Unmarried young women have limited income. When buying insurance, it is best to choose purely consumption-oriented protection products, such as critical illness and accident insurance. Many insurance companies have similar health insurance products designed for women, but they all appear in the form of additional insurance, such as "Additional Perfect Beauty Women's Health Insurance Section B" from Guangdian Risheng Life Insurance Company, and "Additional Worry-free Women's Disease Insurance" from Sun Life Everbright wait. This type of insurance is a purely consumer product, targeted at women of a certain age, with no maturity premium, and is the most common product.

After women have a higher income, it is best to buy special critical illness insurance for women, and the coverage period is preferably longer. At present, many insurance companies have developed special products for women in this age group, such as China Life's Life Care Women's Disease Insurance Sections A and B.

After the age of 30, most women care more about financial security than their physical health. At this time, white-collar women who have a considerable financial foundation should timely add some insurance products with dual functions of protection and investment. At present, in the insurance market, there are some insurance products designed specifically for major diseases that may occur in middle-aged and elderly women. Some products include birthday benefits, and some dividend-based insurance products are also very suitable for women's needs. Policyholders may wish to purchase these products together.

Of course, the above three ranges are just a simple division, and the details should change depending on the actual situation of the policy holder. Regardless of health insurance or pension insurance, the younger the insurance age, the lower the premium. Therefore, you should take out insurance as early as possible and in a timely manner based on your actual risk characteristics and financial capabilities. Recommendation: Women in this age group are still in school, and are not yet mature in terms of age and body. Women are less likely to have major diseases, and education funds account for a relatively large proportion. Insurance planners suggest that basic medical protection and education protection should be considered at this stage, and critical illness insurance should be added if conditions permit.

Recommendation: It is recommended to use participating insurance or universal insurance for education funds.

Comment: The insurance amount involved in the education fund is relatively high, and women in this age group have to rely on their families financially. If your family is in better condition, you can get insurance. If it is average, it is recommended to use it for the most basic medical insurance. Suggestion: Women in this age group have just reached maturity and ensure that their status increases. However, it is recommended to choose pure consumption-type protection insurance, including critical illness and accident insurance. If the funds can be circulated, then look at what you are lacking, and add insurance types according to the situation to improve your protection plan. However, generally speaking, women in this age group who have just started working have low and unstable incomes, so the "standard configuration" mentioned above should be enough. Best of all, this purely guaranteed product is cheaper.

Recommended: Flower Protector Health Insurance.

Comments: It is a purely consumer product, targeting people aged 18-55. It has no immunity and cannot be converted to other products during the contract period. There is no maturity fee, and it is the most common product. . In terms of insurance liability, it is responsible for 8 major diseases, and the observation period is 90 days. Provides female cancer, female critical illness, female disease and medical treatment, accidental plastic surgery and death insurance. The former can have an insured amount of 10,000 yuan for 26-186 yuan. Suggestion: The lives of women in this age group tend to be stable, and most of them are married. The incidence of major gynecological diseases has greatly increased. Therefore, you must purchase special critical illness insurance for women, but it is recommended that the coverage period be longer. In addition, at this stage, women begin to visit beauty salons and consider having a baby. It is recommended to increase plastic accident insurance and maternity insurance.

Recommended: Life-loving female disease insurance, additional female reproductive health insurance.

Comments: The previous product expanded the age range to 16-60 years old, and increased the number of major diseases to 18. In addition to the original benefits, it also added medical insurance benefits for physical disability and hip fracture. The additional additional insurance for mother and child is covered. It is a one-year short-term product that covers 14 major diseases, and 100 yuan covers 10,000 yuan. Both types of insurance can be renewed, it mainly depends on which aspect of protection the consumer prefers. Suggestion: Financial management and retirement have become the main topics for women in this age group. It is recommended to choose ones with a financial management nature. The participating insurance on the market now is a good choice.

Recommended: Ankangxing Endowment Insurance.

Comments: This insurance has a maximum age limit of 59 years old, with maturity benefits, and coverage until the age of 88. In addition to normal major illness and accident protection, there are also exemptions from insurance fees and annual physical examination subsidies. , the most important thing is cash dividends. However, there are some problems with this product, which should be said to be the shortcomings of the entire dividend-paying product, that is, there are many exemptions, the price is expensive, and it costs 5,498 yuan to insure 10,000 yuan, the liquidity of funds is poor, and there is little recovery when surrendering the policy early. 30-year-old married professional women usually have a relatively stable job income and have longer-term plans and expectations for life. Therefore, they have greater freedom when purchasing insurance and have become the main target of insurance salespeople. At this time, wives must carefully consider the type of insurance they purchase based on their partner’s financial and income situation.

Married women with average incomes already have public medical insurance. If their income is average, they can only purchase some accident insurance as a supplement, or purchase lower-priced women's health insurance. .

And on this basis, choose insurance types with dividend-paying financial management functions to achieve comprehensive functions such as financial management, illness, accidents, and pensions. When purchasing, you can also enjoy dividends based on the profitability of the insurance company. Take Ms. Wu, a 30-year-old secretary who works in a public institution, as an example. If she purchases an X-year endowment insurance policy from an insurance company and an accident occurs at different times, she will receive several times the insurance amount of the main contract based on the number of years; If the contract still survives on the expiration date, you will receive the maturity premium of the insurance amount of the main contract for that year, and you will also receive bonus dividends during the validity period of the insurance. When Ms. Wu purchases the aforementioned insurance, she can also purchase additional critical illness insurance.

Married women with higher incomes can afford the higher-priced women’s health insurance offered by insurance companies because they have more personal disposable property. In addition, they can also consider purchasing some additional investment-linked insurance or insurance. Comprehensive insurance. These types of insurance can meet individuals' needs for greater investment returns. However, when purchasing such investment insurance, you should be aware that since it is an investment, there will be certain risks involved, and you should strictly examine where your risks may appear.

Extended reading: How to buy insurance, which one is better, and step-by-step instructions to avoid these "pitfalls" of insurance