How do women buy critical illness insurance?

At present, the most common female critical illness insurance products on the market are mainly divided into three categories. The first category is medical insurance to protect women's plastic surgery, the second category is critical illness insurance for women, and the third category is maternity insurance, which generally covers all adult women.

Critical illness insurance, who is highly valued: First, regular cash. At present, the annual premium income of insurance products specially developed for women accounts for about 65,438+00% of Hongzhong's total premium. When planning their own insurance plans, women generally consider three aspects: supplementary pension, major illness protection and regular cash survival.

I./kloc-Unmarried over 0/8 years old

This group of people often have weak ability to resist risks, and once serious accidental injuries and major diseases occur, there will be high medical expenses. And it will have a great impact on future life and returning to normal work and life.

Therefore, the younger you buy this kind of guaranteed products, you can choose the critical illness insurance products with higher protection when buying insurance products. And the premium shall not exceed 10% of the annual income. The longer the payment period, the guarantee

The longer the term, the lower the premium.

Second, married and childless.

Critical illness insurance is the first choice for married women who have not yet given birth. Family responsibilities are also increasing. There is generally a stable source of income. At this time. In addition to basic accident insurance and term life insurance products for women, priority should be given to critical illness insurance. Because major diseases, regardless of gender, once they occur, have a huge impact on the family economy.

Third, prepare for pregnancy

It is essential to take out maternal and child insurance before pregnancy. Considering the future baby plan, a single accident insurance or female critical illness insurance is not enough to play a comprehensive role. Pregnant or expectant mothers.

It is also necessary to purchase maternal and child insurance with special protection for women's reproductive period, including pregnant women and newborns. "Insurance products that protect diseases during pregnancy and congenital diseases of newborns are worth recommending. Pay attention to maternity insurance because of women.

The risk probability of sexual pregnancy is much higher than that of normal people. Only when you know your health can you take out insurance. The insurance company will conduct a strict physical examination on the mother. This kind of insurance generally takes 90 to 180 days to take effect.

Insurance companies generally refuse insurance after two months of pregnancy, so it is best for women to take out insurance before pregnancy.

Fourth, expectant mothers

For women who haven't had time to arrange insurance protection for themselves and their babies before pregnancy, they generally need to be insured after pregnancy. Not only can you accept insurance for female customers within 20 weeks of pregnancy. Perfect for preparing for pregnancy

For pregnant women and expectant mothers, it covers death, total disability, 29 general major diseases, 2 major female diseases, 12 neonatal congenital diseases, 6 pregnancy and female in-situ comprehensive complications.

Cancer protection.

Step 5 get married and have children

Consider special female products, and at the same time, with the growth of age, we should also consider personal pension financial planning. On the basis of comprehensive basic security, priority should still be given to critical illness insurance. In the case of full payment of critical illness insurance, special women's products can be considered, and old-age security can be considered appropriately according to their own situation.