I am 2 1 year old this year. Is it better to pay social security or commercial insurance at this age?

Brother Bao said that insurance focuses on the evaluation of insurance products! At the age of 2 1, the budget for buying insurance will be less, and every minor illness will cost money to treat. If you are unfortunately seriously ill, you will suddenly be at a loss. In order to solve this problem, I made a comparison table of critical illness insurance that young people can afford: the top ten insurance companies are worth buying!

I suggest you buy social security first, then commercial insurance. Social security is the most basic guarantee, and the cheap threshold is low. Moreover, many people who have social security to buy commercial insurance buy more reimbursement than those who have no social security. Looking for insurance suitable for people aged 2 1 year, I can give you a brief introduction.

Say yes in advance, don't worry about which company's insurance to buy, only the product is king. Nowadays, young people are under increasing pressure and will begin to have a sense of crisis and insurance. However, the recognition ability of young people is still not high enough, and the insurance information is complicated. It is not easy to choose the insurance that suits you. Therefore, vomiting blood has integrated a detailed strategy for buying insurance for 2 1 year-old.

Young people mainly face these problems:

(1) I haven't even worked long, and I haven't thought much about saving money and spending money frugally. At this time, the economic foundation is relatively weak.

(2) Life is irregular and there are many problems to face. The pressure is high, and there is no small probability of suffering from major diseases such as vascular disease, hypertension, stroke, cancer and acute myocardial infarction.

After analysis, I know that I need to buy cheap but well-protected insurance at my age, and I can configure 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. Young people have become a group with high incidence and serious diseases. Critical illness insurance covers major diseases and moderate/mild diseases. Many young people can't afford to treat serious diseases. A critical illness insurance is very useful. Look at this picture about the price:

Obviously, the later you buy critical illness insurance, the more expensive it is. If you are hesitant and unfortunately a little sick, you can't buy any more. The sooner you buy critical illness insurance, the better.

I don't know which to buy, just look at the list:

2. Accident insurance

Buying an accident insurance with a coverage of several hundred thousand yuan only costs about 100 yuan, which is very suitable for young people to buy. The most basic protection can be accident insurance. For young people, you can buy an accident insurance with sudden death protection.

3. Millions of medical insurance

Millions of medical insurance is mainly for reimbursement of illness and hospitalization, and many medical insurance will also be accompanied by a green channel for medical treatment, which can provide proton heavy ion therapy. The reimbursement amount of several million yuan is two or three hundred yuan a year, which is acceptable even if the budget is not high.

I stayed up late to make a list for my friends who can't pick: