Many friends asked me how to buy insurance for a 26-year-old woman. What should I pay attention to?
Today, my senior took a 26-year-old woman as an example to see how to buy insurance. What insurance should I buy?
If you are very worried that your body will get sick, at this time, everyone chooses to buy insurance, which can transfer the financial burden when you are sick, so that we don't have to worry about money. Even if you are sick, you are a sick beauty;
"Do you want to buy insurance? Won't money be wasted? 》
1.What insurance should a 26-year-old girl buy!
These types of insurance are suitable for young women:
1, critical illness insurance
The first choice for us women to buy insurance is critical illness insurance!
If we have critical illness insurance and meet the claim conditions after illness, the insurance company will let us pay the insurance money directly.
In the range of diseases covered by high-quality critical illness insurance, it will cover many common high-risk women, so that women can enjoy it with peace of mind.
2. Millions of medical insurance
Commercial medical insurance can make up for the deficiency of social medical insurance. Among them, millions of medical insurance covers reasonable medical expenses such as hospitalization, emergency treatment and surgery for general medical care and serious medical care. Those better millions of medical insurance will provide value-added services and solve people's medical problems.
Millions of medical insurance premiums can be reimbursed without tens of thousands or hundreds of dollars a year, which is really cost-effective for people around the age of 26.
3. Accident insurance and term life insurance
Accident insurance and term life insurance have lower requirements than critical illness insurance and medical insurance, which is of great help to this group of people: women around 26 years old.
Accidents in life always come unexpectedly. If one day is accidentally disabled, the payment of accident insurance can at least help reduce the burden of treatment expenses.
A large number of people get married around the age of 26 and start new families. Maybe they will start to support their parents when they realize the freedom to spend money. If they are unfortunately and accidentally disabled at this time, it will definitely be a huge blow to their families.
With term life insurance, when misfortune really happens, the insurance company will pay a sum of money to the insured's family, so that the family can get some economic compensation while losing their loved ones.
It is very important for both men and women to choose a life insurance that suits them at this stage.
Above I talked about the precautions for young women to buy insurance and the suggested types of insurance. I hope everyone can be inspired after reading it.
And if you have suffered from some diseases that are considered as women's diseases and want to take out insurance, you should refer to this article:
The list of products that can be insured against female diseases has been released! 》
2. What insurance does a 26-year-old girl recommend?
If the search for specific insurance products is not very smooth, senior sister will share with you several insurance products suitable for 26-year-old girls:
1, critical illness insurance
As far as critical illness insurance is concerned, the health notification of Tongfang Global Versailles plus critical illness insurance is really for women. For women who have already got sick, it is very easy to buy this product without asking any questions about female diseases.
And Versailles plus is super powerful in critical illness protection:
Choose to protect life. If a major illness is unfortunately diagnosed for the first time before the age of 60, 80% of the insurance coverage will definitely be available;
If you are diagnosed with a serious illness between the ages of 60 and 65, you will get an extra 30% compensation. Don't worry about not having perfect protection when you get old.
Moreover, before the age of 60, if the first diagnosis is mild, you can also pay an additional amount of 10%; If you are diagnosed with Chinese medicine for the first time under the age of 60, you can also pay an extra 15% of the insured amount, but it should be noted that you can enjoy the extra payment for mild Chinese medicine.
In addition, Versailles plus has outstanding advantages in other aspects. Before buying insurance, you may wish to see more:
"Versailles plus critical illness insurance has returned heavily, and you must look at the in-depth evaluation before buying! 》
2. Millions of medical insurance
It is recommended that 26-year-old women buy insurance products other than Bao 2020 jointly by Fosun, because this product has many bright spots and is affordable!
This Bao Chao 2020 can reimburse 100% of the money needed for proton heavy ions. Proton and heavy ion technology are at the top of international radiotherapy technology at present, but the price is not low. You can reimburse 100% of the insured, so don't worry about withdrawing money!
At the same time, it can reduce the deductible of this model after 2020. As long as there is no claim in the previous year, the deductible in the next year can be reduced by 1000 yuan, and the minimum can be reduced to 5,000 yuan. At the same time, the burden of medical expenses borne by oneself can also be reduced a lot.
3. Accident insurance
If you buy accident insurance, the insured amount must be full. This exclusive version of Shi Sheng Worry-Free and High Accident Insurance is very popular, with the insured amount as high as 2 million, which is truly "high".
There is also the protection of sudden death, which is actually a disease, not an accident. This accident insurance product is not included except for the additional insurance liability of sudden death.
4. Term life insurance
Senior sister suggested that people around the age of 26 can choose to take out this barley insurance, with a coverage of 202 1, 1 10,000, a 20-year guarantee and a 20-year payment, only 743 yuan. This price is very simple for young people around 26 years old!
At the same time, there are only three health precautions for this product. If you have breast nodules and thyroid nodules, you don't have to worry about direct insurance, and there will be no restrictions on previous life insurance. 1-6 professional people can buy it.
The above is an insurance product, and it is recommended that 26-year-old girls can take out insurance. However, insurance is not foolproof. You can't ignore your physical condition while being protected!
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!