There is no conflict between the two. The contents of critical illness insurance and medical insurance are different. You can look at this photo:
It is generally recommended to buy medical insurance before buying commercial medical insurance. Medical insurance is the most basic guarantee, which has a very prominent point: low insurance requirements and low prices. Commercial medical insurance is a supplement to medical insurance, covering all items that cannot be reimbursed by medical insurance, such as the cost of high-end treatment, imported drugs, special medical care and so on.
There are many kinds of medical insurance, such as millions of medical insurance, hospitalization medical insurance and cancer prevention medical insurance.
Let's talk about the differences between the three in detail:
1, millions of medical insurance
Almost every age group is suitable for buying millions of medical insurance, because it is low in price, high in reimbursement amount and unlimited in reimbursement of diseases. The annual premium is only a few hundred yuan, but it is really worthwhile to get millions of reimbursement. In addition, it also has a very comprehensive protection content, such as bed fee, nursing fee, operation fee, medicine fee, material fee and so on. , can be reimbursed.
Let me analyze several representative millions of medical insurance for you:
According to the picture, we can know.
(1) Good medical insurance: Its biggest highlight is the 6-year renewal guarantee, which is unmatched by many products. In these six years, you can renew your insurance anyway.
(2) Enjoy E-health: increase postoperative home care, special medical services for cancer, and increase the option of family deductible.
(3) Micro-medical insurance: Compared with the other two models, this model has an additional value-added service: international secondary diagnosis and treatment.
As can be seen from the above, each product has its own highlights, and everyone can choose to buy according to their own safety needs.
In addition to these, there are many cost-effective millions of medical insurance to choose from. Friends who want to know more about products can look at the original evaluation: "Conscience Amway! Top ten popular million medical insurance is worth buying! 》
2. Hospitalization medical insurance
The main features of this kind of medical insurance are low deductible and reimbursement. This kind of insurance is mainly used for outpatient reimbursement, and younger babies or older people buy more. Because children and the elderly have weak immunity, they are more likely to catch a cold and catch a cold. Relatively speaking, this kind of insurance has a greater effect on them.
3. Cancer medical insurance
At present, the vast majority of millions of medical insurance and hospitalization insurance on the market are insured at the age of 0-60. Older people cannot be insured, but they can be insured against cancer.
The coverage of cancer insurance is relatively narrow, and it only provides protection for cancer stipulated in the contract. The age range of this insurance is relatively wide, and people in their 70s can buy it, and the health notification is also relatively loose. This insurance is more suitable for the elderly or people with minor illnesses.
This price is greatly influenced by physical fitness and age. Here are some anti-cancer medical insurance worth buying, and friends in need can collect it: "cost-effective! Ten anti-cancer medical insurance worth buying! 》
Hope to adopt!
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Source: "How to buy long-term critical illness insurance and how to choose short-term medical insurance for health insurance"-Xueba said insurance network