First of all, buying insurance means buying products, not buying companies. If this company fails, it will be replaced. Nowadays, young people are under increasing pressure to plan their own future, and their awareness of insurance is constantly improving. However, young people's recognition ability is still not high enough, and there are so many insurance products that it is not easy to choose the insurance that suits them. So I made a plan for people of this age to buy insurance at the age of 25.
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) I worked hard to meet the expectations of my family, and many problems appeared, which caused great pressure, and the probability of suffering from major diseases such as vascular diseases, hypertension, stroke, cancer and acute myocardial infarction increased.
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 more and more prone to major diseases. Critical illness insurance covers major diseases, moderate/mild diseases, and often requires hundreds of thousands of critical illness treatment fees, which many young people cannot afford. It is extremely important to buy a critical illness insurance. Take a look at this comparison chart first:
The analysis shows that with the increase of age, the price of critical illness insurance is getting higher and higher. If you don't buy it early, you may not be able to buy it once you have a minor illness. The sooner you buy critical illness insurance, the better.
If you don't know how to choose, you can take a look at this popular list:
2. Accident insurance
The insured amount of accident insurance is only about 100 yuan, which is more suitable for young people to buy. Buy an accident insurance before buying something else. For young people, it is best to have an accidental death insurance.
3. Millions of medical insurance
Millions of medical insurance mainly reimburses sick hospitalization, and some medical insurance also has a medical green channel, which can provide proton heavy ion therapy. As long as two or three hundred dollars a year, there are millions of reimbursement quotas, and the budget is not high.
But you can't buy it indiscriminately. After all, there are too many products with uneven quality. You can refer to: