(1) critical illness insurance
The nature of critical illness insurance is used to treat major diseases, and it is suitable for children, young people and middle-aged people. The sooner you buy insurance, the cheaper it is.
Pay attention to the following points when choosing critical illness insurance:
1, light, moderate and severe illness protection should be complete.
An excellent critical illness insurance should cover mild and moderate diseases and ensure the high incidence of 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, which increases the probability of claims. However, the number of serious diseases cannot be an important criterion to judge whether a product is good or not. The state stipulates that each insurance company's critical illness insurance product must contain 28 high-risk critical illness, which has covered most common high-risk diseases. For this reason, whether it is 100 or 80 diseases covered by critical illness insurance, they are actually similar.
2. Choose adequate insurance coverage.
At present, the cost of treating serious diseases mostly fluctuates around 300,000. Only in this way can there be a more effective treatment plan, and the treatment cost of more than 500,000 yuan can be guaranteed. Therefore, when choosing critical illness insurance, it is recommended to buy at least 300,000 insurance coverage, at least to meet the most basic treatment standards. If the economic conditions are better, the guarantee amount can be increased. How much protection should I choose to buy critical illness insurance? Please refer to this article: "Teach you to choose the right amount of insurance"
3. It is best to have extra points such as multiple compensation for cancer
A good critical illness insurance is not only the common protection of the insured, such as death and exemption, but also the advantages of multiple compensation for cancer, which will be better and more comprehensive. More detailed critical illness insurance suggestions are all in this summary, all of which are dry goods. Don't miss it: "Ten new definitions of critical illness insurance, cost-effective pk! Never lose money after reading it! 》
(2) Medical insurance
Medical insurance is mainly supplementary medical insurance, which can reimburse expenses.
Pay attention to the following questions when purchasing:
1, pay attention to the safety content.
General hospitalization, serious illness hospitalization, special outpatient service, outpatient surgery, and emergency treatment before and after hospitalization are all included in the basic scope of medical insurance. A million-dollar medical insurance with superior terms, the richer the coverage, the better, so it also means that we can enjoy more reimbursement coverage and more expenses can be reimbursed during treatment.
2. See renewal conditions.
When choosing medical insurance, it is recommended that you first choose products with friendly renewal conditions or guaranteed renewal. In other words, an excellent medical insurance product will not refuse the insured's renewal application or raise the premium because of the insured's poor health or claims.
3. Pay attention to value-added services
For example, there are some practical value-added services, such as prepaid hospitalization fees, medical services, proton heavy ion reimbursement and so on. The more, the better. If you want to know more about the value-added services of medical insurance, please click below to get more content: "About the value-added services in medical insurance, you must know these! 》
Write it at the end
I am an expert in insurance, focusing on objective, professional and neutral insurance evaluation;
If the above content has not solved your problem, you can also come to the official account of WeChat to learn to bully and say that insurance consulting me;
I give you the most professional advice based on many years of experience in configuring insurance for 10W+ families.
WeChat official account: Xueba said that insurance costs less, buy the right insurance!