1. The first thing to look at when buying critical illness insurance is its coverage, and it is best to be able to combine your own situation and estimate the risk of morbidity before deciding what kind of insurance is most suitable. The second thing to look at is the duration of coverage. As you get older, the incidence of major illnesses will increase. Premiums are cheaper at a younger age than at an older age, so don't choose a short-term insurance policy just for the sake of getting it cheaper.
2. Regarding the proportion of premium expenditure on critical illness insurance, an important principle is that it will not have an impact on the current standard of living. It is recommended to be 7-10% of the annual income of the family, and the percentage can be appropriately reduced in case of financial constraints. For the average family, usually to the current cost of treatment of common major diseases, combined with the modern medical system to consider.
3. Affordability: In the current market, a standard critical illness insurance is relatively expensive. If you choose a term insurance (the coverage time can be 10 years, 20 years, etc.) or additional insurance is relatively cheap. In addition, consumers can also choose some specialized insurance. And for a customer with a stable income, the insurance premium payment period, the longer the choice of payment period the better.
4. It is recommended to choose the last item, which can maximize the diversification of risk.
5. In addition to considering their own protection needs and affordability, policyholders should also carefully distinguish between the types of illnesses they are insured against and the exclusions, as well as fill in the information required to protect their rights and interests, such as their own physical condition and past medical history. If you want to buy health insurance for your mother who loves square dancing, we have a variety of women's health insurance products that are suitable for your mother, so you are welcome to make a comprehensive comparison. Taikang e Shun female disease insurance Coverage: * Breast cancer insurance benefits, female specific cancer insurance benefits, etc. * Special coverage for female carcinoma in situ * Accidental facial plastic surgery insurance benefits as low as: $ 100 Hoped for the regular major disease coverage: * Maximum optional 300,000 critical illnesses cancer protection * death immediately pay 300,000 yuan of insurance benefits * total disability waiver, the protection of the more peace of mind the minimum monthly cost: $ 20