Critical illness insurance and medical insurance can be used as insurance for novices.
(1) critical illness insurance
Critical illness insurance mainly treats people with diseases and is more suitable for children, young people and middle-aged people. It's cost-effective to catch up early than late.
When choosing a product, you should pay attention to the following points:
1, light, moderate and severe illness protection should be complete.
It is not enough to take care of your illness. A good product also needs to be protected against both mild and moderate diseases. At the same time, we must also pay attention to whether we can cover as many high-risk mild and moderate diseases as possible, so that the probability of the insured being paid will increase. However, the more kinds of serious diseases, the better. The new regulations on serious diseases promulgated by the state stipulate that any serious illness insurance must cover 28 kinds of high-incidence serious diseases, which means that most of the high-incidence serious diseases in Jedi are covered. For this reason, whether the number of diseases covered by critical illness insurance is 100 or 80, it is almost the same.
2. Choose adequate insurance coverage.
Judging from the current economic situation, it takes about 300 thousand to treat serious diseases. To have a more effective treatment plan, the treatment cost should reach at least 500 thousand yuan and above. Therefore, when consumers buy critical illness insurance, it is recommended that the insurance coverage be at least 300,000, so as to reach the basic line of treatment. Assuming that the budget is sufficient, the insured amount can be superimposed upwards. Buying insurance means buying insurance coverage, so how much coverage should I buy for critical illness insurance? If you want to know more, you can read this article: "What is the best insurance coverage to buy? Learning is all here. "
3. It is best to have extra points such as multiple compensation for cancer
In addition to the basic protection of the insured's death liability and exemption, critical illness insurance also has the advantage of multiple compensation for cancer, and the protection will be more comprehensive. Detailed suggestions on critical illness insurance are summarized for everyone. Quickly collect this full dry goods: "Super Amway! You deserve these ten new definitions of critical illness insurance! 》
(2) Medical insurance
As a supplement to medical insurance, medical insurance has the nature of reimbursement.
Pay attention to the following points when buying:
1, pay attention to the safety content.
Medical insurance can guarantee hospitalization, special outpatient service, outpatient operation, emergency before and after hospitalization and so on. For a million-dollar medical insurance with superior terms, the coverage of the policy should be as comprehensive as possible, so it also means that we can enjoy more reimbursement scope and reimburse more medical expenses.
2. See renewal conditions.
When purchasing medical insurance, products with relaxed renewal conditions or guaranteed renewal are more worth having. 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
Including special value-added services, generally there will be advances for hospitalization expenses, medical services, proton heavy ion reimbursement and so on. If you want to know more about the value-added services of medical insurance, please click below to get more information: "Do you have any misunderstanding about the value-added services in medical insurance?"
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