So for the 33-year-old population, do you need to buy insurance? What should I pay attention to when buying insurance? Senior, let me tell you!
1. What factors should be considered in the configuration of critical illness insurance?
33 years old is the most critical period in life. It is necessary to support parents and children. Some 33-year-old friends even have to pay off debts such as car loans and mortgages for many years, and many places cannot do without money.
Therefore, it is also important to buy critical illness insurance and choose the insured amount!
Since the new regulations on critical illness insurance came out, the prices of many critical illness insurance products have increased.
Senior certainly doesn't want friends to buy critical illness insurance products with low cost performance and low price!
So senior sister collected some newly defined lists of critical illness insurance for her friends. You might as well choose a product that suits you:
"Top Ten Hot Critical Illness Insurance Inventory Worth Buying! 》
Before, the senior received private letters from many friends asking whether it was enough for a 33-year-old to buy 500,000 insured critical illness insurance.
At the age of 33, it is enough to buy 500,000 critical illness insurance, but the senior sister suggested that if everyone has a good family economic foundation, then the critical illness insurance coverage should be at least 500,000. Why? The reason for this is the following：
1, the cost of serious illness treatment
As long as the insured suffers from different types and severity of serious diseases, the economic expenses required will also vary greatly.
Under normal circumstances, the cost of treatment for serious diseases is around 300,000. If the severity of serious illness is deeper, the treatment is more difficult and the treatment cost is higher.
Senior sister compiled a list of high incidence and serious diseases for everyone early, and interested friends quickly poked it with their hands:
What diseases does critical illness insurance cover? Don't buy these if you don't understand! 》
2. Rehabilitation expenses
You know, after a serious illness, everyone's road to recovery is very long, and the recovery time is hard to predict.
Then, it is difficult to determine the expenses incurred during rehabilitation.
For example, if you have cancer, it will take a long time to treat it, and the road to recovery will be long. In order to prevent the recurrence of cancer symptoms, it is necessary to take some targeted drugs to prevent cancer from continuing to metastasize. The cost of taking targeted drugs all the time is not small. When considering the amount of insurance, don't miss the cost of rehabilitation from serious illness.
How expensive are targeted drugs? Look here and you will know:
3, lost time
During the period of critical illness insurance, daily expenses and work income will definitely be lost, which is normal.
In case you lose your job due to a serious illness, critical illness insurance can protect part of your income loss.
To sum up, 33-year-old people should buy at least 500,000 critical illness insurance.
2. What will happen if the critical illness insurance coverage is too high/too low?
In fact, we found that most partners didn't pay attention to the importance of insurance distribution when they took out critical illness insurance. Determining the amount of critical illness insurance is also a random choice. In fact, whether the coverage of critical illness insurance is high or low has certain influence on us. Below, you will get the answer you want:
1, critical illness insurance coverage is too high.
You know, when we determine the coverage of critical illness insurance, the higher the coverage, the more the corresponding premium.
If all the 33-year-olds have good family economic conditions, there is no big problem.
However, for friends who have a poor family economic foundation and have not decided to invest too much money to buy insurance, it is nothing more than increasing their economic burden.
So senior sister wants to tell you that when buying insurance, not all of them are suitable for you. You should choose according to your own economy and budget. The amount of insurance does not mean that you have to choose a very high one, but one that suits you. It is recommended that friends insure more than 500,000 yuan.
Critical illness insurance coverage is not as high as possible, so low coverage is good? After reading the following, you will know!
2. The coverage of critical illness insurance is too low
The purpose of configuring a critical illness insurance for ourselves is that when risks come, we can resist them well.
If the insurance coverage is too low, if you suffer from a serious illness, the compensation amount is less than the amount paid for medical expenses. Can buying critical illness insurance reflect his value?
If you choose to use your savings to buy a critical illness insurance with a coverage of 300,000, and after you are diagnosed with a serious illness, the critical illness insurance with a coverage of 300,000 has been spent on treatment expenses, then how can the family's income vacancy be subsidized?
To sum up, it is correct for us to choose the coverage of critical illness insurance according to our actual budget.
If you can insure 500,000 critical illness insurance at the age of 33 under the limited budget, it is basically enough!
Because of the time, if you want to know more about the configuration of critical illness insurance, please poke here:
How much insurance is appropriate? Talk about the doorway inside.
Third, the summary of the senior sister
To sum up, buying critical illness insurance is not as high as possible. I suggest you choose the appropriate amount of insurance according to your own economic conditions. If the insurance coverage is too high, the corresponding premium will be higher, so most of the family's economic expenses will be used to buy insurance, which will affect the quality of family life to some extent. Senior sister thinks this is inappropriate!
Generally speaking, 33-year-old people buy critical illness insurance, the basic purchase amount is 500 thousand, don't worry!
Write it at the end
I am an expert in insurance, focusing on objective, professional and neutral insurance evaluation;
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WeChat official account: Xueba said that insurance costs less, buy the right insurance!