There are many insurance products, so there is no need to give up thousands of good products for a company. Nowadays, young people are under increasing pressure, know more long-term planning, and their awareness of insurance is constantly improving. However, the discrimination ability of young people is still not high enough, and there are so many insurance products that it is not easy to choose the insurance that suits you. So I gave an answer to people of this age about how to configure insurance at the age of 20.
Young people mainly face these problems:
(1) I don't have long working hours, I don't have a strong sense of saving money, and I am used to luxury. At this time, the economic foundation is relatively weak.
(2) I worked hard to meet the expectations of my family, and many problems appeared, which caused great pressure, and the probability of suffering from major diseases such as vascular diseases, hypertension, stroke, cancer and acute myocardial infarction increased.
Through the analysis, we can see that at this age, comprehensive insurance with lower price should be chosen to protect diseases, and accident insurance+critical illness insurance+million medical insurance can be configured.
1. critical illness insurance
According to WHO data, 75% of people in China are in sub-health, and the probability of young people suffering from some major diseases is higher than that of the elderly, and major diseases are gradually occurring in this age group of young people. Critical illness insurance covers major diseases and moderate/mild diseases. Most young people are unable to treat major diseases, so it is necessary to buy a critical illness insurance. In terms of price, look at this picture first:
Moreover, in old age, if you get some diseases, you can't buy any more. The sooner you buy critical illness insurance, the better.
The list shows: "Designed for 20 years old! Top ten critical illness insurance stocks worth buying in 2020! 》
2. Accident insurance
Accident insurance only needs about 100 yuan, and there are hundreds of thousands of insurance coverage to protect accidental disability and death. Young people can buy it on a small budget. You can choose an accident insurance first and then look at the others. For young people, accident insurance with sudden death is more suitable for purchase.
3. Millions of medical insurance
Millions of medical insurance mainly reimburses sick hospitalization, and some medical insurance also has a medical green channel, which can provide proton heavy ion therapy. The reimbursement amount of millions is only two or three hundred dollars a year, and the price of civilians is more acceptable.
But you can't buy it indiscriminately. After all, there are too many products with uneven quality. Can refer to: designed for 20 years old! The 10 million medical insurance stocks worth buying in 2020! 》
Hope to adopt!
The same number on the whole network: Xueba said insurance, welcome to search!
Source: Xueba said that insurance official website