First, why should I buy insurance for blue-collar workers?
The key to the high risk factor of blue-collar workers lies in aerial work, large-scale equipment work and special place work. For example, construction workers spend a long time on the construction site and the environment is chaotic. In addition, there are many large-scale equipment and building materials, and they often work at high altitude, so the risk factor is quite high. We may often read the news that while working for a worker on the construction site, a steel bar was punctured, and he accidentally fell and suffered a concussion. ...
It is worth mentioning that in addition to the above-mentioned creepy risks, there are also health deterioration caused by long-term high-intensity work on weekdays, as well as injuries caused by minor sprains and minor injuries accumulated over time. Therefore, it is very necessary to buy a suitable insurance for blue-collar workers.
Second, the best allocation of blue-collar workers' insurance.
The blue-collar class's insurance allocation scheme is less difficult, and these four types must be purchased, namely: critical illness insurance, million medical insurance, accident insurance and life insurance.
1, critical illness insurance
Critical illness insurance means that when the insured encounters a serious illness, he can get the claim within the scope of the conditions agreed in the contract. Because blue-collar workers work hard, minor ailments and pains accumulated for a long time have caused great harm to their health, and even they will be entangled in serious diseases, so it is necessary to configure a critical illness insurance for blue-collar workers.
However, there are so many critical illness insurances on the market that it is estimated that everyone does not know which one to buy. Senior sister has compiled ten cheap and guaranteed critical illness insurance, so don't miss it!
"Top Ten Hot Critical Illness Insurance Inventory Worth Buying! 》
2. Millions of medical insurance
Millions of medical insurance refers to medical insurance with a coverage of one million. Millions of medical insurance is comprehensive, such as hospitalization and outpatient surgery, and some expenses can be reimbursed, but it is worth noting that medical insurance generally has deductibles, and the deductibles of millions of medical insurance on sale are generally 1 10,000 yuan.
Blue-collar workers, the reason is that the long-term working environment is relatively bad, and it will cause serious harm to the body for a long time. At this time, it is very necessary to configure a million medical insurance to provide protection for yourself.
So what millions of medical insurance are suitable for blue-collar workers? Sister Xue has compiled a list, and you can click on the link to get it!
The latest 10 million medical insurance rankings are freshly released! 》
3. Accident insurance
Accident insurance is equivalent to life insurance with the death and disability of the insured due to accidental injury as the threshold for paying insurance benefits. Because blue-collar workers work in high-risk environment for a long time, the possibility of accidents will also increase.
Insuring an accident insurance can effectively solve the economic problems caused by insufficient income when you have an accident, and accident insurance generally does not need to pay a lot of premiums and will not bring great economic pressure.
4. Life insurance
Life insurance is to provide insurance protection around the death of the insured. When the insured dies due to accident, illness or other reasons, the insurance company will make claims for the insured.
Because blue-collar workers are engaged in special jobs, the risk factor is higher than that of ordinary industries, and accidents are prone to occur at work, resulting in more cases of death. Therefore, if the senior feels that the budget is sufficient, she must buy a life insurance. Life insurance is enough for family members to get a sum of compensation when they die unfortunately, which is enough for their future life, and even if they die, they can continue to pass on love and responsibility.
Third, the market evaluation of blue-collar insurance products
At present, there are many insurance products on the market that meet the blue-collar situation and are favored by many people. For example, critical illness insurance includes Huaxia Ivy Critical Illness Insurance, Guo Fu Life Darwin No.6, Hetai Life Super Mary No.6 Critical Illness Insurance, Guardian No.5, Evergrande Hengjiabao Privileged Critical Illness Insurance and so on.
But there are so many insurance products on the market, which product is better to choose? Many blue-collar workers were confused when they were just about to buy insurance. Faced with many types of insurance and products on the market, they don't know which products are suitable for their own configuration.
After configuring the critical illness insurance, if the blue-collar friends are still relatively well-off, consider configuring a whole life insurance product to make their protection more adequate. Undoubtedly, the biggest feature of life insurance products is that they can pay an insurance premium after death, and love and responsibility can continue.
At present, there are some overall life insurance products in the market that perform very well, such as Taixin's overall life insurance, Good Life's overall life insurance, Changsheng's overall life insurance, Great Wall Li Yingying's overall life insurance (exclusive to the Internet), Bohai Life Insurance and so on.
So are these products really popular? In fact, to judge whether a whole life insurance product is good or not, we only need to analyze its terms and contents.
Fourth, blue-collar workers must see clearly before buying insurance.
Seeing this, I believe that the majority of blue-collar friends know how to configure an insurance that suits them and how to judge whether a product is reliable.
However, there are various insurance products on the market now, and the coverage and payment period of different companies' products are different.
For example, life insurance, such insurance products are obviously different. For example, according to the length of guarantee, it is divided into warranty period and whole life insurance, and the product attributes are divided into regular whole life insurance and whole life insurance, and the guarantee content is also different.
Therefore, when choosing this kind of insurance, blue-collar workers need to combine their own needs and their own economic ability to choose the insurance products that suit them.
5. Where is the most cost-effective place for blue-collar workers to buy insurance?
How to buy an insurance for blue-collar workers? I believe everyone has a certain understanding, so where is the most cost-effective place to buy insurance products for people engaged in blue-collar work?
Actually, we have a way to buy insurance. Two common channels are online and offline.
If you apply for insurance online, blue-collar workers can apply for insurance through the insurance company official website or the insurance mall or the insurance company's APP, or they can directly choose to apply for insurance on third-party platforms such as the insurance economic platform.
If it is offline insurance, you can go to the physical store opened by the insurance company to buy insurance, or go to the insurance agent when buying insurance.
6. How to buy family insurance?
As a blue-collar worker, it is not enough to provide insurance for yourself, but also to provide appropriate insurance for your family.
With the growth of parents' age, the physical function is not as good as before, and the probability of illness and accidents will increase; In addition, because children are naturally active and have weak resistance, minor bumps and ailments are also common.
Moreover, the nature of blue-collar workers' work is different from that of ordinary workers. If they work in mines and other places, they may not go home for a long time and have no way to be with their families. Therefore, it is necessary to choose suitable insurance for parents and children.
So what kind of insurance should each family member buy? Click on the link below and let senior analyze it for you!
"3 plans, complete family insurance"
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