It should be noted that it is most important to buy insurance and choose products. It's no use just looking at the company. Nowadays, the 24-year-old young people are under increasing pressure and will begin to have a sense of crisis and insurance, but their recognition ability is still poor. Insurance information is everywhere. It is not easy to choose the insurance that suits me, so I have carefully prepared a 24-year-old insurance configuration strategy.
24-year-olds mainly face these problems:
(1) I have no sense of saving money, and I am used to spending money lavishly. Even if the working hours are short, the economic foundation is relatively weak at this time.
(2) Working late at night and parents' high expectations have caused many problems, causing great pressure, and many major diseases such as vascular diseases, hypertension and stroke. The incidence rate is very high among young people.
It can be seen that young people need affordable insurance that can fully protect diseases. They buy insurance at the age of 24, and can be equipped with 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 24-year-old 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, and it often costs hundreds of thousands of critical illness insurance treatment fees, which many young people cannot afford. It is necessary to buy a critical illness insurance when they are 20 years old. Here is a picture about the price:
The analysis shows that the price of critical illness insurance is getting higher and higher with age, and if you are old and suffer from certain diseases, it is very likely that you will not be able to underwrite it. The sooner you buy critical illness insurance, the better.
Afraid of stepping on the pit, choose here directly:
"24-year-old 202 1 inventory of the top ten critical illness insurance worth buying! 》
2. Accident insurance
Accident insurance only needs about 100 yuan, with hundreds of thousands of insurance coverage to protect accidental disability and death. Young people with a small budget are suitable for buying one. You can choose an accident insurance first and then look at the others. For a 24-year-old, accident insurance with sudden death is more appropriate.
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. As long as two or three hundred dollars a year, there are millions of reimbursement quotas, even if the budget is not high.
There are many products. To find the right advice for you, please see here:
"24-year-old 202 1 top ten medical insurance stocks worth buying!" 》
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 top student, the official account of WeChat, and ask me about insurance.
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!