Brother Bao talks about insurance and focuses on the evaluation of insurance products! At the age of 23, the budget for buying insurance is relatively small, and people are reluctant to spend money on minor illnesses. If they encounter major diseases, they don't even have the courage to face them. In order to solve this problem, I have made a comparison table of critical illness insurance worth buying for young people: the top ten insurance companies are worth buying.

I'd like to remind you that you can't just look at the company when buying insurance. The product is the most important thing. Nowadays, young people are under more and more pressure, and they will start to have a sense of crisis, and their awareness of insurance is constantly improving. However, their identification ability is still poor, and there are many insurance products. It is not easy to choose the insurance that suits them. I specially compiled a 23-year-old insurance allocation strategy.

Young people mainly face these problems:

(1) They have no awareness of saving money, and they are used to spending money lavishly. Even if they have worked for a short time, their economic foundation is relatively weak at this time.

(2) Working late at night and parents' high expectations have many things to consider, which brings great pressure, such as vascular diseases, hypertension, stroke, cancer, acute myocardial infarction and other major diseases are very high.

According to the above analysis, young people should choose some insurance with high incidence of diseases but relatively low price, which can be configured with accident insurance+critical illness insurance+million medical insurance.

1. Critical illness insurance

According to WHO data, 75% of people in China are in sub-health, and the probability of young people suffering from some major diseases is higher than that of the elderly, and young people have become a group with high incidence and serious diseases. Critical illness insurance covers major diseases and moderate/mild diseases. The cost of treatment for major diseases is unbearable for most young people, so it is necessary to have a critical illness insurance to protect themselves. Look at this picture about the price:

It can be found that the younger you are, the cheaper it is to buy critical illness insurance. If you are unfortunately suffering from a minor illness before buying, the insurance company will not allow you to buy critical illness insurance, and the sooner you buy it, the better.

I've compiled a list:

2. Accident insurance

You can buy hundreds of thousands of accident insurance for about p>111 yuan to protect accidental disability and death. It's very suitable for young people to buy, and you can give priority to accident insurance and additional accidental medical treatment. For young people, pay more attention to accident insurance with additional sudden death.

3. Millions of medical insurance

Millions of medical insurance is mainly for reimbursement of illness and hospitalization, and the green channel for medical treatment is attached to many excellent medical insurance, which can provide proton heavy ion treatment. The reimbursement amount of several million yuan is only two or three hundred yuan a year, which is acceptable even if you just work.

Good medical insurance should be selected. The list is presented for reference: What good medical insurance are recommended? Inventory of Top 21 Best-selling Medical Insurance in 2121