For young people nowadays, how to buy it? Is it best to buy personal health insurance? This configuration scheme is for your reference, and friends who don't know can go and have a look:
How to buy insurance at different ages? Everyone should have his own plan.
1. What kinds of insurance are suitable for young people to buy?
When young people buy insurance, these three types of insurance must be entered:
1, critical illness insurance
To make a long story short, as long as the major diseases agreed in the insurance contract are diagnosed by the hospital and meet the conditions for claim settlement, the insurance company will pay in one lump sum.
For example, suppose Xiao Wang has insured 500,000 yuan. If you are unfortunately diagnosed as a major disease and meet the claim standard, you can get the insurance amount of 500,000 yuan paid by the insurance company. This money can be used for living allowance, etc. , without any restrictions!
According to the latest global cancer data released by the International Agency for Research on Cancer (IARC) of the World Health Organization in China in 2020, the cumulative number of new cancer cases in China in 2020 is 4.57 million, and the specific number of cancer deaths is 3 million, which shows that there is a very heavy cancer burden.
By 2020, the number of new cancer cases in the world will reach19.29 million, including 4.57 million new cancer cases in China, accounting for 23.7% of the world. As the most populous countries in the world, China and China have far more new cancer cases than other countries in the world.
Once major diseases such as cancer and leukemia are diagnosed, if there is no suitable critical illness insurance, the situation may collapse in the patient's family. If you want to sell your car and house for medical expenses, your family will continue to work because of taking care of you.
But with critical illness insurance, at least hundreds of thousands of medical expenses can be paid, and the family will not collapse, which is also the use of critical illness insurance!
2. Millions of medical insurance
Millions of medical insurance belongs to reimbursement insurance, as long as the amount spent does not exceed the amount stipulated in the insurance contract, how much will be reimbursed!
At present, there are millions of high-quality medical services on the market, and the reimbursement amount is 2-3 million. After being handled by social security, all expenses can be reimbursed by medical insurance.
After all, today's young people live and eat irregularly, and their bodies will face some minor problems more or less. Hospitalization is always inevitable, so that all the medical expenses incurred by our hospitalization can be solved through millions of medical insurance!
But, more importantly, millions of medical insurance are cheap. If it belongs to ordinary medical insurance, you need to pay hundreds of dollars a year, and you can get millions of guarantees!
3. Accident insurance
Accidents can be seen everywhere, and no one knows when they will come!
Young people go out by bus and subway every day, accidentally spraining their ankles or stepping on them; Sharing by bike on the road, even if you ride according to the traffic rules, you will encounter some minor accidents. If you don't care about scratching and breaking your skin in an accident, for example, if you hurt your hand or foot or die in an accident, it will be serious!
Accidental death, disability and medical care are provided by accident insurance. If the medical expenses are caused by accidental injury and identified as disability or death, then the insurance company will pay, which is necessary for migrant workers!
But now many young people don't have that much savings, and some insurance on the market is not cheap. What is the correct distribution method? Then let's take a look at scary!
What protection do young people buy?
Second, how to buy insurance with the cheapest? Senior sister will teach you a trick!
Important content is about to start, hurry to collect it, if you miss it, it will be gone!
1, critical illness insurance, senior sister recommended Versailles plus critical illness insurance.
Stop gossiping. Senior directly let us see the essence map of Versailles plus critical illness insurance:
The basic protection of Versailles plus includes serious illness protection, moderate illness protection and minor illness protection, and additional compensation is also provided. If the insured is diagnosed with a serious illness for the first time before the age of 60 and meets the claim conditions, he can pay an additional 80% of the basic insurance amount;
If a person aged 60-64 is diagnosed with a serious illness for the first time and meets the claim standard, the additional compensation amount is 30% of the basic insurance amount;
It also pays extra for the protection of moderate and mild diseases. If the patient is diagnosed with moderate or mild disease for the first time before the age of 60 and meets the claim conditions, the insured may get more compensation by paying an extra 15% of the basic insurance amount, effectively reducing the economic burden! This is a blessing for many young people with low incomes!
Versailles plus critical illness insurance still has many bright spots. More evaluation contents about Versailles plus are arranged in it. You can view them directly by opening them:
"Versailles plus critical illness insurance has returned heavily, and you must look at the in-depth evaluation before buying! 》
2, medical insurance, senior sister recommended Ping An E life long-term medical insurance.
As usual, let's take a look at the protection map of Ping An E-life long-term medical insurance:
Ping An E Life's long-term million medical insurance can accept people born over the age of 28 -55, and young people in their twenties and thirties have the opportunity to apply.
Moreover, this product is basically guaranteed in place, covering general medical insurance and medical insurance for specific diseases, with a coverage of 2 million, which is enough.
The warranty period is 1 year. Fortunately, this product is guaranteed to be renewed for 20 years and the guarantee is relatively stable. During these 20 years, you don't have to worry about not being able to renew your warranty because of claims, poor health and product suspension.
3. Accident insurance
As for accident insurance, there are many excellent accident insurances on the market at present, such as Zhongan Personal Comprehensive Accident Insurance (upgraded version), Ping An Orange Adult Accident Insurance No.2 (exclusive version), Dida Bodyguard II Accident Insurance Extreme Edition, etc. These products have comprehensive protection responsibilities and are cost-effective. You can consider insurance, and the price is relatively affordable. It is easy for young people to buy suitable products, so they can choose suitable products according to their own needs.
After reading the above explanation, critical illness insurance, accident insurance and medical insurance are necessary insurance for young people! You can look at the above scheme, not everyone uses this configuration, after all, it is the most important thing that suits you!
If you are still afraid of making mistakes in the process of buying insurance, you can take a look at this insurance strategy before taking out insurance:
How do young people buy insurance? With this configuration, the premium is saved by half! 》
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!