(1) critical illness insurance
Critical illness insurance is mainly to treat people with diseases. Children, teenagers and middle-aged and elderly people are all suitable for purchase. The sooner you insure, the more cost-effective.
When choosing a product, you should pay attention to the following points:
1, light, moderate and severe illness protection should be complete.
It is not enough to have serious illness protection, and excellent serious illness insurance products also need to protect mild and moderate diseases. At the same time, we should also pay attention to whether we can protect as many mild and moderate diseases as possible, so that the probability of the insured getting compensation will increase. However, the number of serious diseases cannot be an important criterion to judge whether a product is good or not. The new regulations on critical illness insurance stipulate that all critical illness insurance must have 28 high-risk critical illnesses. It can be said that high-risk diseases have been well protected, therefore, it is of little significance to protect 100 or10 diseases for critical illness.
2. Choose adequate insurance coverage.
Judging from the current economic situation, it takes about 300 thousand to treat serious diseases. If you want better treatment, the cost must be more than 500 thousand yuan. Therefore, when purchasing critical illness insurance, it is recommended to purchase a minimum of 300,000 yuan, which is in line with the basic standard of treatment amount. If you have plenty of money, you can increase the insurance coverage in the future. How much protection should I choose to buy critical illness insurance? You can poke this article to find out:
Teach you to choose the right amount of insurance.
3. It is best to have extra points such as multiple compensation for cancer
In addition to the common protection of the insured's death and exemption, critical illness insurance also has the advantage of multiple compensation for cancer, and the protection will be more comprehensive. More comprehensive suggestions on critical illness insurance are all in this summary. Hurry to collect this full dry goods:
The most worthwhile new definition of critical illness insurance is actually these ten models! 》
(2) Medical insurance
Medical insurance is mainly a supplement to medical insurance and has the function of reimbursement.
When choosing a product, there are several things to pay attention to:
1, pay attention to the safety content.
Common medical behaviors such as special outpatient service, outpatient operation, general hospitalization and serious illness hospitalization, and emergency before and after hospitalization are all included in the basic medical insurance responsibility. For example, an excellent million-dollar medical insurance, of course, the more comprehensive the coverage, the better, so it also means that we can enjoy more reimbursement coverage and reimburse more medical expenses during hospitalization.
2. See renewal conditions.
When choosing medical insurance, we suggest that you first choose products with friendly renewal conditions or guaranteed renewal. A good medical insurance usually won't refuse to renew the insurance or raise the premium because of the insured's poor health or claims.
3. Pay attention to value-added services
There are also many practical value-added services, such as advance payment of hospitalization expenses, green link for medical treatment, proton heavy ion reimbursement and so on. Of course, the more the better. If you don't know much about medical insurance value-added services, the following article has what you want to know:
You must understand the "value-added services" in medical insurance! "Write at the end.
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