Goddess Day special offer, this insurance strategy designed for "her", safe and cost-effective!

In today's era, the image of women is no longer the traditional sense of "kennaisuke", but also plays multiple roles such as daughter, wife, mother, and employee. Women do a good job of health management and self-protection planning, which is one of the best holiday gifts to give themselves.

On the occasion of "March 8" International Women's Day, while paying tribute to women in the whole society, Beijing Business Daily reporter interviewed a number of insurance institutions and a number of industry insiders to create a "her" insurance strategy. Provide the most suitable insurance plan for women of different ages, different social roles and family roles.

So, which insurance must be bought and which insurance is worth buying? What should I buy first and what should I buy later? How to buy the most comprehensive protection and the most cost-effective premium? Full of dry goods are here.

All kinds of insurance to pick a fancy? Different age groups need to focus on different risks

Women can play an increasingly diverse role in modern life, but various risks such as illness, accidents, and longevity also come with them. In fact, as long as you choose the right insurance plan, you can alleviate "her" worries.

If "she" has just entered the workplace and has a limited budget, what insurance should she choose for herself?

The relevant person in charge of Kunlun Health Insurance said that at this time, it is necessary to cover the larger risk with a small cost as much as possible, and one-year accident insurance and one-year million medical insurance can be considered.

Critical illness insurance is the "star product" that many consumers pay attention to, is this the best time to insure critical illness insurance?

Li Yingcun of Huaxia Insurance Marketing Business Group pointed out that modern women's life is under pressure, the onset of various diseases is getting earlier and earlier, young women need a major illness protection, you can buy consumer-type regular serious illness insurance, the earlier this type of insurance is invested, the lower the premium.

Time flies, steps are hurried, and in the blink of an eye to the age of 30, women need to balance career and family, how to buy insurance?

The relevant person in charge of Kunlun Health Insurance said that women in their 30s, most of them have completed the formation of their families, and may face double pressure from the workplace and family, at this time, the protection can be improved and strengthened, such as medical insurance that guarantees the renewal of insurance for a long time, and at the same time strengthen the protection of women's specific diseases (such as breast cancer, cervical cancer, ovarian cancer, etc.).

The economic base determines the superstructure. At this time, most women have the "right to speak", can they improve their medical conditions through insurance?

Yu Qin, business manager of Taiping Life Beijing Branch, said that at this time, women can apply for insurance according to their own medical conditions, and if they want to match medical institutions with a good medical environment (such as the international department of public hospitals, high-quality private hospitals, etc.), they can configure high-end medical insurance, which are not within the scope of medical insurance reimbursement.

Of course, while caring for yourself, don't forget that you are the "half of the sky" at home, what kind of insurance should you buy?

The person in charge of a branch of a life insurance company reminded that women can also apply for regular life insurance at this time, and cover family loans such as housing loans, children's growth funds and parents' pension funds. In order to prevent accidents from affecting the growth of children and the parents' old age. Because term life insurance can support the expenses of mortgage, children's education, and support for parents when the "top pillar" unfortunately dies unexpectedly or is completely disabled, it continues to bear the family responsibilities that the "top pillar" has not yet completed.

When women enter the stage of 40-55 years old, their children gradually grow up, and their careers move towards the "end", how to arrange protection for themselves?

The above-mentioned person in charge believes that at this time, attention should be paid to supplementing life insurance and health insurance, and seize the last opportunity to "get on the car" serious illness insurance, and if you are older, even if you want to insure serious illness insurance, the insurance company will not "collect". In addition, Yu Qin analyzed that the current social security pension replacement rate is less than 40%, and women need to allocate commercial pensions for themselves in advance in order to enjoy a relatively high-quality pension life after retirement.

When an elderly woman in her 60s buys insurance, how should she choose?

A number of industry insiders and insurance institutions have said that the most important thing to pay attention to at this time is accident insurance. After working for the family and work for half a lifetime, after retirement, I want to travel with three or five girlfriends to travel the world to see the stars and the sea. Helplessly, after aging, people's hands and feet are unresponsive and they are very easy to fall. Once an accident occurs, it is necessary to be hospitalized, and the cost is higher, which is undoubtedly a burden for the elderly with reduced income, so it is necessary to purchase accident insurance for the elderly. In addition, the physical function is gradually weakening, so we must pay attention to the needs of elderly care and old-age security.

Goddesses have a strong willingness to insure, but these misunderstandings cannot be touched!

Claims reports from most insurance companies show that women are more motivated than men when it comes to planning to plan their plans. However, the Beijing Business Daily reporter found in the interview that women prefer to put their children first when applying for insurance, thus ignoring their own health protection, and more respondents said that they did not need insurance if they had "husband's love".

The first misunderstanding: driven by selfless maternal love, after the goddesses became mothers, everything was given priority to the child. In the order of insurance, the first consideration is to buy insurance for the child first.

Kunlun health insurance related person in charge said that the adult protection is very insufficient to blindly allocate savings products such as education funds for children is a "misunderstanding", adults are the pillar of the family, need to give priority to adults to configure perfect accident and disease protection, and then consider the child's health protection, and finally there is still room for children to configure savings products, if the cart is reversed, once an adult has a major illness, the family economy will be in trouble, and the child's insurance will be forced to be cut off.

Yu Qin also believes that insurance is a tool to transfer risks, and the most important thing to give priority to transferring risks is the family economic pillar, because if they are at risk, in addition to large medical expenses, economic income will also be interrupted. Therefore, the family allocation insurance should first be equipped with medical insurance, life insurance and other insurance protections for the family economic pillar.

The second misunderstanding: there is "husband's love" and "family love" around and bottom, no need to buy insurance.

The person in charge of the above-mentioned branch of a life insurance company said that the core of insurance as protection lies in precautions. There is family care, there is a family affection of the crowd is happy, but in the face of disease risks, accident risks and longevity risks, insurance is a safe "safe haven", once due to accidents or serious illness need to change life, insurance brings money and dignity, but also can reduce the burden and pressure of family members.

The third misunderstanding: since there are so many risks in the outside world, then buy more insurance to defend yourself, the more products the better.

The relevant person in charge of Kunlun Health Insurance pointed out that when the income level is low, the smallest possible cost should be used to cover the larger risk, and one-year accident insurance, one-year million medical insurance, and regular major illness insurance products can be considered; when the income level is higher, the protection can be improved, such as lifelong serious illness insurance and long-term guaranteed renewal medical insurance. More industry insiders bluntly said that buying insurance must be decided according to the income situation, and it is best not to pay annual premiums more than 20% of the annual income, focusing on covering basic protection such as accident insurance and medical insurance.

This period and endemic organs should be given "special care"

"With the acceleration of the pace of social life, modern women shoulder the burden of career and family, and are easily 'targeted' by various diseases." Wang Yin, general manager of Huixue Life Insurance Commodity Center, said that the most lethal thing about women's health is cancer risk.

According to the "2020 China Cancer Incidence and Death Statistics", the number of new cancer cases in Chinese women in 2020 is 2.09 million, accounting for 46% of the total, while the top five new cancer cases in Chinese women are breast cancer, lung cancer, colorectal cancer, thyroid cancer, and gastric cancer, of which the incidence of breast cancer is increasing year by year. Paying attention to women's health requires female compatriots to improve their self-awareness and pay attention to the cultivation of healthy habits.

So, for breast, uterus, ovaries and other areas with high incidence of diseases, how can women give "special attention" when buying insurance?

The person in charge of a branch of a life insurance company believes that it is recommended that the sum insured of serious illness insurance must be sufficient, and try to choose products with additional cancer compensation, and for medical insurance, products that can be reimbursed for anti-cancer drugs should be selected as much as possible. Because with the advancement of medical technology, as long as it is found early and treated early, even if you have cancer, it is not necessarily a "dead end", and the five-year survival rate of breast cancer in mainland China has reached 83.2%. However, the cost of medical treatment for these diseases is not low, and insurance is the "life-saving straw" at this time. In addition, there are already insurance products on the market that specifically protect women's unique organs, and the same amount of insurance, such insurance products have lower insurance premiums, which is a good choice.

Unlike men, most women have to go through a special period of life - pregnancy, what are the precautions for pregnant women to insure? And what "captive" plans are worth insuring?

The relevant person in charge of Kunlun Health Insurance suggested that in the absence of other pre-pregnancy diseases and complications during pregnancy, pregnant women can purchase insurance, such as medical insurance and serious illness insurance (there may be gestational age requirements, such as pregnancy not exceeding 28 weeks).

During pregnancy, there are exclusive maternal and infant products that can be insured to reimburse complications during pregnancy and the cost of hospitalization of the newborn, and a certain amount of compensation for the newborn if there is a congenital malformation or disease. Since women face higher risks during pregnancy than usual, pregnancy insurance needs to be configured at this stage to prevent problems before they occur.

The insurance configuration pays attention to the different people, different incomes of female groups, the above answers the different ages of insurance consumers how to buy insurance and the pits to avoid. In fact, choosing the right insurance also has a good idea. Wang Yin said that first of all, understand the priority of insurance allocation: understand the risks solved by various types of products, analyze and sort the risks according to their own situations, and then configure insurance products such as medical insurance, accident insurance, serious illness insurance, life insurance, annuity or education funds, and it is recommended to configure protection products after configuring savings products.

Secondly, the use of insurance portfolio: large and complete single insurance product solutions, often slightly inferior in terms of cost performance, if you pay attention to the cost performance of insurance, you can use the combination of insurance + modular product liability matching, choose the most suitable for yourself, the best cost performance of the protection program.

Finally, understand the insurance product insurance threshold: Insurance products, especially health products, often set a health threshold. Female groups, more or less also have some health or physical examination abnormalities, and some health abnormalities are often rejected by some insurance products. Therefore, the allocation of insurance products, on the one hand, should be early, on the other hand, in the insurance stage, it is also necessary to carefully read the health requirements of the insured products, truthfully inform the physical condition, and avoid subsequent claim disputes.

Insurance is not a panacea, but it can relieve worries when illnesses, accidents, and aging come. As industry insiders say, you don't have to be rich, but you can get rich when you need it most with an effective insurance configuration!

Beijing Business Daily reporter Chen Tingting Li Xiumei