Is it necessary to buy China life insurance and health insurance?

China Life currently has some health insurance products on sale. Whether it is necessary to buy, we should start from the actual situation such as our own security needs and premium budget, and combine the specific performance of the product to decide, and we can't generalize. For example, China Life's life-long critical illness insurance (version 202 1, paragraph C) provides the protection responsibility of critical illness insurance, additional insurance for specific major diseases and death insurance. In fact, good critical illness insurance also covers the protection of mild/moderate diseases corresponding to high incidence and serious illness, and the corresponding proportion of these two guarantees should reach 30% and 60% of the basic insurance protection respectively. How can I buy a good critical illness insurance? Look at this article and you will understand: good critical illness insurance is like this! You have been cheated for so many years. ...

In addition to critical illness insurance, millions of medical insurance is also a kind of health insurance that we need to buy. Millions of medical insurance mainly reimburses some expenses that are not reimbursed by social medical insurance. Generally, the specific reimbursement ratio is determined according to whether there is social insurance reimbursement. When we apply for insurance, we need to pay attention to many aspects, such as guarantee responsibility, deductible, whether to guarantee renewal, etc. But in addition to health insurance, accident insurance is also an essential insurance for each of us. When buying accident insurance, you can pay attention to whether the product provides accidental medical care and sudden death protection. If you don't know what kind of insurance you should buy, then this article can give you some ideas: There are so many types of insurance, which one should I buy first?

In fact, we don't have to be limited to one insurance company to buy insurance. As long as it is an insurance company registered and established in our mainland, it is very reliable, because behind it is the strict examination and supervision of the China Banking Regulatory Commission. So you can shop around and choose the most suitable product for insurance after comprehensive consideration. Like Tongfang Universal Versailles plus and League of Nations Life Darwin 7, they are all very good critical illness insurance products. Senior has made a detailed evaluation before. Let's take a look at the excellent critical illness insurance: Versailles plus critical illness insurance has returned heavily, so you must look at the in-depth evaluation before buying!

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