1. If you have the financial ability, you can invest and consider buying regular critical illness insurance. "Buy a fixed profit" is a good choice for you. 2. If you have no financial ability, no investment and some spare money, you'd better buy lifelong critical illness insurance. If you think that you can give up treatment if you have a serious illness after 70, then buy regular critical illness insurance. 4. If you have limited financial ability, but want to get full protection when you are young, you can combine lifelong critical illness insurance regularly, so that the economic pressure will not be too great, and every stage can be guaranteed. Ping An Health Insurance Double Eleven Activity Time:11.9-11.15.
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.