The premium of critical illness insurance is several million or even tens of thousands, but we only need to buy those products that are the simplest to protect diseases. Generally, these pure serious diseases include extra payment for serious diseases (such as extra payment of 30% at the age of 60), moderate diseases (two payments) and mild diseases (three payments). Different products will also have different special guarantees (extra compensation for cardiovascular and cerebrovascular diseases, extra compensation for children's specific diseases) and so on. These are all those hodgepodge insurance products that don't have. This kind of critical illness insurance, which only covers diseases, is estimated by a 30-year-old healthy male, and it is about 5000 a year.
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