Is it necessary for a 30-year-old to buy insurance? What should I pay attention to when buying insurance? The following senior sister will answer everyone one by one.
1.30 Is it necessary for people to buy insurance?
Senior sister heard many people ask such a similar question: "Do 30-year-olds need to buy insurance?" My answer is yes, it is definitely necessary to buy insurance at the age of 30.
When a person reaches the age of 30, it is time to get married and start a family. If his parents have only one child, they must not only bear the expenses of raising the child and family expenses, but also support themselves independently.
After the accumulation of time, it has now become the economic pillar of the family. If you can't support it at this time, you can't work and have no economic income. Family expenses, mortgage, car loan, children's education and other expenses. Won't let you breathe, because you have fallen.
This is what you need to face, in addition to all kinds of expenses in life, even you have to face expensive treatment costs. There is no doubt that it will have a great impact on your family. Even if your spouse has a job, you may have to leave your job temporarily because you have to take care of it.
It is conceivable that a 30-year-old person must buy an insurance policy, or he may face economic collapse in case of any major accident, so buying insurance is a very useful means for us to guard against economic risks.
So how should a 30-year-old person buy insurance? I believe many friends will be a little confused. Sister Xue has prepared a 30-year-old insurance guide here to help you buy insurance and not step on the pit!
"What kind of insurance is suitable for buying around 30 years old? 》
Second, the best allocation scheme of 30-year-old insurance
For a 30-year-old person, it is recommended to buy critical illness insurance, millions of medical insurance, accident insurance and life insurance.
1, critical illness insurance
Critical illness insurance is included in the category of payment insurance. If the insured is diagnosed as a serious illness as stipulated in the contract and can meet the claim conditions, the insurance company will pay the claim to the insured.
People around the age of 30 play the role of economic pillar in the family, and all aspects of family expenses need to be borne. If these people get seriously ill one day, it is likely that the financial resources of the whole family will be interrupted. However, if the critical illness insurance is configured, as long as it can be found within the scope of protection, the insurance company will provide compensation to the insured, which can make up for the economic losses of the patient's family.
So what kind of critical illness insurance is suitable for people aged 30? The following is the critical illness insurance compiled by senior sister, which is more suitable for people aged 30. Interested friends can have a look:
"Recommend to you about 30 years old, the top ten critical illness insurance stocks with good quality and low price! 》
2. Millions of medical insurance
The nature of million medical insurance is reimbursement insurance, which can reimburse the expenses incurred by the insured's illness, usually providing a deductible of 6,543,800 yuan, and the reimbursement amount is more than one million yuan at most.
Millions of medical insurance can effectively supplement medical insurance and cover a wider range. Some specific drugs and purchased drugs cannot be reimbursed by medical insurance, but millions of medical insurance are reimbursed. At the age of 30, you can allocate millions of medical insurance, and you only need a few hundred yuan to get millions of reimbursement.
At the age of 30, people's physical function gradually begins to decline, and the possibility of illness is obviously higher than that of other age groups. We should choose millions of medical insurance to protect ourselves.
3. Accident insurance
The most popular understanding of accident insurance is life insurance, in which the insured suffers death and disability due to accidental injury. 30-year-old people have been busy with their lives, and the feasibility of accidents has increased invisibly. In this case, the accidental injury will be completed, and if they take out an accident insurance, they will have an extra guarantee.
Buying an accident insurance product can help us solve the financial burden of not being able to work normally without income in the event of an accident, and the premium of accident insurance is usually not set too high, which is within the financial affordability of most people aged 30.
4. Life insurance
Life insurance is life insurance with death as the payment condition, that is, if you die within the protection period, you will pay the insurance money to the insured.
Generally, the 30-year-old belongs to the economic pillar of the family, and it is best to configure a life insurance. Imagine, as the economic pillar of the family, if you die unfortunately, then the family may be in trouble.
If you have purchased life insurance, even if you are the only child in the family, you can still leave a alimony for your parents. When you are away, you don't have to worry about your parents' support, and you can still leave a sum of money to supplement your family.
Third, the secret of popular 30-year-old insurance!
At present, there are not a few critical illness insurance products suitable for people aged 30 on the market, and they are very popular. For example, Huaxia Ivy Critical Illness Insurance, Guo Fu Life Darwin No.6, Hetai Life Super Mary No.6 Critical Illness Insurance, Guardian No.5, Evergrande Hengjiabao Exclusive Critical Illness Insurance and so on.
Maybe many friends think that the products with strong effect are good or the products of big companies are good. It's really hard to say. From the comprehensive analysis of the content and terms of protection, we can know whether the products of critical illness insurance are good or not.
At present, there are many whole life insurance products specially made for the 30-year-old people on the market, which are loved by everyone. For example, whole life insurance enjoys welfare with Taixin, whole life insurance enjoys a good life, whole life insurance enjoys a good life, whole life insurance enjoys the Great Wall welfare (exclusive to the Internet), and Bohai Life Insurance has no worries about all life insurance.
So are these products really so popular? In fact, to judge whether a whole life insurance product is perfect, we only need to analyze its terms and contents to know whether it is good or not.
Fourth, the 30-year-old population insurance must be carefully read before buying!
I believe careful friends, after fully understanding many products, will find that different products are different in cost and scope of protection. Let's just say that critical illness insurance is critical illness insurance. Some products can provide severe/moderate/mild disease protection, while others can provide special disease protection.
So it seems easy to buy insurance, in fact, it involves other knowledge, and you should choose according to your actual situation.
Where is the most cost-effective place for people in their fifties and thirties to buy insurance?
I believe everyone now knows what kind of insurance is suitable for a 30-year-old. So what channels should I buy if I want to buy insurance suitable for the 30-year-old population?
We can buy insurance online or offline.
Online insurance channels generally include:
1. official website, APP and insurance mall owned by insurance companies.
2. Insurance brokers and other channels;
3. Call the telephone sales hotline of the insurance company. Telemarketing is also one of the ways for insurance companies to sell products.
Offline insurance channels generally include:
1. physical stores (offline outlets); Large companies like Ping An Insurance have more than 2,800 offline outlets all over the country. If you need to buy, you can buy offline.
2. Insurance agents;
3. Bank insurance, etc.
So what's the difference between online and offline channels? Is online insurance defective? How to choose the most correct one?
Don't worry, friends with questions can click on the link below to find the answer:
"Is it reliable to buy insurance online? What is the difference between online insurance and offline insurance? 》
VI. Family Insurance Configuration Plan
In fact, after buying insurance for the 30-year-old population, we should also consider configuring appropriate insurance for parents or children.
At first, children were the hope of the whole family. And children often have poor resistance, so it is very necessary to configure insurance for children.
Secondly, we should also pay attention to the support of parents. In addition, the prevalence of elderly people and the probability of accidents will be higher. Therefore, in addition to providing insurance for family breadwinners and children, it is best to provide insurance for the elderly.
Write it at the end
I am an expert in insurance, focusing on objective, professional and neutral insurance evaluation;
If the above content has not solved your problem, you can also come to the official account of WeChat to learn to bully and say that insurance consulting me;
I give you the most professional advice based on many years of experience in configuring insurance for 10W+ families.
WeChat official account: Xueba said that insurance costs less, buy the right insurance!