What kind of insurance is suitable for people around 20 years old?

Xueba says insurance, focusing on insurance product evaluation! 20 years old, hardly saved much money. In order to save money, I don't see a doctor for minor illnesses. What I am more afraid of is that I have met a serious illness and I don't even have the courage to face it. In order to solve this problem, I made a comparison table of critical illness insurance that young people can afford: "Designed for 20 years old! The national popular 136 critical illness insurance comparison table.

It is important to say first that the most important thing to buy insurance is to look at the products, and never choose from a certain 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, they still don't know what to choose, and the insurance information is more complicated. It is not easy to choose the insurance that suits you. I specially compiled a 20-year insurance allocation strategy.

Young people mainly face these problems:

(1) Working hours are very short, and I don't like to save money at ordinary times, and I don't spend money in moderation. At this time, the economic foundation is relatively weak.

(2) Irregular work and rest, many problems to face, great pressure, and easy to suffer from major diseases such as vascular diseases, hypertension, stroke, cancer, acute myocardial infarction, etc.

After analysis, I know that I need to buy cheap but well-protected insurance at my age, and I can configure accident insurance+critical illness insurance+million medical insurance.

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 young people are becoming more and more prone to major diseases. Critical illness insurance covers major diseases and moderate/mild diseases. Many young people can't afford a large sum of medical expenses for critical illness insurance, so it is very important to buy a critical illness insurance. In terms of price, look at this picture first:

\x09 It can be seen that the premium of critical illness insurance increases with age, and once you get some diseases, you can't buy any more. The sooner you buy critical illness insurance, the better.

The list shows: "Designed for 20 years old! Top ten critical illness insurance stocks worth buying in 2020! 》

2. Accident insurance

100 yuan can buy hundreds of thousands of accident insurance to protect accidental disability and death. Young people with a small budget are suitable for buying one. First of all, buy an accident insurance as a basic guarantee. For young people, it is best to have extra protection against sudden death.

3. Millions of medical insurance

Millions of medical insurance is mainly for reimbursement of illness and hospitalization. Many excellent medical insurance have their own green channels 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.

You can't be careless in buying medical insurance. You can look at this list: "Designed for 20 years old! The 10 million medical insurance stocks worth buying in 2020! 》

Hope to adopt!

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Source: Xueba said that insurance official website