Senior Sister Xue will first send you a guide on how to buy insurance more cost-effectively. Don't miss it:

What is the cheapest way to buy insurance?

If the delivery person wants to buy cost-effective insurance, Senior Sister suggested giving priority to insured insurance, such as accident insurance, critical illness insurance and millions of medical insurance.

Takeaways often run around on the road, and the probability of accidental injuries is relatively high compared with other people, especially traffic accidents. Therefore, accident insurance is the insurance that the takeaway staff needs to configure. You can try to choose the accident insurance for traffic accident protection!

In addition, the disease risk of the takeaway is also worthy of attention. In view of this, critical illness insurance and million medical insurance are more suitable for configuration.

after these two insurances are pre-configured, if the insured unfortunately suffers from related diseases and meets the requirements, the critical illness insurance will pay an insurance premium, and the million medical insurance will reimburse the corresponding treatment expenses according to the agreed proportion.

Millions of medical insurance is a kind of insurance with high cost performance. Some millions of medical insurance can provide higher coverage by paying only a few hundred yuan a year, which is more cost-effective insurance.

compared with millions of medical insurance, the premium of critical illness insurance is not so cheap, but the protection of critical illness insurance is also very important! Therefore, if your budget is limited, you can choose a longer payment period when you are insured. Because, other things being equal, the longer the payment period, the less the annual premium the insured needs, which can better alleviate the economic pressure of the insured.

in addition, the annual premium of many accident insurance products is only a few hundred yuan or even dozens of yuan, which is quite cost-effective!

However, when you apply for insurance, you should note that insurance companies generally classify the insured according to their occupations. Takeaway workers are generally high-risk occupations, belonging to category 4-6.

Therefore, when taking out insurance, the delivery staff should pay attention to whether their occupation is covered, especially accident insurance. You can also give priority to products with loose occupational restrictions.

This article gives a detailed introduction to the occupational restrictions when buying insurance. Interested friends can have a look:

What is the impact of occupational restrictions on insurance? Please collect this 6-category occupational insurance guide as soon as possible!

in addition to the above three kinds of insurance, it is necessary for the delivery staff to configure term life insurance for themselves.

if qualified, term life insurance can make up for the economic gap caused by the unfortunate death of the family breadwinner.

Many delivery people are also the main economic pillars of the family, and bear the main economic responsibilities of the family, so it is necessary to allocate term life insurance.

Due to the limitation of space, if you want to know what is a friend of term life insurance, please take a look at this article:

What is term life insurance? Who is suitable for buying? Everything you want to know is here!

Hope to adopt

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