It is important to say first that the most important thing to buy insurance is to look at the products, and never choose from a certain company. Nowadays, young people are under increasing pressure to plan their own future, and their awareness of insurance is constantly improving. But at this age, they still don't know what to choose, and the insurance information is more complicated. It is not easy to choose the insurance that suits you. I specially compiled a 20-year insurance allocation strategy.
Young people mainly face these problems:
(1) Working hours are very short, and I don't like to save money at ordinary times, and I don't spend money in moderation. At this time, the economic foundation is relatively weak.
(2) Irregular work and rest, many problems to face, great pressure, and susceptibility to major diseases such as vascular diseases, 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, and young people are becoming more and more prone to major diseases. Critical illness insurance covers major diseases and moderate/mild diseases. Many young people can't afford a large sum of medical expenses for critical illness insurance, so it is very important to buy a critical illness insurance. In terms of price, look at this picture first:
\x09 It can be seen that the premium of critical illness insurance increases with age, and once you get some diseases, you can't buy any more. The sooner you buy critical illness insurance, the better.
The list shows: "Designed for 20 years old! Top ten critical illness insurance stocks worth buying in 2020! 》
2. Accident insurance
100 yuan can buy hundreds of thousands of accident insurance to protect accidental disability and death. Young people with a small budget are suitable for buying one. First of all, buy an accident insurance as a basic guarantee. For young people, it is best to have extra protection against sudden death.
3. Millions of medical insurance
Millions of medical insurance is mainly for reimbursement of illness and hospitalization. Many excellent medical insurance have their own green channels for medical treatment, which can provide proton heavy ion therapy. Two or three hundred dollars a year, the maximum reimbursement can be several million, so the price of civilians is more acceptable.
You can't be careless in buying medical insurance. You can look at this list: "Designed 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