There are many insurance products, so there is no need to give up thousands of good products for a company. Nowadays, young people are under increasing pressure to plan their own future, and their awareness of insurance is constantly improving. However, their ability to identify insurance needs to be improved. There is a lot of insurance information, which is difficult to distinguish. It is not easy to choose the insurance that suits you. I stayed up late and made such a detailed strategy for buying insurance at the age of 20.
Young people mainly face these problems:
(1) There is not much money that can be transferred in hand, and money will not be saved at ordinary times, and the income is not very high. At this time, the economic foundation is relatively weak.
(2) Long working hours and high expectations of all parties have caused many problems and great pressure, and there is no small probability of suffering from major diseases such as vascular disease, hypertension, stroke, cancer and acute myocardial infarction.
After analysis, I know that I need to buy cheap but well-protected insurance at my age, and I can configure accident insurance+critical illness insurance+million medical insurance.
1. critical illness insurance
According to WHO data, 75% of people in China are in sub-health, and the probability of young people suffering from some major diseases is higher than that of the elderly. Young people have become a group with high incidence and serious diseases. Critical illness insurance covers major diseases and moderate/mild diseases. Most young people can't afford hundreds of thousands of treatment fees for serious illness, so it is necessary to buy a serious illness insurance. In terms of price, look at this picture first:
\x09 We can find that the younger you are, the cheaper it is to buy critical illness insurance. I got sick when I hesitated, so I can't buy any more. The sooner you buy critical illness insurance, the better.
If you don't know how to choose, you can look at this popular list: "Designed for 20 years old! Top ten critical illness insurance stocks worth buying in 2020! 》
2. Accident insurance
Hundreds of thousands of insured accident insurance costs only about 100 yuan to protect accidental disability and death. It is very suitable for young people with low budget to buy. You can choose an accident insurance first and then look at the others. For young people, it is best to have accidental death insurance.
3. Millions of medical insurance
Millions of medical insurance mainly reimburses illness and hospitalization, and some excellent medical insurance also comes with a green channel for medical treatment, which can provide proton heavy ion therapy. As long as two or three hundred dollars a year, there are millions of reimbursement quotas, so don't be afraid of insufficient budget.
There are many products. If you want to find advice that suits you, look here: Design for 20 years old! The 10 million medical insurance stocks worth buying in 2020! 》
Hope to adopt!
The same number on the whole network: Xueba said insurance, welcome to search!
Source: Xueba said that insurance official website