/kloc-What kind of insurance do people aged 0/9 need to buy?

For most people, it is very necessary to choose some insurance. After all, there is no way to predict risks, so in order to get more comprehensive protection for themselves, most people will choose to buy insurance to transfer risks.

/kloc-Do people aged 0/9 need to buy insurance? What should I pay attention to when buying insurance? Senior, let me tell you!

1. 19 Is it necessary for people to buy insurance?

It is estimated that friends have heard the word sub-health more or less. Sub-health is just a marginal state between health and disease.

Not only do you have no physical illness or weakness, but you also have social adaptability, mental state and complete physiology. This is the definition of health made by the World Health Organization according to the research results of nearly half a century.

However! Only 15% of China's total population meets the requirements of the World Health Organization's definition of health. At the same time, 15% of the population is in a state of disease, and 70% of the remaining population is in a state of "sub-health".

According to this data, 7 out of 10 people in China are in sub-health state.

After figuring out this data, if you still ask the senior 19 if it is necessary to configure insurance, the senior thinks it is necessary to buy insurance, and friends aged 19 should buy insurance very much.

Second,/kloc-the best distribution scheme for people aged 0/9!

Usually, the most basic insurance for people aged 19 should be: critical illness insurance, million medical insurance and accident insurance.

1, critical illness insurance

Critical illness insurance is mainly used to protect major diseases. 19 Most people in this age group have just gone to college, and their basic expenses depend on their parents. If they are unfortunately suffering from a serious illness at this time, parents at home will basically bear the cost of these treatments. The cost of treatment for serious illness is relatively high, ranging from several hundred thousand, which is even more unbearable for most families with ordinary conditions.

If we buy critical illness insurance, once we get sick unfortunately and meet the claim conditions within the protection period, the insurance company will let the insured enjoy an insurance premium as agreed. This money can not only be used to treat diseases or maintain daily expenses, but also be used as a source of income during the treatment of serious illness, which can play a stop-loss role. For every family, it can reduce part of the economic burden.

2. Millions of medical insurance

Millions of medical insurance can be said to be supplementary insurance for medical insurance. Generally, we only need a few hundred dollars to get millions of insurance coverage. In fact, just like medical insurance, we can reimburse the reasonable treatment expenses incurred when we are hospitalized.

Comparing the scope and amount of reimbursement, medical insurance is weaker than millions of medical insurance. You should know that many millions of medical insurance in the market can reimburse 100% of the expenses within the scope of medical insurance. In addition, millions of medical insurance can reimburse imported drugs.

If we are unfortunately sick, we need to use imported drugs, and millions of medical insurance can provide reimbursement, which can effectively reduce our economic pressure.

3. Accident insurance

Accident insurance is mainly to protect personal injury caused by external, sudden, unintentional and non-disease events. Accidents are fair to people of all ages, because accidents never care for you because of who you are or how strong your economic strength is.

Anyone may encounter a traffic accident or accidental fall, assuming that it is within the scope of accident insurance claims, accident insurance is also allowed to compensate for the expenses incurred by treatment. Therefore, accident insurance is very necessary for everyone.

Third, the market is overheated/kloc-insurance assessment for people aged 0/9!

I don't know if you have seen it, but many insurance products on the market are so touted that most people blindly follow the trend to configure these popular products, such as this kind of critical illness insurance. Senior sister learned that the hot critical illness insurance products on the market now include Tongfang Universal Versailles plus, Guo Fu Life Darwin No.6, ruitai Lexiang Ankang 202 1, Hetai Life Super Mary No.6 and so on.

Many friends who don't know about insurance products think that these popular products must be good, or just buying insurance from big companies must be cost-effective. Is that really the case? In essence, buying insurance is not such a choice.

When purchasing critical illness insurance products, you must look at the insurance itself and understand all the protection contents and terms of this product.

Let's take the popular Versailles plus as an example to analyze whether these popular products on the market are worth buying:

"Versailles plus critical illness insurance has returned heavily, and you must look at the in-depth evaluation before buying! 》

Many friends plan to buy insurance with financial management function if they have more money after configuring critical illness insurance, millions of medical insurance and accident insurance.

At present, there are many insurances with financial management functions suitable for people aged 65,438+09. For example, whole life insurance products include Hongkang Happiness, Great Wall Life Simatai, He Xin 'an Henry, and Changsheng Family.

If you want to buy whole life insurance products, it is actually similar to buying critical illness insurance products, and you need to know the guarantee content and terms of the products.

/kloc-lightning protection tips for people aged 0/9 to buy insurance.

Seeing this, many small partners must know something about the content of insurance. Careful friends may think that different insurance products will have different premiums, claims and coverage.

Take critical illness insurance as an example. Some critical illness insurance products can protect mild, moderate and severe diseases, while others only provide protection for mild and severe diseases, but not for moderate diseases. Some critical illness insurance can provide lifelong protection, and some critical illness insurance can only choose regular protection; Judging from the situation in whole life insurance, some whole life insurance includes the protection of death and total disability, and some whole life insurance only includes the protection of death.

Different products are so different. As far as insurance Xiaobai is concerned, it is really a headache. If you are not careful, you will fall into the insurance pit.

No, senior has compiled a super comprehensive insurance strategy for you. Pay attention to these points without stepping on the pit and spending money:

How do young people buy insurance? With this configuration, the premium is saved by half! 》

5./kloc-where is the most suitable place for people aged 0/9 to buy insurance?

After explaining the above, senior sister believes that everyone has a good understanding of what insurance people aged 19 should buy, so where should I buy it if I want to start insurance?

Generally speaking, we divide the channels for purchasing insurance into two types, online channels and offline channels.

Online channels are mainly insurance companies such as official website, app and third-party insurance platforms, but general insurance companies only read their own products on official website, so from the consumer's point of view, there are not many choices. However, there are many types of insurance products sold on third-party platforms. From the consumer's point of view, we have many products to choose from, and the probability of buying a product that suits us will be higher.

Offline channels mainly include insurance company outlets and insurance agents. Under normal circumstances, insurance companies are allowed to market insurance at their business outlets.

So what is the difference between online and offline channels? Is online insurance really reliable? Where can I buy insurance? How should we choose:

"Is it reliable to buy insurance online? What is the difference between online insurance and offline insurance? 》

6. How does a family buy insurance?

It is worth noting to buy insurance. After buying insurance for yourself, it is also important to configure an insurance for your family.

In a family, the order of configuring insurance should be adults first, then children. If you want to allocate insurance for the whole family, the first one should be the main financial undertaker in the family.

Economic support is very important to the whole family. If the economic pillar has an accident, it will cause a relatively big blow to the family economy.

The second is children. After all, every child is the hope of the whole family, so it is actually very important to configure insurance. Finally, we should consider providing insurance for the elderly at home. After all, providing for the aged is also a major event at home.

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!