Under the new regulations, we evaluated more than a thousand critical illness insurance products, and screened out the ten best critical illness insurance products on the market. The new definition of serious illness ranking is announced! The first place is it! 》
Consumer health insurance
Simply put, it is to get higher protection at a lower premium, usually term insurance, which can be adjusted flexibly, but the disadvantage is that the premium is not refundable. The premium is low, which is suitable for people with limited premium investment and young people with scattered investment and guaranteed savings.
Returned health insurance
This insurance has two functions: risk protection and capital preservation of savings, and can return premiums as old-age security. Disadvantages are long insurance period and high cost. Therefore, it is suitable for people with a certain economic foundation to buy.
Consumer insurance is suitable for young people with good insurance awareness, scattered investment and limited premium investment. For people over 35 who have no good investment ability and good economic conditions, it is a good choice to buy return insurance.
Generally, after the age of 35, the low-cost advantage of consumer insurance is no longer obvious. After the age of 40, the premium of consumer critical illness insurance has increased substantially, and the cost of re-insurance consumer critical illness insurance is too high. Therefore, we can match consumer insurance and return insurance, and arrange the protection plan reasonably according to our own needs.
Civil Insurance is an intelligent insurance consulting service platform based on artificial intelligence technology, which provides users with mobile terminals and focuses on insurance evaluation and analysis. It has solved all insurance problems for tens of thousands of families. "heavy! The new definition of serious illness ranking is announced! The first place is it! 》