The difference between sickness insurance and critical illness insurance

Both sickness insurance and critical illness insurance belong to the category of health insurance, the difference is that the former covers a wide range, while the latter is insurance that provides corresponding protection for diseases according to contracts. It can be understood that critical illness insurance is a kind of disease insurance, but disease insurance does not specifically refer to critical illness insurance.

Before entering the relevant evaluation, you can have a general understanding of insurance: before buying insurance, you must first understand these key knowledge points!

& gt& gt What is sickness insurance?

Sickness insurance refers to the insurance in which the insured loses income and expenditure due to illness or childbirth, or dies or is disabled due to illness or childbirth, and the insurer assumes the responsibility of paying insurance benefits according to the insurance contract.

Critical illness insurance belongs to the category of illness insurance. When we talk about sickness insurance, we usually refer to critical illness insurance.

& gt& gt What's the use of critical illness insurance?

When the insured suffers from an agreed disease or agreed situation (such as death or total disability), the critical illness insurance can pay the corresponding insurance money to the insured or the policy beneficiary under the condition of meeting the payment standard, so as to transfer the economic risks caused by the disease, death or total disability (if there is such protection).

About critical illness insurance, this article is more comprehensive: which is good for critical illness insurance, how to buy it cost-effectively, and teach you to avoid these pits of insurance.

& gt& gt How to buy critical illness insurance?

If you want to buy a good critical illness insurance, you can start with the content.

Three basic guarantees, namely, serious illness, moderate illness and mild illness, will be covered by high-quality serious illness insurance, and a higher proportion of compensation will be set (for example, extra compensation for serious illness and extra compensation for minor illness, etc.). ); Many critical illness insurances will set up secondary compensation for high-risk critical illness (such as cancer secondary compensation) to improve the comprehensive protection for high-risk critical illness.

There are many high-quality critical illness insurances in the market. For example, these models are very worthy of our attention: the top ten popular critical illness insurance stocks worth buying.

Hope to adopt

The same number on the whole network: Xueba said insurance, welcome to search!