Critical illness insurance, namely critical illness insurance, refers to the commercial insurance for certain major diseases, such as malignant tumor, acute myocardial infarction, stroke sequelae, etc., handled by insurance companies. As a protective item. When the insured suffers from the above diseases, the insurance company will pay a fixed amount of compensation according to the insurance amount agreed in the contract.
Health insurance, the Chinese abbreviation of health insurance, refers to the insurance that insurance companies pay insurance money for losses caused by health reasons through sickness insurance, medical insurance, disability income loss insurance and nursing insurance.
2, the scope is different
Generally speaking, the insured of critical illness insurance in health insurance can participate as long as their age meets the requirements, but the amount paid by men and women is different, and men are higher than women. With the intensification of competition in the insurance market, critical illness insurance for men, women and children has appeared in the market.
The diseases covered by this product should include malignant tumor, acute myocardial infarction, apoplexy sequelae, coronary artery bypass grafting (or coronary artery bypass grafting), major organ transplantation or hematopoietic stem cell transplantation, end-stage renal disease (or uremia stage of chronic renal failure).
3, the time is different
Give priority to the protection of serious illness and give protection within a certain period of time. Generally, the balanced premium is adopted. The maximum duration of this critical illness insurance is 30 years. If you buy it at the age of 20, you can only keep it until you are 50. If you buy it at the age of 30, you can only keep it until you are 60, not for a day. It should be noted that although this kind of insurance is the main insurance, it also belongs to the consumption type, and it is impossible to return the premium without paying the claim.
The serious illness of health insurance is not an accident, regardless of age. The critical illness insurance should be a lifetime insurance, and it is a cost that must be calculated in life. The liability period of critical illness insurance should cover a lifetime, and it is recommended to keep it at least until the age of 70.
Baidu encyclopedia-health insurance
Baidu encyclopedia-critical illness insurance