Recently, a friend asked why and how to buy insurance for a 36-year-old. What should I pay attention to? Senior sister will tell you today!
Today, we will talk about how 36-year-old people buy critical illness insurance and how to choose the insured amount, and then introduce a very good critical illness insurance to the 36-year-old group.
36-year-old people buy critical illness insurance, don't worry, first look at the pit prevention guide compiled by senior sister: "Which is good for critical illness insurance, how to buy it cost-effectively, and teach you to avoid pits by hand"
1.36-18 years old, is it enough to buy 300,000 insured critical illness insurance?
Let me talk about my own judgment first. The 36-year-old person starts the critical illness insurance, and the insured amount of 300,000 is only the tip of the iceberg, at least 700,000.
Why? You can see it clearly below.
If the insured who wants to buy critical illness insurance is 36 years old, these three aspects play a great role in the choice of insurance coverage.
1, the cost of serious illness treatment
In China, the cost of treating a serious illness is very high.
For leukemia, a major disease, the cost of treating this serious disease needs 200,000 to 500,000 yuan.
If the coverage of critical illness insurance can cover medical expenses, then it makes sense to buy this critical illness insurance.
Senior sister suggested that if a 36-year-old person is insured with critical illness insurance, it will cost at least 300,000 yuan to treat critical illness insurance.
2. Rehabilitation expenses
It will take us a long time to recover from a serious illness.
After a serious illness, you need to pay for the recovery of physical function, and even go to the hospital for regular check-ups according to the doctor's advice. Counting these expenses together is a big expense.
In other words, 36-year-old people should set aside at least 200,000 yuan for later related expenses when purchasing critical illness insurance protection.
3. Compensation for income loss
Once you are unfortunately suffering from a serious illness, the treatment process and rehabilitation process will take a long time, resulting in no financial resources for everyone. At this time, the importance of critical illness insurance protection is fully reflected.
The most important thing for a 36-year-old to buy critical illness insurance is to reserve a copy as compensation for income loss, about 200 thousand.
To sum up the previous point of view, a 36-year-old person should buy critical illness insurance with a minimum coverage of 700,000 yuan and a critical illness insurance coverage of 65,438+10,000 yuan, which can't resist risks at all.
So, what high-quality critical illness insurance are available for the 36-year-old people to choose from? Senior sister will tell you slowly ~
The second is the critical illness insurance for the 36-year-old population. Senior sister recommends this one!
Now there are many kinds of critical illness insurance products. By ensuring the content and cost performance, Senior Sister selected a high-quality product suitable for the 36-year-old population. This product is called the first edition of Ruyi Golden Gourd.
Traditionally, first browse the essence of the first edition of Ruyi Golden Gourd:
Stop talking nonsense and learn the advantages directly!
1, short waiting time.
The waiting period of the first edition of Ruyi Golden Gourd is only 90 days, which is the best level on the market and very intimate for the 36-year-old people.
Compared with some products with a waiting period as long as 180 days, the 36-year-old people can enjoy the product guarantee faster through the first edition of Ruyi Golden Gourd, which is very humanized.
Most of my friends are still worried. If there is an accident while waiting, can I still make a normal claim? Now it is finally clear: "What should I do if I get out of danger during the waiting period? If you don't understand, you will suffer a big loss! 》
2. Optional triple compensation for malignant tumor.
For example, malignant tumor, a serious disease that is easy to occur, can be summarized in a long treatment cycle, and the recurrence rate is also high.
At present, there are many critical illness insurances to guarantee the second payment for diseases such as malignant tumors, but the first edition of Ruyi Hulu mentioned the payment for malignant tumors three times.
This setting of the first edition of Ruyi Golden Gourd is really great, which can make 36-year-old people more confident to fight against the disease. It's really great.
Comparing the payment times of malignant tumors, the first edition of Ruyi Golden Gourd can compete with Versailles 1.
3. The proportion of additional compensation for serious illness is high.
The first edition of Ruyi Golden Gourd has set up extra compensation for serious illness protection, stipulating that if you suffer from serious illness for the first time before the age of 60, you can get 80% extra compensation.
Take 500,000 insured amount as an example for conversion. For the first edition of Ruyi Golden Gourd, 36-year-old people can get 180% of the insured amount, which is equal to 900,000 yuan.
This extra compensation for serious illness is so high that I have to say that the first edition of Ruyi Golden Gourd is not stingy at all, but generous!
The above mentioned is just the tip of the iceberg of the advantages of the first edition of Ruyi Golden Gourd. If you want to know more about this product, 36-year-old friend, here is what you want to know: How about the first edition of Ruyi Golden Gourd? The key depends on these points! 》
Summary: If a 36-year-old wants to buy critical illness insurance, the insured amount should be at least 700,000. For the 36-year-old who wants to configure critical illness insurance, the first edition of this wishful gourd is really a good choice.
That's all for the evaluation. I look forward to our next communication!
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I am an expert in insurance, focusing on objective, professional and neutral insurance evaluation;
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