Common medical insurance in the market includes millions of medical insurance, small medical insurance, cancer prevention medical insurance and high-end medical insurance.
Generally speaking, you can consider taking out millions of medical insurance first, because the coverage of millions of medical insurance is relatively high and the premium is acceptable to most people. Millions of medical insurance products are basically 1 0,000 deductible, so we can supplement small medical insurance and solve some outpatient medical expenses.
This is just to provide an insurance idea, and only after analysis can we choose the right product. To be on the safe side, we can consult an insurance consultant first, who can help you analyze the purchase:
What should I pay attention to when buying medical insurance?
1, high-end medical insurance and cancer prevention medical insurance
It should be noted that although the coverage of middle and high-end medical insurance is wider and the insured amount is higher, the corresponding premium is also more expensive. Therefore, we should not only pursue high-level protection, but also choose the appropriate type of medical insurance products according to the actual economic situation.
The protection of anti-cancer medical insurance is limited, only providing cancer-related protection, but its insurance conditions are loose and the insurance age range is relatively large. Some elderly people who are in poor health and can't buy millions of medical insurance when they are old can try to apply for anti-cancer medical insurance to transfer the economic risks when they get cancer.
2. Health notification
Commercial medical insurance usually has strict health notification items. Before insurance, the insurance company will ask the insured to do health problems. As long as there is any doubt about whether he has some kind of disease or any physical condition, we should tell him truthfully. And don't ask the content, don't take the initiative to speak.
3, renewal conditions
In addition, the guarantee period of most commercial medical insurance in the market is 1 year, so after one year of insurance, it will face the problem of renewal.