Health insurance can be divided into medical insurance, sickness insurance, disability income loss insurance and nursing insurance. Among them, the most common critical illness insurance and medical insurance are strongly recommended.
(1) critical illness insurance
Critical illness insurance is an insurance for the treatment of major diseases. In Xian Yi, it is more cost-effective for people of all ages to get up early than to get up late.
Attention should be paid to when choosing critical illness insurance:
1, light, moderate and severe illness protection should be complete.
As an excellent critical illness insurance product, we should protect mild and moderate diseases in addition to critical illness. In addition, the protection of mild and moderate diseases should cover as many high-risk diseases as possible, so that the protection of the insured will be more adequate. However, the more kinds of serious diseases, the better. According to the national regulations, every insurance company's critical illness insurance product must contain 28 kinds of high-risk critical illness. Understandably, all the common serious diseases of adults are covered in it, so whether it is 100 or 80 serious diseases, there is actually little difference.
2. Choose adequate insurance coverage.
At present, the treatment of serious diseases generally needs about 300 thousand. If you want to get better treatment effect, the treatment cost should reach at least 500 thousand and above. Therefore, when consumers buy critical illness insurance, it is suggested that the lower limit of insurance coverage should be set at 300,000 yuan to reach the basic line of treatment. If the budget is sufficient, the guarantee amount can be expanded. How much coverage should I choose to buy critical illness insurance? Let's take a look at this article: "What is the best insurance coverage to buy? The doorways are all here. "
3. It is best to have extra points such as multiple compensation for cancer
In addition to the basic protection such as death liability and exemption of the insured, the critical illness insurance will be more excellent, making the protection comprehensive. Specific suggestions related to critical illness insurance are all in this summary, all of which are treasures. Hurry to collect: Inventory of Ten Most Worthy of New Definition of Critical Illness Insurance
(2) Medical insurance
Medical insurance and medical insurance are complementary and have the function of reimbursement.
When choosing a product, there are several things to pay attention to:
1, pay attention to the safety content.
Common medical behaviors such as special outpatient service, outpatient operation, general hospitalization and serious illness hospitalization, and emergency before and after hospitalization are all included in the basic medical insurance responsibility. For example, the coverage of the million-dollar medical insurance with superior terms must be as comprehensive as possible, because it is beneficial to consumers, which means that our reimbursement scope is wider and we can reimburse more treatment expenses.
2. See renewal conditions.
When purchasing medical insurance, it is recommended to choose products with relaxed renewal conditions or guaranteed renewal. An excellent medical insurance product will not be affected by the insured's poor health or claims, and then either refuse insurance or increase the premium.
3. Pay attention to value-added services
There are many practical value-added services, which usually include advance payment of hospitalization expenses, green link for medical treatment, proton heavy ion reimbursement and so on. If you don't know enough about value-added services, the next article has what you want: everything you want to know about "value-added services" of medical insurance.
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