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What is the coverage of critical illness insurance?
It is understood that the coverage of enjoying the critical illness insurance is fixed, and the insured can choose to insure 50,000 yuan, 6.5438+0.5 million yuan, 200,000 yuan, 300,000 yuan and 400,000 yuan. Therefore, the insured amount is determined according to the insured's own needs. Then, how much is appropriate to enjoy a healthy critical illness insurance?
The coverage of critical illness and critical illness insurance is also determined according to needs. Therefore, when applying for insurance, it can be decided according to the current level of medical expenses for major diseases. For example, the treatment cost of malignant tumor is generally between 500,000 yuan and 200,000 yuan, and the average cost is 6,543,800 yuan+0.2 million yuan. Chronic renal failure, also known as uremia, is 55 thousand a year, with an average of 80 thousand. It can be seen that the average cost of treatment for major diseases is generally 654.38+10,000 yuan, so when purchasing the health insurance for critical illness, the insurance coverage should reach at least 654.38+10,000 yuan, so as to play the most basic role in protecting against risks. What are the good recommendations for critical illness and critical illness insurance? I just sorted out the relevant contents, hoping to help you: take stock of the "worth buying" critical illness insurance of the top ten insurance companies!
Why is it the most basic guarantee? This is because it is easy for the insured to ignore other effects of major diseases on the family economy. For example: income loss caused by long-term sick leave or resignation due to illness, fixed expenses such as nutrition expenses, nursing expenses, mortgage and car loans during rehabilitation, and fixed expenses for normal family life and operation. Therefore, when purchasing critical illness insurance that enjoys health, it is recommended that the coverage be between 200,000 yuan and 300,000 yuan. People who are not sure about the estimated insurance amount can also decide the insurance amount according to their annual income. Experts suggest that the insurance coverage should be 6 to 10 of the annual income.