Hello! Return insurance, that is, savings insurance, refers to the insurance company returning the premium paid or the insurance amount agreed in the contract after the insured has lived for an agreed number of years. There are many types of return insurance and many health insurance products can be returned. As for how consumers can buy refundable health insurance products that suit them, I suggest that you can carefully compare and choose according to your own protection needs.
How do consumers choose refundable health insurance products that suit them?
1. Choose an insurance company with sound financial position and strong strength. Customers can know the solvency of insurance companies according to the evaluation results of authoritative rating agencies, as well as the annual reports and major announcements published by insurance companies.
2. Find out the diseases that can be compensated by health insurance, and only those who suffer from the circumstances stipulated in the contract can get the compensation agreed in the contract.
3. The insured must insure against threatening diseases, not blindly. Choose according to your age and needs.
4. When you apply for health insurance, you should pay attention to telling the medical history of the insurance company truthfully.
5. Economic affordability. At present, a standard health insurance on the market is more expensive, which should be considered according to the family's economic income.
In short, I remind you that different companies have different health insurance product guarantees. When purchasing the surrender-type health insurance products that suit you, you must pay attention to the choice according to the risks you face.