Sister Xue takes this opportunity to analyze with you how to configure insurance for 36-year-olds.
Friends who don't have time to read the following can collect this article first:
What kind of insurance is suitable for you at the age of 36? 》
1.36 Is it really necessary for people to buy insurance?
36-year-old people, under normal circumstances, are mostly parents, not only bearing their own future career, but also bearing family responsibilities; Therefore, as a key member of the family, it is quite necessary to provide insurance for the 36-year-old population.
When it comes to major diseases, most people will take their chances directly before hearing the doctor say "you have been diagnosed with a serious illness". They feel that their health has always been ok, and they will definitely not get any serious illness. However, diseases and accidents are also unpredictable, so what we can do is to take preventive measures as much as possible before the risk officially comes; The main function of insurance is to resist risks.
For example, malignant tumor is cancer. Do you know that cancer is a major disease with the greatest possibility of morbidity and mortality among malignant tumors? According to relevant data, the number of new cancer cases in the world reached19.29 million in 2020, but the number of cancer deaths in the world reached 9.96 million in 2020. To understand the cancer situation in China, there will be about 4.57 million new cancer cases in China in 2020, among which the incidence of breast cancer ranks first in the world, and lung cancer, colorectal cancer and gastric cancer rank fourth.
So, after reading the above, do you still feel as far away from major diseases as before? It can be seen that insurance is very important for each of us. For example, if you unfortunately have cancer, critical illness insurance can provide the most practical protection for patients immediately, providing a one-time insurance premium, so that you can face the disease directly.
Second, how to buy insurance at the age of 36?
It is very important for a 36-year-old to buy insurance, so how should a 36-year-old buy insurance? What kind of insurance should I start with? Don't worry! Next, the senior told everyone that the four types of insurance suitable for the 36-year-old population can mainly consider critical illness insurance, millions of medical insurance, life insurance and accident insurance.
1. critical illness insurance
Critical illness insurance is mainly to deal with the huge risks brought by major diseases. According to the usual situation, critical illness insurance can be divided into the following three categories: consumer critical illness insurance, return critical illness insurance and savings critical illness insurance; The difference between the three is whether it includes death protection.
As far as these three different types of critical illness insurance are concerned, Senior Sister recommends saving critical illness insurance. Because generally speaking, the coverage of savings-based critical illness insurance involves many aspects, including death protection; This policy will compensate consumers, whether they are diagnosed with serious illness or die unfortunately.
If a 36-year-old middle-aged woman suffers from early breast cancer, in this context, assuming that the woman has taken out a critical illness insurance, then the woman not only has enough treatment expenses, but also has a good attitude in the face of serious illness.
In this case, it provides a guarantee for the insured himself or his family.
2. Millions of medical insurance
Then let's take a look at the million-dollar medical insurance, which is simply a million-dollar medical insurance. Its main function is to deduct all reasonable medical expenses incurred by the insured due to illness in a certain proportion. Roughly speaking, it is similar to medical insurance, but functionally speaking, millions of medical insurance is better than medical insurance!
The common reimbursement scope of millions of medical insurance includes special drugs (such as "self-paid drugs"), special treatments (such as proton heavy ion technology) and even medical expenses such as ICU and other special wards.
3. Life insurance
Compared with the above two types of insurance, life insurance seems to have little effect, but it is also a reassurance to ensure the normal life of family members afterwards.
The reason is that if a 36-year-old person, as the economic center of a family, dies unexpectedly, life insurance will replace the 36-year-old person as another economic pillar of the family.
According to the length of the guarantee period, life insurance can be divided into the following two types: whole life insurance and term life insurance. If economic conditions permit, it is best to choose whole life insurance directly; But for people with insufficient budget, it is better to consider term life insurance.
So what life insurance products are worth buying? Senior sister compared hundreds of products in the life insurance market and sorted out the following life insurance list. Friends with life insurance needs have a quick look:
Recommended to 36-year-old you: the top ten life insurance lists worth buying! 》
4. Accident insurance
Accidents are difficult to master and can't be predicted in advance, but they can happen at any time. For the 36-year-old people who live in a high-intensity working environment and a fast-paced life, accidents may be relatively greater, such as sudden death.
Accident insurance aims to provide protection against accidents. Therefore, according to the market demand trend, the current accident insurance products not only provide protection for ordinary accidents, but also cover the sudden death protection of some products.
Third, the evaluation of popular insurance products!
Because people are more and more familiar with insurance, insurance has been recognized by many people, and many insurance products in the insurance market are also extremely hot, such as Tongfang Universal Versailles plus, Guo Fu Life Darwin 6, ruitai Lexiang Ankang 202 1, Hetai Super Mary 6 and so on.
Through the above, we all know the importance of critical illness insurance, so what factors should we judge whether a critical illness insurance product is a good product? It's actually quite simple. The most basic standard of a good critical illness insurance product is to cover three basic guarantees: light, medium and heavy.
When buying insurance products, the 36-year-old must pay attention to the protection content and insurance clauses of insurance products, and then make a choice according to their own insurance needs and budget.
In addition to protecting themselves and their families, 36-year-olds have to shoulder the heavy responsibility of their families and need to bring better living conditions to their families. In this way, for people with good economic conditions, they can also look at financial insurance. For products with both security and wealth management functions, such as whole life insurance, the benefits of such wealth management products are clear at a glance. Compared with high-risk financial products such as stocks, the increased whole life insurance is still worth buying.
Fourth, 36-year-old people buy insurance to avoid pits.
There are many kinds of insurance, and the insurance products on the market are dazzling, and good products and bad products appear at the same time. Everyone wants to choose the insurance products that best meet their own needs, and everyone should have a certain understanding of pit avoidance knowledge.
For example, in the case of critical illness insurance, special attention should be paid to the duration, content and health notification. Millions of medical insurance needs to pay extra attention to the protection period, deductible and renewal.
Where do people aged 5.36 go to buy insurance?
Seeing this, I believe that everyone has understood the matter of buying insurance, so please see the supplementary explanation of the senior sister-where is the 36-year-old insurance cost-effective?
Usually, the ways to buy insurance are mainly divided into online and offline. Online channels are mainly the insurance company official website and its registered official account, such as WeChat official account, or the third platform of insurance through the Internet. Entity institutions are mainly insurance companies' own service outlets.
6. How to buy family insurance?
As the undertaker of the family, the 36-year-old should not only seek protection for himself, but also equip all members of the family with good insurance products if the economy permits. So who should I insure first? Don't worry, Senior Sister will help you.
For the pillar of the family, the natural priority is that both husband and wife configure insurance; Secondly, we should pay attention to the future pillars of the family, which is naturally bought for children; It is also our duty to support the elderly, so the last thing is to provide insurance for the elderly.
Senior sister has compiled a very practical family insurance configuration strategy. Friends in need have a quick look:
"3 plans, complete family insurance"
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!