Young and healthy, is it a waste to buy insurance?

"I am still young and healthy. Why spend so many years buying insurance? Isn't it a waste of money not to have an accident? " This is why many young people refuse to buy insurance. Is that really the case? Let's talk about this topic today. The content is as follows:

1, is it a waste for young people to buy insurance?

2. What are the advantages of young people buying insurance?

3. How to buy insurance when you are young?

First of all, you should never think that you can equate yourself with good health at a young age.

Contemporary young people are under great work pressure and lack physical exercise. They often sit for a long time, bow their heads and play with their mobile phones, and take out instant noodles every day in terms of diet. Young and sick people are not uncommon! In the past, major diseases with high incidence among the elderly have gradually become younger.

According to the data published by the authoritative magazine "The Lancet Tumors" in 20/0/8,/kloc-0,000,000 young people aged 20-39 are diagnosed with cancer every year, among which breast cancer is the most common, accounting for 20%.

Once a young person is unfortunately seriously ill, his meager income and savings are not enough to cure the disease. Is it necessary to empty parents' pension money to treat diseases?

It is precisely because of the uncertainty of accidents and diseases that young people should also buy insurance, which is not only responsible for themselves, but also for their parents. Even if they are unfortunate enough to encounter an accident or get sick, they can at least give their families a financial relief.

Young people buy insurance, which not only helps to resist unknown risks, but also has many benefits.

First, the premium is cheap.

The pricing of insurance products is positively related to the risk probability. When you are in good health when you are young, the insurance premium will be cheaper.

Second, young people have more choices to buy insurance.

When I was young, I was in good health, basically free from illness, and there wouldn't be too many insurance restrictions. There is a lot of choice. But when you are old and have no insurance, you can't get money when you are sick. What is even more frightening is that it is very likely that the medical history will not reach the health notice of the insurance company and the insurance will be limited. At this time, you can't buy it if you want.

Third, the insurance coverage of young people is relatively high.

There is basically no limit to the amount of insurance, such as critical illness insurance, which can buy hundreds of thousands or millions of insurance. With age, the risk of serious diseases increases. In order to reduce the risk of high claims, insurance companies usually limit the insured amount. Therefore, the amount of critical illness insurance that the elderly can buy is lower than that of young people.

Finally, what kind of insurance is suitable for young people to buy?

1, critical illness insurance

It has protective effect on major diseases such as malignant tumor and acute myocardial infarction. Diagnosis is to pay an insurance premium to make up for the loss of income during illness and the subsequent rehabilitation expenses. If the budget is sufficient, it is recommended to configure long-term critical illness insurance. If the income is unstable and the budget is small when you are young, you can buy a short-term consumer critical illness insurance first, and get high critical illness insurance protection with less money.

2. Medical insurance

In particular, the million-dollar medical insurance, which sells well in the market, has a coverage of millions, and the scope of drugs in the medical insurance catalogue is not limited, such as self-funded drugs, imported drugs, targeted drugs and so on.

3. Accident insurance

Daily accidental injury protection, including accidental death, disability, accidental medical expenses, etc. Accident insurance is highly leveraged and notoriously cheap. A few hundred yuan can incite millions of accident protection, which is basically suitable for everyone to insure, and people who travel frequently need to be configured.

4. Life insurance

For example, if parents need to support themselves, they need to ensure that they have a sum of money to support their parents in the event of their parents' death. This determines that they need to consider a certain life insurance, and if the budget is not much, they can configure a term life insurance.

Comment on insurance category:

In short, it is very necessary for young people to buy insurance. No one can be young forever, and no one can live a safe life without getting sick. This is an unavoidable fact. Young people use reasonable insurance planning to deal with future risks, which is the embodiment of being responsible for their families and themselves.