Recently, many fans have sent me private messages in the background. What should I pay attention to when buying insurance for different professions? Today we will take fresh graduates as an example to see how to buy insurance? What insurance products should I buy? What issues should new graduates pay attention to when considering buying insurance products? After everyone saw the specific content of the article, everyone understood it clearly.
1. Why should we buy insurance for recent graduates?
Many college students or young people think that since they are young and in good health, it is not worthwhile to buy insurance so early, but the reality is different. Insurance is used to provide protection and avoid unpredictable risks. If a risk occurs, you will miss the opportunity to buy insurance. Therefore, you should buy insurance in time to protect yourself when you are healthy and meet the insurance conditions. And if you buy insurance at this time, some insurance companies The required premiums are generally not particularly high.
For friends who have just graduated, just entered the society and started working, and transformed from the role of students to a real social person. After graduation, when you really start to become a migrant worker, you need to travel frequently to various cities, and you may even travel for long distances. In the process, accidents may happen.
2. This is how fresh graduates should buy insurance!
The insurance plan for newly graduated students is quite simple. It is generally recommended to buy: critical illness insurance, million-dollar medical insurance, accident insurance, and life insurance.
1. Critical illness insurance
Critical illness insurance means that when the insured is diagnosed with a serious illness and meets the contract requirements, he or she can receive compensation. 75% of Chinese people are in a sub-healthy state, and young people who have just graduated are more likely to suffer from certain major diseases than the elderly. If unfortunately they are diagnosed with a serious illness, most young people cannot afford the treatment of the serious illness. Therefore, it is very necessary for those who have just graduated to get a critical illness insurance to protect themselves.
However, with so many critical illness insurances on the market, everyone probably doesn’t know which one is better to buy. I have compiled ten cheap and guaranteed critical illness insurances, don’t miss it!
"A comprehensive review of the top ten popular critical illness insurances worth buying! 》
2. Million-dollar medical insurance
What is million-dollar medical insurance? It is medical insurance with an insured amount of up to millions. The coverage of the million-dollar medical insurance is relatively comprehensive and can reimburse the expenses of hospitalization, outpatient surgery, etc. However, one thing to note is that medical insurance generally has a deductible. The deductibles of the million-dollar medical insurance on the market are generally average. for ten thousand yuan.
After newly graduated young people join the workforce, they may stay up late and work overtime at any time. The frequency of exercise is becoming less and less, and their resistance is getting lower and lower. At this time, it is very necessary to configure a hundred Universal medical insurance to protect yourself.
3. Accident insurance
Accident insurance is a personal insurance that pays insurance benefits based on the death or disability caused by the insured's accidental injury.
Young people who have just graduated are running around in order to make money, and the chance of accidents is also very high. Purchasing an accident insurance can effectively solve the financial problems caused by having no income when misfortune happens to you. Moreover, the premiums of accident insurance are relatively low and are basically within the financial capabilities of young people who have just graduated.
4. Life insurance
Life insurance usually takes the death of the insured as the insurance subject. For example, if the death of the insured is due to an accident or illness, you can obtain insurance. The company shall compensate accordingly.
People who have just emerged from society have begun to bear the burden of the family and gradually become the family's financial supporter. In this case, the senior sister suggested that if the economic conditions are still good, they can give more Set up a life insurance policy yourself. Life insurance can subsidize your family with a sum of money when you unfortunately die. If you are an only child, you can provide for yourself when you grow old.
3. Insurance evaluations on the market suitable for fresh graduates!
Nowadays, there are many insurance products suitable for young people who have just graduated, and they all sell very well. For example, critical illness insurance includes China Ivy Critical Illness Insurance, Guofu Life Darwin 6, Hotai Life Super Mario 6 Critical Illness Insurance, Guardian 5, Evergrande Hengjia Insurance Premium Edition Critical Illness Insurance, etc.
Many people think that as long as it is popular or a product from a big company, it is good, but this is not the case. Whether a critical illness insurance product is excellent or not can only be determined through a comprehensive analysis of the protection content, terms, etc.
The following senior sister will take the popular Hetai Life Super Mario No. 6 critical illness insurance in the market as an example to analyze whether these popular products in the market are worth buying!
"Super Mario 6 critical illness insurance is extremely cost-effective?" But they were picked out of these two places..."
In addition to critical illness insurance that can protect against serious illness, which sells better, there are also many whole life insurance policies on the market that are also particularly popular.
For example, Hetai Xin Xiangying Whole Life Insurance, Beautiful Life Whole Life Insurance, Changsheng Youjiajia Whole Life Insurance, Great Wall Liyingying Whole Life Insurance (Internet Exclusive), Bohai Life Moving forward worry-free whole life insurance, etc., they It also has a savings function.
So are these popular products necessarily good? To judge whether a whole life insurance product is good or bad, just analyze its terms and content.
4. New graduates must read before buying insurance!
After studying the above content, I believe that people who have just graduated will know how to buy an insurance that suits them, and they will also know whether a product is really reliable.
However, today’s insurance products are updated very quickly. Different companies and different products have different coverage, compensation ratios, exemption clauses, etc. From the perspective of a recent graduate, , the above factors will inevitably make people feel overwhelmed and unable to start at all.
Thus, buying insurance may seem easy, but in fact it involves other knowledge, and you should choose it based on your own needs.
The senior sister recommends that when purchasing insurance, in addition to understanding the protection content of the product! These points also need to be paid attention to, otherwise you will be cheated if you are not careful!
"Which insurance is better, how to buy it cost-effectively, and how to avoid the pitfalls of insurance step by step"
5. Where can fresh graduates buy insurance at the most cost-effective place?
I believe everyone already has the answer to how to insure fresh graduates. So for those who have just left campus, where is the most cost-effective place to purchase insurance?
We have two channels for purchasing insurance: online and offline.
The channels for online insurance generally include:
1. The insurance company’s own official website, APP, insurance mall and third-party insurance mall, such as Ant Insurance in Alipay and WeChat WeInsurance and other channels;
2. Insurance brokers and other channels;
3. There is no problem in calling the insurance company’s telemarketing hotline. Telemarketing has developed into a good channels for selling products.
Offline insurance channels generally include:
1. Physical stores (offline outlets); for example, large companies like Ping An Insurance have more than 2,800 offline insurance outlets across the country. If you need to buy it at a business outlet, you can buy it directly offline.
2. Insurance agents can also find suitable insurance products for us. In fact, it is "face-to-face" sales.
6. How to buy home insurance?
As a recent graduate, after arranging insurance for myself, I should also buy suitable insurance for my parents at home.
After all, people who have just graduated have just started working and the economy has just started. If something unexpected happens to their parents at this time, it will be very difficult for them to bear such an expense. .
Moreover, as the age of parents continues to rise, they have a higher rate of illness and accidents. Therefore, it is also useful for people who have just graduated to buy insurance for themselves and provide their parents with complete insurance. Necessary.
Write it at the end
I am a top scholar who talks about insurance, focusing on objective, professional and neutral insurance evaluation;
If the above content has not solved your problem For questions, you can also consult me ??on the official account Xueba Talk Insurance;
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