What insurance should I buy for 3 1 year old?

For most people, it is very necessary to choose some insurance. After all, there is no way to predict risks, so in order to get more comprehensive protection for themselves, most people will choose to buy insurance to transfer risks.

Do people aged 3/kloc-0 need to buy insurance? What should I pay attention to when buying insurance? Senior, let me tell you!

Want to know more about dry goods, you may wish to open the following article:

What kind of insurance is suitable for you at the age of 3/kloc-0? 》

What insurance should I buy for 3 1 year old? Why?

For young people aged 3 1 year, I recommend the following four kinds of insurance: critical illness insurance, million medical insurance, life insurance and accident insurance.

1, critical illness insurance

Nowadays, the pace of life is getting faster and faster, and it is common for young people to be seriously ill. If a 3 1 year-old young man suffers from a serious illness, the impact on the family economy is undoubtedly enormous.

At this time, the financial burden of the family may fall entirely on the spouse and parents. They need to continue to earn money to maintain their family expenses while bearing the expensive treatment expenses.

Critical illness insurance can be regarded as a kind of compensation insurance. It doesn't matter how much the treatment costs. It is very helpful for the family to tide over the difficulties smoothly.

If you don't know what kind of critical illness insurance is worth buying, look at what the experts say:

"3 1 year-old recommended to you, the top ten inexpensive critical illness insurance stocks! 》

2. Millions of medical insurance

Millions of medical insurance is also called reimbursement insurance, and the scope of reimbursement can only be your own expenses.

The scope of medical insurance reimbursement is limited. For example, 1.2 million injections of anticancer drugs, so far medical insurance can not be reimbursed.

However, at present, some millions of medical insurance can reimburse this expense.

Therefore, for a young person with 3 1, it is obviously necessary to configure millions of medical insurance.

3. Life insurance

In recent years, sudden death of young people has become more and more common, and many old people have sent their children away.

Life insurance may not sound so auspicious, but it is necessary to configure it. In the event of an accident, you can also leave some money, which is of great help to family responsibilities and can also keep your love for your family.

4. Accident insurance

Young people are not only at risk of diseases, but also at risk of accidents, because accidents are everywhere.

Therefore, it is necessary to configure accident insurance, which can be used to reimburse medical expenses caused by accidental injuries. If the insured is disabled or dies due to an accident, he can apply to the insurance company for compensation.

At this point, I believe everyone knows what insurance to buy for 3 1 year-old. However, some friends may say, senior, can you take an insurance and see how to buy it? Not much to say, this will arrange dry goods for everyone!

Second, recommend a cost-effective critical illness insurance for people aged 3 1 year!

Versailles plus critical illness insurance, which is extremely popular recently, is what senior sister wants to share with you. The following is the guarantee content:

Versailles additional critical illness insurance has the following advantages:

1, compensation for serious illness

Versailles aggravated illness insurance has set an extra payment for serious illness at the age of 60-64. If you go out of danger before the age of 60, you will only pay 80% of the insured amount, and the extra payment for the age of 60-64 will be 30% of the insured amount. It can be understood that if the insured is diagnosed with a serious illness, the insured can get 180% coverage at most once, which is still very competitive among the common serious illness insurance products in our market.

2. Number of payments for mild * * *

Most of the serious illness insurance on the market is three times that of mild illness and twice that of moderate illness, which is very rigid. However, the number of moderate and mild diseases in Versailles plus critical illness insurance is set to less than 5 times, which makes the protection of Versailles plus critical illness insurance more flexible. Even if the insured suffers from mild illness for 5 times or moderate illness for 5 times, there is a certain probability that he can get compensation.

Generally speaking, Versailles plus critical illness insurance is very strong, suitable for young people aged 3 1 year. Versailles plus critical illness insurance not only has these advantages, but also is limited by space, so I won't go into details here. Interested friends can go to the following to find out:

"Versailles plus critical illness insurance has returned heavily, and you must look at the in-depth evaluation before buying! 》

Write it at the end

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.

WeChat official account: Xueba said that insurance costs less, buy the right insurance!