Health insurance is mainly divided into critical illness insurance, medical insurance, income protection insurance and nursing insurance.
1, critical illness insurance
The so-called critical illness insurance covers major diseases, such as malignant tumor, cerebral hemorrhage and myocardial infarction.
Because of the long treatment time and serious illness, critical illness insurance is also called "income loss insurance". Once you reach the claim standard of a certain disease, the insurance company will compensate you directly.
This money can be used freely, which can be used to treat diseases and restore health, and can also be used to pay tuition fees, mortgage payments and car loans for children.
2. Medical insurance
Medical insurance generally refers to basic medical insurance, which is a kind of social insurance.
In addition, it also includes commercial medical insurance, which is what we often call millions of medical insurance and cancer insurance.
Medical insurance products are highly leveraged, and only need to spend a few hundred dollars a year to incite millions of insurance coverage. If an accident or serious illness occurs and a large amount of medical expenses occur, it can be reimbursed through medical treatment.
3. Income protection insurance
Just like the literal meaning, income security mainly means that if the insured is disabled due to illness or accident and cannot work, the insurance company will pay an insurance premium within a certain period of time.
Its main function is to make up for economic losses.
4. Nursing insurance
This kind of insurance is easy to understand, that is, because of the inconvenience of life, others need to take care of it as a compensation condition to pay the nursing expenses needed during the nursing period, and the main protection object is the elderly or the disabled.
Second, what kind of health insurance is the best? How to choose a more cost-effective one?
Although there are many types of health insurance, it is critical illness insurance and million medical insurance that prevent the risk of serious illness in daily life, so senior sister will recommend several critical illness insurance and million medical insurance to everyone.
1. critical illness insurance health insurance recommendation
Draw a direct conclusion:
1, friends who pursue high insurance, suggest choosing Super Mary 3 max.
Super Mary 3 max, who is also a Xintai insurance company, looks like Darwin 3. Super Mary 3 max focuses on the down payment of illness.
Super Mary 3max was diagnosed with serious illness for the first time before she was 60 years old, and the maximum amount of basic insurance can be paid 180%; For the first mild or moderate illness before the age of 60, 55% and 75% of the basic guarantee amount can be paid; The proportion of cancer secondary compensation and cardiovascular and cerebrovascular compensation with optional liability has also reached an amazing basic guarantee 150%!
Super Mary 3 max's compensation ratio is the top in the market at present, and the premium is cheaper than Darwin 3 and Conway 2.0.