Hello! It is an insurance that takes the insured's body as the subject matter of insurance, so that the expenses or losses incurred by the insured due to illness or accidental injury can be compensated. Health insurance is divided into sickness insurance, medical insurance and income security insurance according to insurance liability. So, does critical illness insurance belong to the category of health insurance? be
Matters needing attention in purchasing critical illness insurance:
1, the age meets the insurance requirements, and cannot be over or under the insurance age stipulated in the policy.
2, the body must be healthy, if the body is not healthy enough, or has been hospitalized, it needs to be explained in the health survey column of the policy, otherwise if you have a disease before the insurance, deliberately conceal it, the insurance company can pay less, avoid compensation or even not refund the money at all.
People over the age of 3.50 basically need a physical examination when they apply for critical illness insurance, so they should apply for insurance as soon as possible, and can't wait until they are tired.
The critical illness insurance products of different companies have different characteristics and functions, including pure protection (relatively low premium); Most of them are dividend-paying life insurance (cash dividend or insured dividend) combined with serious illness. Therefore, if you want to choose a suitable critical illness insurance, you should choose it according to your own situation.