So for a 34-year-old man, do you need to buy insurance? What should I pay attention to when buying insurance? Senior, let me tell you!
Of course, senior sister is here to pay direct attention to friends with limited time! Collect ten cost-effective critical illness insurances, which are more suitable for male friends. There must be products you like:
"Recommend to you about 40 years old, the top ten critical illness insurance stocks with good quality and low price! 》
1.34 What are the high-incidence and serious diseases of men?
We often say that buying insurance is to suppress all kinds of risks through it, and so is buying critical illness insurance.
Therefore, before explaining to you how to configure critical illness insurance for 34-year-old men, we might as well look at what disease risks men of this age may encounter!
According to the report in the National Health Education Reader for the Prevention of Major Diseases:
National health education reader for preventing major diseases
Many serious diseases are common in young men around 30 years old, such as malignant tumor, acute myocardial infarction, end-stage renal disease, stroke sequelae, severe coronary heart disease and so on. Let's talk briefly about malignant tumor diseases. For malignant tumors, male common thyroid tumors, liver cancer, lung cancer, nasopharyngeal carcinoma, leukemia.
Therefore, 34-year-old men need to pay special attention to whether the product provides comprehensive protection for men with high incidence and serious illness when configuring critical illness insurance products. Only when the safeguard measures are in place can the risks brought by serious diseases be effectively transferred.
Second, for a 34-year-old man, what kind of cost-effective critical illness insurance is worth buying?
The 34-year-old male has a high incidence and a serious illness, and we have a certain understanding. Let's take a look at the critical illness insurance products that are suitable for configuration on the market. Which critical illness insurance product is cost-effective?
I recommend two critical illness insurance products to my friends:
& gt> & gtJD.COM Allianz Male Specific critical illness insurance
JD.COM Allianz Male Specific critical illness insurance
Allianz male-specific critical illness insurance is a product specially designed to protect men from high incidence and special diseases. Taking the protection of male-specific malignant tumor, accidental death and disability as the basic responsibility, we also set up optional protection such as hospitalization allowance for male-specific malignant tumor.
JD.COM Allianz Male-specific Critical Illness Insurance is especially targeted at male-specific malignant tumors, including lung cancer, liver cancer, gastric cancer, esophageal cancer and other male-specific critical illnesses, and the coverage is also very practical.
Secondly, Allianz has set up three protection plans for men's specific critical illness insurance, namely simplified version, basic version and exclusive version. The insured can choose freely according to their actual situation and economic situation, and choose the protection that best meets their own standards.
Moreover, the health notification of Allianz's male-specific critical illness insurance is not strict, only four health notifications are needed, and there are no problems such as body mass index, smoking and drinking. It is especially beneficial for friends who are in a sub-health state or have obesity problems, or who usually have habits such as smoking and drinking.
We are observing the cost performance. If a 34-year-old man wants to buy an Allianz male-specific critical illness insurance (exclusive version), and his male compatriots have hospitalization subsidies for specific malignant tumors, he only needs to pay 144 yuan premium for one year, and the price is very real ~
For some families who care about the guarantee of malignant tumor, it is also good to configure a guarantee as critical illness insurance ~
However, it is worth noting that Allianz's male-specific critical illness insurance is a critical illness insurance product with a guarantee period of one year, which has the problem of insufficient guarantee period.
If you want to know more about this product, you can click on this article:
Allianz male-only critical illness insurance is heavily listed, which is the real male gospel! 》
If you are interested in long-term comprehensive critical illness protection partners, please refer to the following products:
& gt& gt& gt Versailles plus
First of all, Tongfang's global Versailles aggravated illness insurance is a one-time payment, including 70-year-old protection and lifelong protection.
The life-long version of the basic guarantee includes the following types of protection: serious illness, moderate illness, mild illness, multiple compensation for malignant tumor (heavy), and comprehensive basic protection; The 70-year-old basic security version also has the type of critical illness protection. You can choose multiple compensation guarantees for moderate diseases, mild diseases and malignant tumors (severe), and the freedom of choice is not low.
Different people can choose the most suitable version according to their actual situation and needs, which is quite good.
Secondly, as far as the disease protection of Versailles plus is concerned, the critical illness insurance of Versailles plus is not low in comprehensiveness. The incidence of male serious diseases such as malignant tumor, acute myocardial infarction, end-stage renal disease and stroke sequelae is low, and the corresponding mild and moderate diseases can be guaranteed in place!
In addition, the guarantee content of Versailles plus also includes optional malignant tumor-severe multiple compensation guarantee service, and the needs of people who are concerned about malignant tumor protection can also be met, which is very thoughtful.
Thirdly, Versailles plus has additional compensation guarantee for severe, moderate and mild diseases. If the insured is diagnosed with serious illness for the first time before the age of 60, he can pay180% of the basic insurance amount; Those aged 60-64 who are diagnosed with serious illness for the first time can enjoy the basic insurance coverage of 130%; If the insured is diagnosed with moderate or mild illness for the first time before the age of 60, the insurance company will pay an extra 65438+ 05% of the basic insurance amount!
It is still very considerate to the insured, which means that the amount of protection has increased, which can provide more powerful protection for the insured!
We are observing the cost performance. If a 34-year-old man buys Versailles plus, the insured amount is 500,000, plus the protection of mild and moderate diseases. People under the age of 70 can be guaranteed, and they only need to pay 6550.00 yuan a year for 30 years! This price-performance ratio is quite competitive compared with similar products on the market!
In short, Versailles aggravated illness insurance not only provides comprehensive protection, but also provides a high proportion of serious illness protection, and also includes optional protection for multiple compensation for malignant tumors! This model can be one of the choices for male friends who are interested in comprehensive protection, high amount of protection and high cost performance!
The number of words is limited, so the senior sister won't elaborate on more details of this product. Interested friends can poke this article:
"Versailles plus critical illness insurance has returned heavily, and you must look at the in-depth evaluation before buying! 》
Write it at the end
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