There are many insurance products, so there is no need to give up thousands of good products for a company. Nowadays, young people are under increasing pressure and will begin to have a sense of crisis and insurance awareness, but their recognition ability is still not high enough, and there are so many insurance products that it is not easy to choose the insurance that suits them. So, I made a plan to buy insurance at the age of 25.
Young people 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) Long working hours combined with high expectations in all aspects, there are many problems to face, great pressure, and the probability of suffering from major diseases such as vascular diseases, hypertension, stroke, cancer and acute myocardial infarction is not small.
Through the analysis, we can see that at this age, comprehensive insurance with lower price should be chosen to protect diseases, and accident insurance+critical illness insurance+million medical insurance can be configured.
1. critical illness insurance
According to WHO data, 75% of people in China are in sub-health state, and the probability of young people suffering from some major diseases is higher than that of the elderly. Major diseases are no longer only high in middle-aged and elderly people. Critical illness insurance covers major diseases and moderate/mild diseases. Most young people can't afford the expensive treatment of major diseases. It is extremely important to buy a critical illness insurance. Look at this picture about the price:
And if you are old, if you suffer from certain diseases, it is very likely that you will not be able to underwrite. The sooner you buy critical illness insurance, the better.
The list is shown below:
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 small budgets can afford it. You can configure accident insurance first, and then buy other insurance. For young people, pay more attention to accident insurance with sudden death.
3. Millions of medical insurance
Millions of medical insurance is mainly for reimbursement of illness and hospitalization. The green channel for medical treatment is attached to many excellent medical insurance and can provide proton heavy ion therapy. A few million dollars a year for reimbursement is only a few hundred dollars, which is acceptable even if the budget is not high.
There are many products. To find the right advice for you, please see here: