1. Why do white-collar workers buy insurance?
The work intensity of white-collar workers is not low. Staying up late and working overtime is basically the normal work of white-collar workers. High-intensity working hours, the probability of poor health is also quietly rising. As the saying goes, dripping water wears away the stone, and diseases are not formed in a day, and they need to be accumulated for a long time.
Although white-collar workers do not have much physical labor, their work, diet and sleep are irregular, but for their hearts, the pressure is still great, so these people are more likely to suffer from fatty liver and hyperlipidemia.
In addition, according to the data of a survey conducted by the health department, we can know that 8 1.6% people have scoliosis problems after using computers for more than 4 hours every day.
And scoliosis can also make people disabled. The daily activity scope of white-collar workers is the office, which may turn into a serious illness.
Treating a serious illness requires expensive treatment. Inadvertently, my savings for many years will be spent on treatment expenses, and there will be no economic source for some time.
I've seen it. Do white-collar workers still think it useless to buy insurance? The purpose of insurance is to increase the economic risks brought by diseases. For the disease, the insured has enough confidence to face it and get treatment and rehabilitation as soon as possible.
Second, the best allocation scheme for white-collar workers to buy insurance
The insurance allocation scheme for white-collar workers is relatively simple. These four types are compulsory, namely, critical illness insurance, medical insurance, accident insurance and life insurance.
1, critical illness insurance
Critical illness insurance is also called payment insurance. If the insured is diagnosed with a disease that meets the contract, the insurance company will provide the insured with a certain proportion of compensation as compensation, and this insurance money can be used at will.
Everyone can understand that even if the insured is really diagnosed with a serious illness, after we get this insurance money, the treatment cost will be reduced, and the rest of the money can be used to recover, such as buying some supplements to make up for it.
Take leukemia as an example. According to related research, the average cost of patients in low-risk group is estimated to be 200,000-300,000 yuan, patients in middle-risk group may be 300,000-400,000 yuan, and patients in high-risk group may be 400,000-600,000 yuan.
It costs a lot of money to treat a serious illness. Do you know clearly?
After ordering critical illness insurance, even if white-collar workers are diagnosed with serious illness, they don't have to worry about treatment.
So what are the critical illness insurance worth buying? Senior sister compared hundreds of critical illness insurance products on the market and sorted out the following list of critical illness insurance worth buying. Click and have a look!
"Top Ten Hot Critical Illness Insurance Inventory Worth Buying! 》
2. Medical insurance
Medical insurance is essentially reimbursement insurance, which is different from critical illness insurance. The amount of medical expenses is the key, and what medical insurance can do is to reimburse in proportion.
Some people say that with medical insurance, you don't have to buy medical insurance. In fact, it is a misunderstanding. Medical insurance can't reimburse all expenses, and there will be a reimbursement gap. For example, just like targeted drugs for cancer treatment, medical insurance cannot achieve comprehensive coverage and reimbursement.
After the medical insurance is configured, it can be used to make up for the gap in medical insurance reimbursement.
3. Accident insurance
Even if white-collar workers work in the office every day, there is no guarantee that they will never be disturbed by accidental injuries, right? In the case of white-collar workers unfortunately suffering from accidental injuries, the resulting treatment costs can not be ignored.
Any accident insurance can reimburse the related medical expenses caused by the accident in proportion. Some products not only support the protection of accidents, but also include sudden death in the scope of protection, which is really a friendly guarantee for white-collar workers.
4. Life insurance
For white-collar workers, most of them are the main economic pillars of the family and bear the income burden of the whole family. Once you fall, the blow and loss are unpredictable for the whole family behind you.
Life insurance can protect the insured from death, and some products can also protect the disabled. White-collar workers need to prepare an insurance for themselves to prevent serious economic losses to their families after death.
Third, the secret of public insurance!
There are many types of insurance, and there are countless insurance products on the market, many of which are very popular. For example, for critical illness insurance, the products with far-ahead sales in the market include Centennial Kanghuibao Ultimate Edition 2.0, Tongfang Universal Versailles plus, Huaxia Ivy League, Guo Fu Life Darwin No.6, Hetai Super Mary No.6, ruitai Lexiang Ankang 202 1 and so on.
All kinds of insurance products are available. How should we start? Many white-collar workers have just decided to buy insurance. They have no choice but to face a series of problems in the process of buying insurance, the first of which is how to choose insurance.
When buying insurance, white-collar workers must master the content of product protection, and don't blindly follow the trend to buy products from big companies. Let's take Versailles plus as an example to analyze whether these popular products on the market are worth buying!
"Versailles plus critical illness insurance has returned heavily, and you must look at the in-depth evaluation before buying! 》
The above are suggestions for the allocation of critical illness insurance, while medical insurance and accident insurance are very close to the purchase precautions of life insurance, and the most important thing is product quality.
After the above insurance configuration, if white-collar workers still have spare money, they can consider buying an insurance product with financial management function, such as whole life insurance, which will increase the insurance coverage and guarantee/benefit at the same time.
Fourth, white-collar workers buy insurance lightning protection tips
Since there are so many types of insurance on the market, isn't there much difference between each type of insurance products? Actually, it's not. White-collar workers have many things to pay attention to when they start insurance.
Just like life insurance, there are many differences in this kind of insurance products, such as the length of guarantee period (guarantee period and whole life insurance), the different product attributes (term whole life insurance and increased whole life insurance), the different guarantee content and payment ratio, and so on.
If white-collar workers want to buy this kind of insurance, they need to choose the most suitable insurance type and product configuration according to their own needs and economic ability.
5. Where should white-collar workers buy insurance?
After deciding which insurance products to buy, white-collar workers have to deal with the next problem. Where is the right place to buy insurance? Buying insurance was nothing more than buying online and offline.
If online insurance is adopted, white-collar workers are also allowed to buy insurance in the insurance company official website or the insurance mall or the insurance company app, or buy insurance on third-party platforms such as the insurance brokerage platform.
If offline insurance is considered, white-collar workers need to go to the physical outlets of insurance companies to insure, or find insurance agents to buy.
So what's the difference between online and offline channels? Where to buy insurance is more cost-effective? Is online insurance really reliable? How should I choose? Don't worry, click on the link below, and senior sister will answer these questions for you one by one!
"Is it reliable to buy insurance online? What is the difference between online insurance and offline insurance? 》
6. How does a family buy insurance?
After white-collar workers buy insurance for themselves, they can buy insurance for children and the elderly if their wallets are still bulging.
Here, the senior also tells the white-collar workers what insurance products to buy for children and the elderly respectively.
Children: Children's medical insurance, children's critical illness insurance, medical insurance and accident insurance. Children's medical insurance can be said to be a welfare policy given to every child by the state. This wool is not rich, and medical insurance and children's critical illness insurance are complementary. It is best to buy an accident insurance for your child, and the protection will be more comprehensive.
Old people: anti-cancer insurance, anti-cancer medical insurance, accident insurance. Old people who buy critical illness insurance and medical insurance may lose their insurance opportunities because of poor health information, while anti-cancer insurance and anti-cancer medical insurance have lower requirements for health information and are more concerned about the elderly.
Write it at the end
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!