Young people under the age of 30 are in the initial stage of their career and in the period of hard work. They have basic social medical insurance, but the available insurance budget is generally small and they are relatively sensitive to premium expenditure. As the incidence of serious diseases is getting younger and younger, the financial anti-risk ability of this age group is low, so it is suggested to pass on the core risks as soon as possible. Considering the pressure of premium, young people can put accident insurance first. This kind of insurance has low premium and relatively high protection, which is an economical choice for young people who have just entered the society. On the basis of accident insurance, young people can also choose critical illness insurance products as a supplement to accident insurance according to the actual economic situation.
30-44 years old: high critical illness insurance+hospitalization insurance+subsidy insurance.
Generally, the 30-44-year-old people have entered the period of career promotion, and their income has gradually increased. Basically, there is social medical insurance, and the available insurance budget is relatively more. Some of them may also have supplementary company benefits, such as group business insurance. In this way, most of their medical expenses are basically well guaranteed. At the same time, however, the incidence of serious diseases in this age group has gradually increased, and the health risks have also increased relatively.
Considering the heavy work pressure and family responsibilities of this group, it is also necessary to buy a critical illness insurance with an insurance coverage of more than 300,000 to resist the core risks. In addition, considering that people of this age group are often the main source of family economy, families with adequate budgets can also consider increasing full hospitalization medical insurance and subsidy insurance that do not conflict with other guarantees, so as to prevent the influence of the head of household on family income after hospitalization. It is suggested to choose the combination of high critical illness insurance+hospitalization medical insurance+high hospitalization allowance insurance.
45 ~ 55 years old: critical illness insurance/global medical insurance
Middle-aged people at this stage basically have basic social medical insurance, and the available insurance budget is relatively generous. Considering that the upper age limit of most health care insurance is 55 years old, and the required premium is also proportional to age, middle-aged people in this age group should take out insurance as soon as possible if they want to pass on risks through health care insurance, and it is suggested that major illness insurance should be given priority. If you have missed the last age limit of 55 (although some health insurances limit it to 60, the total amount of compensation at this time has mostly exceeded the insured amount, and the effect of protection is very limited), it is suggested to make a fuss about children instead, strengthen their protection, reduce their medical expenses, and consciously bring their own special health care fund.
In addition, for high-net-worth people of this age, medical expenses may not be a particularly heavy burden, but they usually have a high demand for high-end medical resources and various medical services. It is suggested that a global medical insurance plan with comprehensive protection and perfect service can be configured.
Over 55 years old: accidental injury insurance+special cancer prevention insurance.
The elderly are a high-risk group of diseases and accidents. For the elderly without any medical insurance, it is essential to choose a health insurance. However, due to the high premium and the trouble of underwriting, insurance companies generally limit the age of insurance to 55 or 60, so the elderly aged 55-60 will face many problems when purchasing critical illness insurance: First, the premium is particularly expensive, and the 60-year-old has entered a period of high incidence of diseases, so the premium of critical illness insurance is very expensive; Second, there are fewer products that can be insured at the age of 55-60; Third, premiums and guarantees often appear upside down, that is, the insured amount of some age groups is lower than the total premium; Fourth, most insurance companies will require a physical examination, and the probability of refusing insurance if they are already sick is extremely high.
Considering that it is difficult to insure critical illness insurance at this age, and the probability of accidental injury among the elderly is higher than that of other age groups, it is suggested that accidental injury insurance with low premium, high security and no need to pay more premium before the age of 65 should be the first choice for insurance.