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 to plan their own future, and their awareness of insurance is constantly improving. But at this age, there is no high discrimination, and insurance information is everywhere. It is not easy to choose the insurance that suits you, so I have carefully prepared a detailed strategy for 18 years old to buy insurance.
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) Working late at night combined with parents' high expectations, facing the problem of marriage, all kinds of superimposed pressures are very great, and many major diseases, such as vascular diseases, hypertension, stroke, etc., have become the high-risk groups of young people.
It can be found that this age group has less insurance budget but more protection needs, 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, and the probability of young people suffering from some major diseases is higher than that of the elderly, and major diseases are showing a trend of rejuvenation. Critical illness insurance covers major diseases and moderate/mild diseases. Most young people are incapable of treating major diseases. A critical illness insurance is very useful. Here is a picture about the price:
Obviously, the later you buy critical illness insurance, the more expensive it is. If you have a minor illness while hesitating, it is very likely that the underwriting will fail. The sooner you buy critical illness insurance, the better.
The list shows: "Designed for 18 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 can buy it on a small budget. They can configure accident insurance before buying other insurance. For young people, it is especially necessary to buy accident insurance with sudden death protection.
3. Millions of medical insurance
Millions of medical insurance is mainly for reimbursement of illness and hospitalization, and many medical insurance will also be accompanied by a green channel for medical treatment, which can provide proton heavy ion therapy. Two or three hundred dollars a year, the maximum reimbursement can be several million, so the price of civilians is more acceptable.
I stayed up late to sort out a list for my friends who can't pick: "Designed for 18 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