(1) critical illness insurance
Critical illness insurance is mainly to treat people with diseases. Generally suitable for people under 60 to buy. The sooner you insure, the more cost-effective.
Pay attention to the following points when choosing critical illness insurance:
1, light, moderate and severe illness protection should be complete.
It is not enough to protect the seriously ill. An excellent product also needs to protect mild and moderate diseases. The more diseases with high incidence, mild illness and moderate illness, the better, so that the insured can get claims more easily. However, whether the product is good or not can't just focus on the number of diseases. The newly implemented new regulations on critical illness insurance point out that all critical illness insurance must have 28 high-critical diseases, which means that most of the high-critical diseases in Jedi are covered. Therefore, it is of little significance to ensure the critical illness 100 or10 diseases.
2. Choose adequate insurance coverage.
At present, it generally costs about 300,000 yuan to treat a serious illness. If you want to use better drugs and experts, you need to spend at least 500 thousand yuan. Therefore, when choosing critical illness insurance, it is recommended that the insured amount should be at least 300,000, and the minimum amount should reach the lower limit of the treatment standard. If economic conditions permit, the guarantee amount can be expanded. Buying insurance means buying insurance coverage, so how much coverage should I buy for critical illness insurance? Let's take a look at this article: "guaranteed class! Let you get more adequate protection. "
3. It is best to have extra points such as multiple compensation for cancer
A critical illness insurance, in addition to the basic protection of the insured's death, exemption, etc., will also highlight the bonus items such as multiple claims for cancer, making the protection more comprehensive. More detailed suggestions on critical illness insurance have been summarized, all of which are treasures. Hurry to collect: "The new definition of critical illness insurance is actually these ten models! 》
(2) Medical insurance
Complementing medical insurance is medical insurance, which can also be reimbursed.
When choosing a product, there are several things to pay attention to:
1, pay attention to the safety content.
Medical insurance can guarantee hospitalization, special outpatient service, outpatient operation, emergency before and after hospitalization and so on. For example, an excellent million yuan medical insurance, the richer the coverage, the better, because it is beneficial to consumers, which means that our reimbursement scope is wider and we can reimburse more medical expenses.
2. See renewal conditions.
When choosing medical insurance, products with relaxed renewal conditions or guaranteed renewal are more worth choosing. A good medical insurance usually won't refuse the insured's renewal application or raise the premium because of the insured's poor health or the completion of claims settlement.
3. Pay attention to value-added services
Some value-added services are still very practical, such as advance payment of hospitalization expenses, green link for medical treatment, proton heavy ion reimbursement and so on. And the more the better. Want to know more about value-added medical insurance services, please click below to get more content: "Super full! Knowledge list of "value-added services" in medical insurance.
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