, telemarketing is one of the channels through which we buy insurance, so we can also call the telemarketing hotline of the insurance company to buy insurance.
2. You can go directly to the Internet insurance sales platform for insurance. In essence, this platform is the third-party insurance product sales platform. If you need to start, you can search for the insurance that suits you and then apply for insurance.
3. The official WeChat, official website or exclusive APP of the insurance company can also purchase insurance products.
6. How does a family buy insurance?
After buying insurance for yourself, you should also buy an insurance for your family. It is necessary to buy an insurance for your family.
As a 22-year-old crowd, suppose you have bought insurance. If you have children, you need to buy insurance for them, because children bear the hope of the whole family. Children are particularly weak and fragile, so it is necessary to configure relevant insurance for children.
If economic conditions permit, after buying insurance for themselves and their children, the elderly still need to support and buy insurance for their parents.
Assuming there are no children, after choosing insurance for myself, I will also choose an insurance for my parents. After all, they are also important members of the family.
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!