It seems that there are still quite a lot of whites. Senior sisters must make it clear to them today that there is a difference between health insurance and critical illness insurance!
1. What is health insurance?
Health insurance is actually health insurance, which is closely related to the health of the insured. The insurance company will pay the insurance premium for the loss caused by health. Health insurance is mainly divided into sickness insurance, medical insurance, disability income loss insurance, nursing insurance and medical accident insurance.
In the course of life, we all have the possibility of being attacked by diseases. The economic pillar of the family bears the burden of the family. Being sick not only costs money, but also affects income. Children have low immunity and are prone to illness; The elderly have aging physical functions, and the probability of getting sick is not low. So you need to buy a health insurance at any age.
Our most common million medical insurance belongs to the medical insurance in health insurance, which can reimburse some reasonable and necessary medical expenses. Friends who are interested in millions of medical insurance, please take a look at this product list carefully compiled by senior sister:
The latest 10 million medical insurance rankings are freshly released! 》
2. What is critical illness insurance?
Critical illness insurance is also called critical illness insurance. When the insured suffers from a serious illness as agreed in the contract, the insurance company will pay the insurance money as agreed. The major diseases that are usually easy to get are malignant tumors-severe, severe third-degree burns, multiple limb loss and so on. If a major disease occurs, not only will the treatment cost be unbearable. Because this disease needs long-term treatment, it is likely to face various rehabilitation costs in the future. Critical illness insurance claims do not need a list of treatment expenses, as long as they meet the conditions stipulated in the contract, they can directly claim the agreed insurance money. If it is the main source of family income, then the money can also be used to make up for the loss of income.
Everyone has a 72% chance of getting a serious illness in his life. Therefore, everyone should buy more critical illness insurance within their own ability.
Having said that, some friends must be curious. What kind of critical illness insurance has high cost performance? If you can't make up your mind, you might as well look at these materials compiled by senior sister:
"Top Ten Hot Critical Illness Insurance Inventory Worth Buying! 》
3. What's the difference between health insurance and critical illness insurance?
As mentioned above, health insurance is closely related to physical health, so critical illness insurance actually belongs to health insurance, which is a disease insurance in health insurance.
The difference between the two is that health insurance covers a wider range, and there are many types of insurance, but critical illness insurance is one of them, and the scope is not large.
Under normal circumstances, in the process of purchasing health insurance, you may wish to choose to set up critical illness insurance+million medical insurance together.
Although both are health insurance, they play different roles. As a kind of reimbursement insurance, millions of medical insurance has a relatively high coverage, usually millions. The expenses that can be reimbursed are reasonable medical expenses such as hospitalization emergency, special outpatient service, outpatient emergency service before and after hospitalization, and we need to provide a list of expenses to apply for compensation from the insurance company.
As a kind of payment insurance, critical illness insurance can compensate a lot of money no matter how much money is paid for treatment. There may be hundreds of thousands of cash in the bank card at that time.
Therefore, medical insurance is often a one-year guarantee period, which is particularly easy to cause renewal problems, while the vast majority of critical illness insurance is long-term insurance for more than ten years, which can ensure high stability. The premium of medical insurance is lower than that of critical illness insurance. In short, starting with critical illness insurance and millions of medical insurance can effectively cover the cost of disease treatment and rehabilitation and the loss of income caused by serious illness.
If you still don't understand the difference between critical illness insurance and millions of medical insurance, or are still struggling to buy which one is good, take a look at the following in-depth analysis report:
In-depth analysis: which one needs to buy more, million medical care or critical illness insurance? 》
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