I. critical illness insurance
The essence of critical illness insurance is "income loss insurance", not to mention the payment type. If you are seriously ill, the insurance company will compensate you directly. This money can not only make up for the loss of income, but also be used for various expenses at home, and the economic pressure of the family can be temporarily alleviated.
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Second, medical insurance.
Due to the limitations of medical insurance, we have to buy medical insurance as a supplement. It is recommended to buy a million-dollar medical insurance with low premium, high insurance coverage and full protection, which can be bought at only a few hundred dollars. If you don't know how to choose this kind of medical insurance. Here is a dry food for you: do you have any good medical insurance recommendations? 20 Best-selling Medical Insurance Inventory in 2020
However, it is necessary to pay more attention to health insurance that meets our own needs:
1. Pay attention to health notice
Only by meeting the requirements of health notification can you take out insurance, conceal your illness or fail to give health notification seriously, although the insurance company will not compensate you.
2. Pay attention to the length of waiting time
Health insurance products have a waiting period. Assuming that the insured suffers from the diseases stipulated in the contract during the waiting period, it is usually impossible to obtain compensation from the insurance company. At present, the waiting period of most products on the market is 90- 180 days, and the better critical illness insurance is generally 90 days, so pay more attention to the waiting period.
In short, buying health insurance can reduce the economic impact of diseases. If economic conditions permit, we should arrange a health insurance for ourselves as soon as possible.