What kind of insurance is more cost-effective for an 18-year-old?

For most people, it is very necessary to choose some insurance. After all, risks cannot be predicted, so in order to provide themselves with more comprehensive protection, most people will choose to purchase insurance to transfer risks.

So for 18-year-olds, do they need to buy insurance? What should you pay attention to when buying insurance? Senior sister, I’ll tell you right now!

1. Why should we buy insurance for 18-year-olds?

How to let children feel the love from their parents? Should I buy the most expensive clothes or the best toys for my children? The senior sister’s advice to everyone is to provide comprehensive protection for the children. In addition to love, there is also the safest arrangement for the future!

It starts when the children learn to walk and continues until they can walk very steadily. The children still have a long way to go. Parents’ companionship cannot last forever, but insurance can convey love and help children survive safely. Every difficulty is the responsibility of every parent.

It is reported that in China, the incidence of malignant tumors in children has been rising. The cost of treating serious diseases in children is extremely expensive, starting at least 400,000 yuan. Assuming that a child suffers from a serious illness, the impact on the family will be huge. In addition to having to bear a huge amount of medical expenses, at least one of the parents will need to stay away from work to provide care. Simply put, they will face double economic losses.

Moreover, in addition to the possibility of serious illness, there are also accidental risks such as small bumps in daily life, scratches and bites from cats and dogs, colds and fevers, etc. These are all things that may happen to children at any time during their growth stage. Risk, so if you ask the senior sister whether it is necessary to buy insurance for an 18-year-old child, the senior sister’s answer is yes.

So how to buy insurance for an 18-year-old child? I believe many friends are confused. Senior sister’s exclusive 18-year-old insurance application guide helps you configure 18-year-old insurance in three minutes without stepping into pitfalls!

"Which insurance is suitable for young people aged 18-19"

2. How to buy insurance for 18-year-olds?

The insurance configuration plan for 18-year-old children is very simple. The insurances that must be selected are critical illness insurance, million-dollar medical insurance and accident insurance. If you have more money on hand, it is recommended to buy an education fund for your child.

1. Critical illness insurance

Critical illness insurance is a member of benefit insurance, but there is one point that needs everyone’s attention. Many critical illness insurances do not pay immediately after diagnosis. It is stipulated that only when the insured's disease is diagnosed or reaches a certain disease state or undergoes a certain surgery can he or she be eligible to receive corresponding compensation.

Moreover, no matter how much the insured pays, the insurance company will pay according to the insured amount. The insured can use the compensation as he wants, and the insurance company has no right to do so. Intervene the use of this money. This money can be used not only for treatment expenses, but also for family care, which can effectively protect the daily life of your family in the future.

2. Million-dollar medical insurance

Million-dollar medical insurance refers to the medical expenses incurred by the insured due to hospitalization due to illness during the insurance period. Million-dollar medical insurance can reimburse one of the major expenses. Partially, the insured will receive compensation paid by the insurance company if it meets the coverage of the million-dollar medical insurance and exceeds the deductible.

By the way, million-dollar medical insurance is different from critical illness insurance. The deductible of general medical insurance is usually set at 10,000 yuan, and the part exceeding the deductible will be reimbursed by the insurance company. If the amount is lower than the deductible, the insured cannot apply for reimbursement.

3. Accident insurance

Life is always changing. No one can predict accidents. Accidents may happen at any time in our lives. The impact of accidents on the family cannot be underestimated. Yes, in this case, a sufficient accident insurance can cover the financial losses caused by the accident to the family.

4. Educational expenses

For the current children’s education expenses, which are gradually increasing at a rate of 3%-5% every year, it is still a large amount of education expenses, which will make The pressure on parents is increasing. If the entrepreneurial fund can be established earlier, it will be more helpful for the children to take the first step in life and smoothly enter social life.

3. Evaluation of the most popular insurance for 18-year-olds on the market!

Many insurance products for 18-year-olds on the market now sell very well. For example, critical illness insurance includes China Merchants Renhe Qingyunwei No. 1, Tongfang Global Versailles Plus, and i Worry-Free Critical Illness Insurance (Internet Exclusive) , Darwin No. 6 critical illness insurance, Perfect Life Protection 2022 critical illness insurance, inclusive multi-fold critical illness insurance, Enjoy Ankang 2021 critical illness insurance, etc.

Senior sister has been observing for a long time. When choosing insurance products, everyone pays great attention to the reputation of the insurance company, and uses this method to judge the quality of the product. However, the senior sister has prepared some suggestions for you. When you choose an insurance product that suits you, it is best to analyze it from the protection content, terms, etc., so that we can realize whether this product meets our protection needs. .

Next, I will give you a detailed evaluation of Versailles Plus, an all-rounder in critical illness insurance, to see what is so good about it that makes so many people decisively choose it for the 18-year-old crowd!

"Versailles Plus Critical Illness Insurance is back, in-depth review is a must-read before buying! 》

If you have purchased a critical illness insurance product for 18-year-olds, and if your financial strength is good, it is recommended to purchase an education fund.

The characteristics of education annuity insurance are forced savings, earmarked funds, etc. This product mainly provides protection for children’s studies, so that they can successfully complete their studies even if the family encounters financial changes in the future!

4. Tips for insurance lightning protection for 18-year-olds

Many friends have such doubts when buying insurance: the insurance products are of the same type, but the products are different. The fees, compensation, and coverage are also different.

Just like critical illness insurance, in addition to the different amounts of disease coverage, the coverage period is also different. For example, some products provide lifetime coverage, but some products can only provide coverage for a specific period of time.

Therefore, when purchasing insurance, we need to choose products that truly suit us based on our own protection needs. We should not buy products just because others have bought them. It is possible that the products will be exactly the same. , there is a possibility that this product is suitable for others, but it is not suitable for you.

5. Where is the best place to buy insurance for 18-year-olds?

Today, with the rapid development of the insurance industry, friends not only have online channels, but also offline channels to purchase insurance.

If you prefer to purchase insurance through offline channels, you can purchase it through the insurance company’s offline service outlets. Alternatively, we can purchase it through insurance salesmen and directly contact them. Inform us of your needs for insurance, and they will directly match the appropriate insurance products based on our needs. After we select them, you can contact the salesperson to apply for insurance.

Of course, in addition to what is mentioned above, we can actually choose to call the insurance company’s telemarketing hotline to buy insurance.

If you feel that offline insurance will take too much time, then simply choose the online insurance method, which can very easily realize your wish to be insured without leaving home!

For example, we can insure the products we like through the Internet insurance sales platform, and this platform is actually a third-party insurance product sales platform. Many insurance companies have specialized insurance products. Here, as long as someone wants to apply for insurance, they can successfully complete the insurance directly on their mobile phone or computer.

Of course, not only the above insurance methods, but also the insurance companies’ official WeChat, official website, or exclusive app can also be used to purchase insurance products.

So what is the difference between online and offline channels? And where is the most cost-effective way to buy insurance? Is online insurance really reliable? How should we choose?

6. How can a family buy insurance?

In fact, many people in the entire family believe that the most important thing to do is to buy insurance for their children first. However, the senior sister has prepared some suggestions for everyone. It is not only about arranging insurance for our children, but it is more important for us to have a complete protection system ourselves.

The reason is very simple, because for ordinary families, middle-aged people who are parents are the main source of income for the family. To put it bluntly, people who are the breadwinners of the family are the least qualified. Fallen. If an accident occurs, the entire family will be severely hit due to the loss of financial resources, and it will even be difficult to maintain daily life. Therefore, insurance should be purchased first for those who are financially dependent on the family.

The second priority is the children. After all, children are a vulnerable group in this society and are easily harmed, so it is necessary to buy insurance for them.

Finally, for families with larger financial budgets, it is indeed important to provide insurance for the elderly. Therefore, after buying insurance for the family breadwinner and children, it is also very useful to configure an insurance for the elderly. Necessary.

Do we need to configure all insurance types for each family member? Of course not! Click the link below and the senior sister will tell you how to buy insurance for your family in the cheapest and most effective way!

"3 sets of plans to provide insurance for the whole family"

Written at the end

I am a top student when it comes to insurance, focusing on objectivity, professionalism and neutrality Insurance evaluation;

If the above content has not solved your problem, you can also come to the official account Xueba to talk about insurance consultation with me;

I will configure the 10W+ family for many years. Insurance experience gives you the most professional advice.

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