In the face of a wide range of insurance products, female insured should make rational judgments, and it is best to choose accident health insurance first. Experts remind that due to women's own special body structure, the troubles caused by some special gynecological diseases also make the majority of women very upset. Fortunately, at present, many insurance companies have long been concerned about this issue, and specially launched women's health insurance. In addition to the coverage of general health insurance, they also provide protection for some diseases unique to women, such as uterine diseases and breast cancer. In short, women should not only buy insurance for their husbands or children, but also buy protection for themselves in time to minimize the potential risks faced by the whole family.

It is worth noting that women can refer to the following principles when purchasing insurance reasonably:

First, it depends on whether the scope and amount of product protection are suitable for you.

Second, single mothers should be exempted. For divorced women with children, their own illness insurance should be the most basic insurance.

Third, the order of women's insurance should be accident insurance and health insurance, and then consider insurance with functions such as pension and dividend.

At present, women's insurance in China can be roughly divided into four categories:

The first is the most common special period insurance-maternity insurance. It is worth noting that the insurance generally takes effect 90- 180 days after the insurance contract is confirmed. So if you want to buy this kind of insurance, you must do it early, otherwise it will be easily refused by the insurance company.

The second type is special-purpose insurance, which provides medical insurance specifically for common breast diseases and uterine diseases of women. Most of this kind of insurance can be paid in full, so it is more practical and affordable. It's rainy again, and the cost performance is relatively high.

The third type is women who need plastic surgery unexpectedly. This kind of insurance can cover the cost of treatment. The so-called unpredictable weather, especially when there are not many traffic accidents at present, buying such insurance for yourself is also a kind of care for yourself.

The fourth type belongs to savings insurance. Colleagues with insurance function have more social activities, and this kind of insurance is also loved by many women.

The pace and pressure of life in modern society are quite great, and it is really difficult for women to struggle to survive in such a society. Women must know how to cherish themselves and make plans and plans for their future. In any case, we should understand the truth of "preserving assets". Female insurance is like a very intimate bodyguard, who can remind herself in the hidden meaning: "I am safe and my future is guaranteed!" " "

Nobody wants to get sick, and nobody wants to have an accident. However, we need to prepare a living guarantee for our future. At the very least, someone else will pay the bill when you are sick, and you don't need to be depressed to pay a large amount of medical expenses.

Teach you how to choose insurance reasonably.

Women's demand for insurance is increasing, but many women are often confused when buying insurance, and they don't know what kind of insurance is suitable for them. Then pay attention to several major insurance misunderstandings.

Myth 1: Always ignore yourself.

For many women who already have small families, their life focuses on their children and husbands. People in the insurance industry told reporters that many women are more concerned about what insurance to buy for their children when consulting insurance agents. What insurance should I buy for my husband? In ordinary urban families, both husband and wife have to work, which is the main source of family economy. Women should not only be independent at work, but also bear important responsibilities in family life. You can imagine the pressure. Once something happens to women, it will also have an economic impact on family life. Therefore, female friends who play different roles should first care about themselves and plan their health and life.

Myth 2: The insured products are not balanced.

Some female friends are not considerate enough when choosing insurance products, and do not refer to their original commercial insurance and social security, resulting in unbalanced insurance products. They don't care what they should, but what they have. Therefore, when choosing insurance products, you should first know the coverage and insurance liability of your original policy in detail, make a policy review, see what is not involved, and then make targeted supplements.

Myth 3: The medicine is wrong.

When many women invest in health insurance, they don't consider the health status of their family members, ignore the attention to the diseases that are easy to get sick and high-risk, and focus on the diseases with little chance of getting sick, which may not be worth the candle. For some women with good genetic status, it is not necessary to cover all diseases, adjust the insurance amount appropriately, and fully prepare for pensions. Women who may suffer from familial hereditary diseases should pay attention to their own risk of serious illness and choose health insurance that can be converted into dividends.

Myth 4: Do not consider your own economic and financial situation.

When some women choose insurance, they do not consider their own economic and financial situation, blindly choose insurance products with long cycle, and do not consider possible changes in the future. When choosing insurance, you should have a clear grasp of your future five years. In terms of payment methods for insurance, for some important diseases, the payment period is set at 20 years, while for financial insurance, the payment period can be set shorter.

Myth 5: Insurance for cosmetic surgery

Many women who love beauty want to change their appearance through plastic surgery. In order to prevent possible accidents during plastic surgery, they want to buy insurance first, so that they can get compensation in case of accidents. But in general life insurance (except special insurance), the risk of plastic surgery is not the responsibility of the insurance company. Because the accident risks insured by insurance companies are completely unknown and unpredictable, and the risks of plastic surgery can be expected. Of course, skin grafting is needed after accidental skin burns, and surgery after nasal bone fractures is covered by insurance.

Myth 6: it will not spread risks.

Compared with men, women have conservative investment ideas and weak psychological endurance. Therefore, the choice of financial tools is relatively simple. Most female friends only do bank savings and dare not invest or buy insurance easily. However, reasonable financial management should spread risks and gain benefits. Use the funds in different investment channels, such as 10% bank savings, 20% insurance and 40% other wealth management products. , through financial planning in line with personal characteristics, to obtain a guaranteed life and expected income goals.

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.