How to buy Ping An health insurance and how to choose Ping An health insurance

When purchasing health insurance, priority should be given to the most urgently needed products. The greater the risk, the more priority should be given to insurance companies. Those with less risk can be selectively retained. Selection skills: targeted, on-demand insurance. There are many kinds of cancer insurance and critical illness insurance products in the market, including consumption type, premium return type, incremental return type and multiple guarantee return type, which are mainly divided into consumption type and return type. Among them, consumer critical illness insurance is mostly regular, such as 1 year or guaranteed to a certain age, and the premium is relatively low and cost-effective, but if there is no danger, the premium will not be returned; The premium of returned critical illness insurance is relatively high and the guarantee period is long. It can be guaranteed for a fixed period or for life. When the contract expires, the principal is returned or the principal plus certain interest, and some of them also have certain financial management functions. In addition, in addition to the six "core diseases" and 25 major diseases defined by China Insurance Association, there are some differences in the specific coverage of critical illness insurance offered by different insurance companies. In terms of specific choices, consumers can choose to buy according to their own economic conditions and needs, and there is no need to blindly pursue "luxury", and then gradually increase protection when the economy has spare capacity.