Xueba talks about insurance and focuses on insurance product evaluation! It is actually a bit difficult to buy insurance at the age of 18. You are already an adult at this age and are still in the period of high incidence of teenage diseases. However, at this time, you cannot buy children’s insurance that covers diseases that are common in teenagers. Some adult insurance does not cover the diseases that are common in teenagers. Disease, in order to solve this problem, I made a comparison table of critical illness insurance that young people can afford: "Designed for 18-year-olds!" Comparison table of 136 popular critical illness insurance models across the country"

First of all, it is important to say that the most important thing when buying insurance is to look at the product. Never choose from a certain company. Nowadays, young people are under increasing pressure and know how to plan for the longer term. Their insurance awareness is constantly improving, but their identification skills need to be improved. There is a lot of insurance information and it is difficult to distinguish. It is not easy to choose the insurance that suits you. I stay up late doing it. This is an 18-year-old insurance allocation strategy.

Young people mainly face these problems:

(1) Working hours are very short, they don’t like to save money, and they don’t spend money sparingly. The economic foundation at this time is relatively weak.

(2) Working hard and urgently meeting the expectations of family members, facing many problems, superimposed pressure from all sides, and the probability of suffering from major diseases such as vascular disease, hypertension, stroke, cancer, and acute myocardial infarction rise.

It can be found that at this age, the budget for purchasing insurance is small but the protection needs are greater. Accident insurance + critical illness insurance + million-dollar medical insurance can be configured.

1. Critical illness insurance

WHO data shows that 75% of people in China are in a sub-healthy state, and young people are more likely to suffer from certain major diseases than older people. The number of serious diseases is gradually increasing among young people. Critical illness insurance covers major illnesses and moderate/mild illnesses. Most young people cannot afford the treatment costs of critical illness, so it is necessary to buy a critical illness insurance. Look at this picture:\x09

And as you get older, if you suffer from certain diseases, you can no longer buy some of them. The sooner you buy critical illness insurance, the better.

Here is a list for reference: "Designed for 18-year-olds!" A comprehensive review of the top ten critical illness insurances worth buying in 2020! 》

2. Accident insurance

It only costs about 100 yuan to buy an accident insurance with an insured amount of hundreds of thousands, which protects accidental disability and death. It is very suitable for young people to buy. Choose an accident insurance first and then look at other things. For young people, it is especially important to buy accident insurance that adds sudden death protection.

3. Million-dollar medical insurance

Million-dollar medical insurance mainly reimburses hospitalization for illness. Many excellent medical insurances also come with a green channel for medical treatment, which can provide proton and heavy ion therapy. It only costs two to three hundred yuan a year, and there are millions of reimbursements, which is acceptable even if you don't have a high budget.

Worried about someone stepping on the trap, I prepared an inventory: "Designed for 18-year-olds!" A review of the top ten million-dollar medical insurance worth buying in 2020! 》

Hope to adopt it!

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Source: Xueba said insurance official website