Do young people need to buy an insurance policy? This topic has been debated for a long time. According to the opinion of the senior, young people still need to purchase insurance, and each age group needs to provide protection for different risks.

So what methods should the 24-year-old group know about purchasing insurance? Senior sister, I will have a good talk with you today.

1. Is it necessary for people aged 22 to buy insurance?

In addition to the relatively weak awareness of insurance among many young people nowadays, many young people also do not have a strong awareness of saving. Not to mention some young people who have no savings, they also have the habit of excessive consumption, and they will spend their money as soon as their salary is received. You need to pay back the previous credit card or Huabei, etc.

If you don’t have insurance for yourself, let alone have savings to use for treatment when you get sick. If you don’t have insurance and no savings, what will happen if you face expensive treatment costs? Can you pay it off?

Not only that, the World Health Organization, based on nearly half a century of research results, defines "health" as "not only the absence of disease or weakness in the body, but also a complete physical, mental state and social adaptability. ".

The number of people in China who meet the World Health Organization's definition of health is only 15% of the total population. Currently, 15% of people are still suffering from the disease, and the remaining 70% are all in "sub-healthy" condition.

Based on this data, we can analyze that in China, 70% of the population is in a sub-healthy state.

If you have any questions about whether it is necessary for a 22-year-old to buy insurance, my senior sister tells you that you should definitely buy it, and it is very necessary to buy insurance.

It is indeed necessary for 22-year-olds to buy insurance, but for novices who want to buy it but are worried about being cheated, friends who don’t know how to buy insurance for 22-year-olds, don’t worry, working in the industry 8 My senior classmate will tell you that you can buy insurance this way without spending any money in vain:

"How do adults buy insurance?" Everyone should have an exclusive plan"

2. The best insurance configuration plan for 22-year-olds!

Normally, there are three types of insurance products that 22-year-olds must purchase: critical illness insurance, million-dollar medical insurance, and accident insurance.

1. Critical illness insurance

Critical illness insurance is mainly insurance that protects against major illnesses. Its value depends on compensating for the loss of income during the illness.

For 22-year-olds, many people think that the disease is still far away from them, and some people have just stepped out of school and have almost no savings. If unfortunately you are seriously ill at this time, it will basically be the parents at home who bear the cost of treatment.

If you purchase critical illness insurance and become ill during the coverage period and meet the reimbursement conditions, the money paid by the critical illness insurance can be used for medical treatment or daily maintenance expenses, or as a life insurance policy. The source of income during the treatment of serious illness plays a role in stopping losses. On the family side, it can also shift some financial burdens.

2. Million-dollar medical insurance

We can directly regard the million-dollar medical insurance as a supplementary insurance to medical insurance. We usually only need a few hundred yuan to buy it for hundreds of dollars. The insured amount of RMB 10,000 is different from medical insurance. It supports the reimbursement of reasonable treatment expenses incurred by us when we are sick and hospitalized.

There are many friends who feel that they do not need to buy multi-million dollar medical insurance since they have medical insurance. In fact, this is not the case. Comparing the scope of reimbursement and the amount of reimbursement, medical insurance cannot be compared with million-dollar medical insurance. Many million-dollar medical insurance can reimburse 100% of the expenses within the scope of medical insurance, and some million-dollar medical insurance can also cover imported drugs. to reimburse.

Not only that, there are many million-dollar medical insurance on the market that include a variety of value-added services. One of the more common ones is the "drug advance payment" service, which is very friendly to us. He said that if we are unable to pay the treatment fee ourselves during treatment, it is okay to apply to the insurance company for advance payment of the drug fee. This will help us solve the problem of being unable to continue treatment due to lack of money.

If you don’t know how to choose a suitable million-dollar medical insurance product, you can take a look at this million-dollar medical insurance collection compiled by my senior sister:

"The latest top ten The ranking of Wanli Medical Insurance is newly released! 》

3. Accident insurance

Accident insurance is important to everyone. No matter who you are or how rich you are, everyone is equal in the face of accidents. When you go out, everyone has a chance of encountering a traffic accident or accidental fall. If it matches the conditions for accident insurance claims, accident insurance will also Compensation for treatment costs can be made.

In addition, accident insurance has low premiums and high protection. The premiums often range from tens to hundreds of yuan, and then you can buy insurance coverage ranging from hundreds of thousands to millions.

3. Evaluation of the most popular insurance for 22-year-olds on the market!

I don’t know if you have noticed that there are many insurance products for 22-year-olds on the market that are selling very well. Examples of critical illness insurance products include Tongfang Global Versailles Plus, Guofu Life Darwin 6, Ruitai Enjoy Ankang 2021, Hotai Life Super Mario 6, etc.

Many friends who don’t know much about insurance think that popular products must be excellent. They may think that as long as a product is launched by a big insurance company, it must be good, but this is not the case. To determine whether a critical illness insurance product is good or bad, it is feasible to analyze it mainly from aspects such as terms and coverage content.

If you now have millions of dollars in medical insurance, critical illness insurance and accident insurance, you still have plenty of spare money on hand and want to insure yourself with an insurance with financial management functions, you can choose There are also many insurances.

There are also many insurances on the market that are suitable for 22-year-olds and have financial management functions. For example, whole life insurance products include Hongkang Jinyu Mantang, Great Wall Sushi Matai, Hetai Xin Xiangying, Changsheng Youjiajia, etc. wait.

No matter what kind of insurance product it is, what we have to consider is the product itself. Whether a whole life insurance is outstanding or not depends on the protection content, terms and other aspects.

4. Tips for buying lightning protection insurance for 22-year-olds

If you are a friend who has explored insurance products, you should have understood some details. Different insurance products will have different Premiums, compensation levels, coverage, etc. Take critical illness insurance as an example. Some critical illness insurance products have relatively broad coverage, covering mild, moderate and severe illnesses, while some only cover mild and severe illnesses, but not moderate illnesses. disease; some can provide lifetime protection, while some can only cover 70 or 80 years of age.

With so much content, everyone is confused about what is wrong, and it is easy to step into the trap if you are not careful. Therefore, buying insurance may seem simple, but in fact it is more complicated!

No, the senior sister has compiled a comprehensive insurance guide for you. Pay attention to these points to prevent you from spending money in vain:

"How do young people buy insurance?" With this configuration, you can save half of your insurance premium! 》

5. Where is the most suitable place to buy insurance for 22-year-olds?

Senior sister, I want everyone to understand this and already know about the insurance for 22-year-olds. So if we want to purchase insurance, where do we need to buy it?

Generally speaking, there are two ways to buy insurance. One is online and the other is offline.

Offline channels:

1. Most insurance companies have their own branches in most provinces and cities. We can purchase through the insurance company’s offline service outlets. of. For example, Ping An Insurance has more than 2,800 offline business outlets nationwide. If you want to buy Ping An Insurance products, you can go directly to buy them offline.

2. Offline service outlets are not included. We can also use the insurance salesperson’s business model to purchase and tell them your insurance needs. Afterwards, the salesperson will match you with the appropriate insurance according to your needs. Products can be purchased after confirming the type of insurance purchased.

Online channels:

1. Among the channels through which we purchase insurance, telemarketing is one of them, so we can also call the insurance company’s telemarketing hotline to purchase insurance.

2. You can directly use the Internet insurance sales platform to purchase insurance. In essence, this platform is a third-party insurance product sales platform. If you need to buy it, you can search for the insurance that suits you. Insure again.

3. Insurance products can also be purchased on the insurance company’s official WeChat, official website, or exclusive APP.

6. How can a family buy insurance?

After buying your own insurance, you should also buy an insurance for your family. It is very necessary to buy an insurance for your family.

As a 22-year-old, assuming that your insurance has been purchased, if you have given birth to a child, you need to buy insurance for the child, because the child carries the hopes of the entire family. Children are particularly weak and vulnerable to harm, so it is necessary to purchase relevant insurance for your children.

If financial conditions permit, after buying insurance for yourself and your children, the elderly will still need support and you will need to buy an insurance for your parents.

Assuming you don’t have children yet, after choosing an insurance for yourself, you should also choose an insurance for your parents. After all, they are also important members of the family.

Write it at the end

I am a top scholar who talks about insurance, focusing on objective, professional and neutral insurance evaluation;

If the above content has not solved your problem For questions, you can also consult me ??on the official account Xueba Talk Insurance;

I will give you the most professional advice based on my years of experience in configuring insurance for 10W families.

Public account: Top academics say insurance costs less, buy the right insurance!