Whether Insurance is necessary for youngsters？

IrisLing

   I applied a credit card of China Merchants Bank Corp. when I was a junior. Earlier this year, the staff from their Customer Service Department recommended me an insurance and persuaded me to purchase one. Well, just one hour ago, another staff of China Merchants Bank Corp. recommended me another insurance. I purchased again. The two insuances cost me almost ￥200 every month. To be frank, it is not every experience. However, I am really confused on the issue: whether I should buy these insurances esp. in such young stage.  I just graduated from university and hardly get sick.

Pls give me some advises or tell me some own thoughts about this issue. Thanks a lot!

julyfancy

As the saying goes 'get prepared before too late',and fate plays cruel tricks sometimes.So,it won't be a harm to buy insurance.But if you want the money to be worthy,you have to invest wisely.You'd ask some advices from professionals first.

Jenny7

To purchase insurance symbolizes the sense of safety. Anyway the future is unpredictable. I think it is not a big deal if you can afford it.

IrisLing

It seems that u all agree to purchase insurances. However, we are still young. Have u caculate how much money we waste on insurances if we always healty?

julyfancy

IrisLing: It seems that u all agree to purchase insurances. However, we are still young. Have u caculate how much money we waste on insurances if we always heal

that's why you have to invest your money wisely.we always spend money to get sth...if you get what you want you cann't say you are wasting money.and professionals can make you be clear about what you need or want...always get enough informaiton before you act...

IrisLing

julyfancy: that's why you have to invest your money wisely.we always spend money to get sth...if you get what you want you cann't say you are wasting money.and p

Really appreciate your wise suggestions!