Want to buy critical illness insurance, is there anything worth buying in critical illness insurance?

I think China PICC critical illness insurance, such as carefree life 20 12, health insurance and peace of mind for all diseases, is worth buying. Many people are more and more aware of insurance and are willing to buy more commercial insurance for themselves as a guarantee. In fact, this idea is really good, but for many insurance whites, they simply don't know how to buy critical illness insurance. I think this product of China PICC 20 12 is very good. It is a relatively new product, with a wide coverage and a variety of payment years, which is more flexible than other insurances. At the same time, this insurance has also increased the protection of China's diseases.

First, insurance coverage is longer.

Most of the critical illness insurance on the market is about 55 years old. This is because the older you get, the more likely you are to suffer from major diseases. However, the maximum age of this kind of insurance is 65, which gives more elderly people the opportunity to buy critical illness insurance.

Second, the payment term is optional.

There are many options for the payment period of this insurance. For example, you can choose 20 or 30 years, but the payment amount is different. We can choose the payment period that suits us according to our economic situation. Some insurances may only have a fixed payment period of 10 or 20 years, which is relatively not so flexible.

Third, increase China's disease compensation.

Some critical illness insurance only covers serious illness, and once it is diagnosed as moderate or mild illness, it is not within the scope of claims. In fact, this kind of insurance is not comprehensive. We should choose insurance that includes China's disease. In this insurance, the threshold of compensation for moderate diseases is lower than that for minor diseases, while the proportion of compensation is higher than that for minor diseases. But from this point of view, it is more practical than other critical illness insurance. Moreover, the critical illness protection of this insurance is a one-time payment of 50%, which is a very mainstream standard in the market.