It is important to say first that the most important thing to buy insurance is to look at the products, and never choose from a certain company. Nowadays, young people are under increasing pressure to plan their own future, and their awareness of insurance is constantly improving. But they still don't know how to choose things at this age, and insurance information is everywhere. It is not easy to choose the insurance that suits you, so I made an answer about how to configure insurance for people of this age group at the age of 20.
Young people mainly face these problems:
(1) Some people haven't worked yet, others have just left the society, saving less and spending more. At this time, the economic foundation is relatively weak.
(2) Working late at night and parents' high expectations make them face many problems, such as pressure from all sides, and many major diseases such as vascular diseases, hypertension and stroke. The incidence rate is very high among young people.
After analysis, I know that I need to buy cheap but well-protected insurance at my age, and I can configure accident insurance+critical illness insurance+million medical insurance.
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 young people are becoming more and more prone to major diseases. Critical illness insurance covers major diseases and moderate/mild diseases, and the cost of treatment for major diseases is unbearable for most young people. It is extremely important to buy a critical illness insurance. Here is a picture about the price:
The analysis shows that the price of critical illness insurance is getting higher and higher with the increase of age. If you are unfortunately sick, you can't buy it if you want. The sooner you buy critical illness insurance, the better.
If you don't know how to choose, you can look at this popular list: "Designed for 20 years old! Top ten critical illness insurance stocks worth buying in 2020! 》
2. Accident insurance
Buy an accident insurance with a coverage of several hundred thousand yuan, and only need about 100 yuan to protect accidental disability and death. Young people with a small budget are suitable to buy one, and accident insurance and extra accidental medical care can be given priority. Especially young people, should buy accident insurance with sudden death protection.
3. Millions of medical insurance
Millions of medical insurance is mainly for reimbursement of illness and hospitalization. Many excellent medical insurance have their own green channels for medical treatment, which can provide proton heavy ion therapy. Millions of reimbursement, even if the budget is not high, is only two or three hundred dollars a year.
You can't be careless in buying medical insurance. You can look at this list: "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