In fact, whether we have a job or not, we need insurance very much.
Next, the senior sister will give you a good explanation on how to configure insurance for people who have no jobs.
If you want to know in advance whether you want to buy insurance, you can read this article first:
"Do you want to buy insurance? If we don't get out of danger, won't the money be wasted? 》
1. Why do unemployed people buy insurance?
God is fair, no matter whether this person has a job or not, he will be in danger of serious illness or accidental injury. And if a person has no job, it proves that he has lost a stable source of income. Now, his ability to cope with risks is lacking compared with those who have jobs.
In addition, generally speaking, the elderly and children are also unemployed. Because of their age, compared with people aged 18-60, they are actually more prone to some diseases.
I believe you have already understood the above contents, and it is very necessary to configure insurance for the unemployed!
Second, how can people without jobs buy insurance?
1, critical illness insurance
Critical illness insurance is insurance paid according to types of insurance. If the insured is diagnosed with a major disease agreed in the contract and reaches a certain state, the insurance company will pay a sum of compensation, thus reducing the risk of economic losses caused by major diseases.
For most unemployed people, their ability to cope with risks is very weak. With critical illness insurance, their health can be fully guaranteed.
2. Medical insurance
Medical insurance belongs to reimbursement insurance. The most important function of this kind of insurance is to reimburse the insured's medical expenses according to a certain proportion. Medical insurance is similar to medical insurance, which can be called a compensation method of medical insurance. The reimbursement rate of general medical insurance is higher than that of medical insurance, and the scope of drugs that can be reimbursed is also wider.
3. Accident insurance
Accidents are everywhere, and everyone may be directly injured by accidents. Small bumps in our lives are as big as a particularly serious traffic accident. Accidents are always hidden in the dark and may appear at any time, completely disrupting our calm and stable life. In order to effectively transfer this risk, we should take out accident insurance.
4. Add whole life insurance
For those who don't have a job, but have some savings, my senior sister's advice is to buy more whole life insurance. This product has both security and financial management functions, and can directly bring certain benefits to the insured in a few years to avoid living on an empty shell.
There is a huge increase in whole life insurance in the market, so it is not so easy to choose one that suits you from so many products. In order to let everyone buy high-quality life insurance, Senior Sister has specially summarized a high-quality whole life insurance list for friends in need to collect.
"Just out of the oven! Five High-yield and Profit Increasing whole life insurance, don't miss it! 》
Third, the critical illness insurance evaluation of super fire on the market!
If you want to buy the best insurance now, critical illness insurance is definitely the best choice. After all, health comes first. Who doesn't want to provide adequate protection for their health?
However, not all critical illness insurance products are excellent. If you want to buy an excellent critical illness insurance, senior sister now recommends it to you: Versailles plus critical illness insurance, Apollo 1, exclusive edition of Evergrande Hengjiabao, and Zhongan critical illness insurance (multiple compensation edition). ......
These products are critical illness insurance with extremely high sales volume, but high sales volume is not enough. Whether a product is worth buying depends on whether it is suitable for us.
4. What should the unemployed pay attention to when buying insurance?
It is not easy for the unemployed to buy insurance to meet their own needs. They have to consider many issues, such as the premium budget and whether the coverage is appropriate. ......
Moreover, the protection content of each insurance product may be different. Sometimes it is obviously critical illness insurance, some products can guarantee life, and some products only guarantee regular protection. Every product looks like this, which makes people feel scratched.
5. Where is the most suitable place for people without jobs to buy insurance?
Now we have two channels to buy insurance: online insurance and offline insurance.
The main ways of online insurance are: you can insure by phone, or you can buy insurance products through the internet insurance sales platform or the official WeChat of the insurance company.
The ways of offline insurance mainly include: offline service outlets of insurance companies or insurance salesmen to purchase.
6. How to buy insurance for a family?
In addition to providing insurance for the unemployed, it is also necessary to provide insurance for the economic support of the family.
The male owner of the family is also the economic pillar of the family and the core of the whole family. Once they are seriously ill or seriously injured, the whole family will encounter serious disasters. For the family economic pillar, in addition to critical illness insurance, medical insurance and accident insurance, you should also buy a life insurance. In this way, even if the insured dies, his family members can directly get a compensation amount. This money can continue to protect this family instead of them.
Finally, the issue of providing for the aged is also a very important issue. For the elderly, cancer insurance and accident insurance are also very worth buying.
So what kind of insurance should each family member buy? Click on the link below, and Senior Sister will tell you the answer!
"3 plans, complete family insurance"
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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!