/kloc-Do young people aged 0/8 need to buy insurance? What should I pay attention to when buying insurance? Senior, let me tell you!
1. Why do you want to buy insurance for people aged 18?
How to make children feel the love from their parents? Is it the most expensive clothes or the best toys for children? Senior sister's advice to everyone is to give children comprehensive protection, besides love, there are also the most secure arrangements for the future!
Children still have a long way to go from learning to walking steadily. Parents can't accompany them forever, but insurance can convey love, and it is every parent's duty to help children get through every difficulty safely.
It is reported that in China, the incidence of malignant tumors in children has been rising, and the treatment cost of serious diseases in children is extremely expensive, at least more than 400,000 cases. Suppose that the child is seriously ill, which has a great impact on the family, has to bear huge medical expenses, and at least one parent needs to accompany him and not go to work, which is simply a double economic loss.
Besides serious illness, there are also accidents such as bumps and bumps, cat and dog bites and colds and fever. These are all risks that may occur at any time during the child's growth. Therefore, if you ask Senior Sister whether it is necessary for children aged 65,438+08 to buy insurance, Senior Sister's answer is yes.
So how do you buy insurance for children aged 18? I believe many friends are very confused. Senior exclusive 18-year-old insurance insurance guide, three minutes to help you configure 18-year-old insurance, do not step on the pit!
18-/kloc-what kind of insurance is suitable for young people aged 0/9?
Second, how to buy insurance for 18 age group?
/kloc-the insurance configuration scheme for children aged 0/8 is very simple. The insurance that must be selected includes critical illness insurance, millions of medical insurance and accident insurance. Suppose you have more money, I suggest buying an education fund for your children.
1. critical illness insurance
Critical illness insurance is a member of compulsory insurance, but there is one thing to pay attention to. Many critical illness insurances do not pay immediately after diagnosis. It is stipulated that the insured can only get the corresponding claims after the disease is diagnosed, reaches a certain disease state or has a certain operation.
And no matter how much the insured pays, the insurance company pays according to the insured amount. The compensation received by the insured can be used as he wants, and the insurance company has no right to interfere with the use of this money. The use of this money is not only for treatment, but also for taking care of the family, which can effectively protect the daily life of future family members.
2. Millions of medical insurance
Millions of medical insurance is the medical expenses incurred by the insured in hospitalization due to illness during the insurance period. Millions of medical insurance can reimburse a large part. If it meets the coverage of millions of medical insurance and exceeds the deductible, the insured will be paid by the insurance company.
On the other hand, millions of medical insurance and critical illness insurance are not the same. The deductible of general medical insurance is usually set at 6.5438+0 million yuan, and the part exceeding the deductible is regarded as the part reimbursed by the insurance company. Below the deductible, the insured cannot apply for reimbursement.
3. Accident insurance
Life is always changing, and no one can predict accidents. In our life, accidents can happen at any time, and the impact of accidents on families should not be underestimated. In this way, an adequate accident insurance can solve the economic losses caused by accidents.
4. Education grant
For children's education expenditure, which is increasing at the rate of 3%-5% every year, it is still a considerable education expenditure, which will make parents' pressure more and more serious. If the venture capital fund can be established earlier, it will help children take the first step in life and enter social life smoothly.
Third, the insurance evaluation of the super hot 18-year-old population in the market!
At present, many insurance products for people aged 65,438+08 are selling well. For example, the critical illness insurance includes China Merchants Renhe Qingyunwei 1, Tongfang Global Versailles plus, My Worry-Free Critical Illness Insurance (Internet only), Darwin No.6 Critical Illness Insurance, Perfect Life Guardian 2022 Critical Illness Insurance, Baopuhui Multi-critical Illness Insurance, and Lexiang Ankang No.2021Critical Illness Insurance.
Senior observed for a long time. Everyone is very concerned about the popularity of insurance companies when choosing insurance products, so that we can see the quality of products. However, Senior Sister has prepared some suggestions for you. When you choose an insurance product that suits you, we'd better analyze the content and terms of protection first, so as to realize whether this product meets our protection requirements.
Next, the senior sister will give you a detailed evaluation of Versailles plus, an all-around player in critical illness insurance, to see what is good, so that so many people can make a decisive choice, targeting the 18-year-old population!
"Versailles plus critical illness insurance has returned heavily, and you must look at the in-depth evaluation before buying! 》
If you have insured the critical illness insurance products for people aged 18, if you have good financial strength, it is recommended to insure an education fund.
The characteristics of education annuity insurance are compulsory savings, earmarking and so on. This product is mainly to provide protection for children's studies, even if the family has economic changes in the future, they can successfully complete their studies!
Iv. 18 lightning protection tips for the elderly insurance
Many small partners will have such doubts when buying insurance: insurance products belong to the same type, but the products are different, and the expenses, compensation and protection are different.
Just like critical illness insurance, except the number of diseases is different, the coverage period is also different. For example, some products provide lifetime guarantee, but some products can only be guaranteed for a specific period of time.
Therefore, when buying insurance, we need to choose products that really meet our own needs according to our own protection needs. Don't buy any products just because others bought them. It may be the same product. It is possible that this product is suitable for others and you are not.
5./kloc-where is the best place for people aged 0/8 to buy insurance?
Today, with the rapid development of the insurance industry, there are not only online channels but also offline channels for friends to buy insurance.
If you prefer offline insurance, friends can choose through the offline service outlets of insurance companies. We can tell their insurance needs directly from the insurance salesmen, and they will directly match the appropriate insurance products according to our needs. After selection, we can contact the sales staff for insurance.
Of course, in addition to the above, in fact, we can also choose to call the hotline of the insurance company to buy insurance.
If you think that offline insurance will take too much time, then simply choose online insurance, and you can easily realize your wish of insurance without leaving home!
For example, we can insure our favorite products through the Internet insurance sales platform, which is actually a third-party insurance product sales platform. Many insurance companies' insurance products are specially assembled here. As long as someone wants to apply for insurance, they can successfully complete the insurance directly on their mobile phones or computers.
Of course, not only the above insurance methods, but also the official WeChat, official website, or exclusive app of insurance companies can also purchase insurance products.
So what's the difference between online and offline channels? And where to buy insurance is more cost-effective? Is online insurance really reliable? How should I choose?
6. How does a family buy insurance?
In fact, in the whole family, in fact, many people think that the most important thing is to buy insurance for children first. However, the senior sister has prepared some suggestions for everyone, not only to configure insurance for children, but also to have a complete security system.
The reason is simple, because for the average family, middle-aged parents are the main source of income for the family. To put it mildly, as the mainstay of the family economy, it is the least qualified to fall. If something happens, the whole family will be hit hard by the loss of economic resources, and even it is difficult to maintain their daily life. Therefore, we must first buy insurance for the family's economic expenses.
Secondly, children, after all, children are a vulnerable group in this society, so it is necessary to start insurance for children.
Finally, it is really important for families with large economic budgets to provide security for the elderly. Therefore, it is necessary to provide insurance for the elderly after buying insurance for the family breadwinners and children.
Do you want to configure various insurances for each family member? Of course not! Click on the link below, and Senior Sister will tell you how to buy insurance for your family, which is the cheapest and most useful!
"3 plans, complete family insurance"
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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.
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