Why don't young people in China buy health insurance?

It is necessary for young people to buy a health insurance to protect themselves. Health insurance is generally a kind of insurance that provides long-term (decades or life-long) protection for some major diseases. The probability that a person may suffer from major diseases in his life is 72. 8%, few people can be healthy all their lives, and the cost of major diseases is usually not small. If you are unfortunately suffering from a major illness during the struggle, the life of the whole family will be affected.

Therefore, health insurance is the second necessary guarantee above life insurance. For friends with a slight economic balance, you can plan your own health insurance as soon as possible.

When choosing to buy health insurance, you should follow the following principles:

First, in the case of installment payment, if you suffer from serious illness during the payment period, you can enjoy the premium exemption function, which can not only get the critical illness insurance, but also avoid future payment.

Second, although the total premium of installment payment will be higher than that of lump sum payment, for young friends, installment payment can ensure their health as soon as possible in the case of insufficient funds. Moreover, under normal circumstances, our income is increasing. If we can afford the annual insurance premium now, then we will certainly be able to afford it in the future. Coupled with the interest factor, installment payment may not be more cost-effective than lump sum payment.

Third, when buying health insurance, we must pay attention to the setting of "observation period". If you get sick during the observation period, you won't get insurance money. Also pay attention to the deductible, including the severity and amount of the deductible, within which the insurance company will not compensate. Moreover, different health insurance has different protection. When purchasing health insurance, you must carefully read the corresponding types of disease protection to ensure that it meets your own needs.