单身期的一般特点是年纪轻、身体好,经济收入不高但花销较大,没什么经济压力,所需承担的经济责任比较少。这个阶段的保险需求不高,养老保险可以暂缓考虑,等收入比较稳定时再根据财力购买。主要可以考虑意外风险保障和必要的医疗保障,以减少因意外或疾病导致的直接或间接经济损失。因为社会统筹并不能完全保障疾病的开支,而是采用了封顶的方法,其最高限额仅为当年社会平均工资的4倍左右,远远起不到保障的作用。而且,这类保险保费低、保障高,且一般公司都会为员工提供。但你需要检查一下保障是否充分,衡量的标准是保额应高于你年收入的3倍。险种搭配可搭配险种有:1.终身型保障寿险;2.可附加定期险;3.意外重大疾病险;4.附加健康医 The general characteristics of single life is young, good health, economic income is not high but spend more, no economic pressure, the economic responsibility required to bear less. Insurance needs at this stage is not high, pension insurance can be suspended to consider, and other income when more stable and then purchased according to financial resources. Mainly consider accidental risk insurance and the necessary medical insurance to reduce direct or indirect economic losses caused by accident or illness. Since social pooling does not fully guarantee the expenditure on diseases, it adopts the method of capping. The maximum ceiling is only about 4 times of the average social wage of that year, far from the role of guarantee. Moreover, such insurance premiums low, high security, and the average company will provide employees. But you need to check whether the protection is adequate and the measure is that the sum insured should be more than three times your annual income. With the types of insurance can be collocated with: 1. Life-long protection of life insurance; 2. Can be attached to regular insurance; 3. Accidental major illness insurance; 4. Additional Health