Then take this opportunity to learn how to buy insurance for a 29-year-old woman. Interested friends don't miss it!
For friends who don't know much about insurance, this ultra-detailed popular science article must be read:
"Super complete! Everything you want to know about insurance is here.
1.How should a 29-year-old woman buy insurance?
29 years old can be said to be very young, but there are also risks of illness and accidents. Senior sister thinks the best insurance starts with the following points:
1, critical illness insurance
Critical illness insurance is insurance to protect major diseases. The diseases mentioned in the contract are guaranteed by the insurance company. For the insured who is diagnosed as sick and falls within the scope of claims, they can get the corresponding insurance money from the insurance company.
Being young doesn't mean you can avoid all diseases. From the data of critical illness insurance claims, it can be found that the population aged 2 1-40 has the highest proportion of illness, with an average proportion higher than 50%. Therefore, critical illness insurance can avoid the economic risks brought by serious illness.
Please remember to pay special attention to this point when placing an order:
The most basic protection should be complete, including mild, moderate and severe illness protection.
According to the survey report data of insurance companies, if women suffer from malignant tumors, the claim rate is as high as 80.3%. Therefore, if women buy critical illness insurance, they must guarantee the second payment for malignant tumors.
In terms of security, life insurance is a better choice for people with sufficient budget, and it will be guaranteed regularly if the money is not enough.
High insurance is not the only goal. For most people, the insurance coverage of 300,000 to 500,000 is enough.
Interested in more precautions for purchasing critical illness insurance, please refer to this article:
Suggestions on purchasing critical illness insurance under the new regulations of critical illness insurance! 》
2. Medical insurance
Medical insurance can play the role of reimbursement of illness expenses. According to different products, the scope and proportion of reimbursement are also different.
Medical insurance generally includes millions of medical insurance, small medical insurance and high-end medical insurance.
Female friend is in hospital and wants to solve the problem of medical expenses reimbursement. Senior sister suggested giving priority to buying millions of medical insurance to solve this problem. Because millions of medical insurance is a medical insurance with high cost performance, the annual premium is only a few hundred dollars, so we have a way to buy millions of insurance coverage.
Please remember to pay special attention to this point when placing an order:
Medical insurance is a short-term insurance, and the guarantee period is only 1 year, so it is best to choose medical insurance with guaranteed renewal.
It is best to include both general medical insurance and critical illness medical insurance in the basic security content.
Consider not asking for reimbursement in social security. If there is social security, then it depends on whether the reimbursement ratio after social security can reach100%; If you don't participate in social security, then you should choose a better reimbursement ratio without social security settlement.
Regarding the medical insurance for serious diseases, it is best to have proton heavy ion insurance, because proton heavy ion is an advanced technology in the diagnosis and treatment of malignant tumors at present, and its curative effect is obviously expensive.
You don't need to ask too much for the 0 deductible of medical insurance. After all, 0 deductible medical insurance premium is not a discount. The general deductible is around 1 10,000, which is a good choice.
3. Life insurance
The object of life insurance is a person's life. In other words, when people leave and die, they lose money. Family pillars with heavy economic responsibilities are more suitable for buying life insurance. If he dies for some reason, this insurance can ensure his family to spend a period of time smoothly.
Suppose you are the breadwinner of your family, you can consider buying life insurance. If you haven't got a family, life insurance can wait.
If you need to buy life insurance, please note: term life insurance is more suitable for wage earners; High-income people buy whole life insurance.
4. Accident insurance
Accident insurance is mainly used to protect the insured from personal injury caused by accidents. It should be noted that natural death, disease, sudden death, suicide and self-injury are not accidental injuries.
The premium of accident insurance is actually not high, and the accident insurance period of several hundred dollars is one year. Please remember the following points:
It is recommended to order short-term accident insurance.
When purchasing, analyze in detail whether there are any omissions in the three basic guarantees of accidental disability, accidental death and accidental medical treatment.
The additional protection of different accident insurance is somewhat different, such as sudden death protection, traffic accident protection and accidental hospitalization allowance. You can arrange flexibly according to your own needs.
The four kinds of insurance mentioned above are ok, and these popular products are worth recommending ~
2. What good insurance products do you recommend?
1, critical illness insurance-Versailles plus
In China, most women's physical state has always been sub-healthy, and many people have gynecological diseases. Under normal circumstances, the health notice of critical illness insurance will ask the insured whether there are female-related diseases, and some female friends have minor problems such as gynecological diseases, which will not affect the purchase of Versailles plus. In addition, Versailles plus can triple the compensation for malignant tumors, so that women's disease protection needs can be met.
2. Medical Insurance-Love Unlimited 202 1
Treasure Unlimited 202 1 has general medical insurance and critical illness medical insurance, with a coverage of 3 million, which is not bad. At present, the waiting period for medical insurance is generally 90 days. However, if the insured buys Zhenai Unlimited 202 1, the waiting period is only 30 days, which is more considerate of the rights and interests of the insured.
It is necessary to emphasize its value-added services, mainly including proton heavy ions, drug coupons on the 88-fold line, green passes for serious illness, hospitalization advance, international secondary diagnosis and treatment, etc. , can be used well in real life.
Friends who want to know more about this product can read this article:
JD.COM Allianz's upgraded medical insurance "True Love Unlimited 202 1 Edition" is so tricky! 》
Summary: Women, especially 29-year-old women, should give priority to four types of insurance when purchasing insurance: critical illness insurance, medical insurance, life insurance and accident insurance. How to buy insurance products that suit you naturally needs to be considered in combination with our actual budget and needs.
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