1, critical illness insurance
Critical illness insurance, also known as critical illness insurance, is mainly used to protect the insured's disease treatment, income loss compensation, family expenses and other major diseases.
When insuring critical illness insurance products, we should pay attention to the protection content and compensation ratio of the products, give priority to life insurance during the protection period, with a coverage of 300 thousand, and try to choose long-term payment such as 20 years and 30 years.
I have summarized hundreds of popular critical illness insurance before. Click the link to get the comparison table for free:
136 domestic popular critical illness insurance comparison table
For example, the coverage, such as basic coverage for serious illness, basic coverage for moderate illness, and basic coverage for mild illness, must be available for a qualified critical illness insurance, so as to provide the insured with more comprehensive coverage. The proportion of compensation should not be too low, and it is better to have extra compensation, such as 80% of the basic coverage for serious illness, to ensure that the insured has enough funds for treatment.
2. Medical insurance
Under normal circumstances, medical insurance can be reimbursed as long as it is the medical expenses incurred by hospitalization, which is suitable for all ages.
I have summarized the popular million-dollar medical insurance in China before, and you can make a reference:
Super full! China Volkswagen Million Medical Insurance Comparison Table
When purchasing medical insurance, we should pay attention to hospitalization security, outpatient and emergency services, value-added services, drug purchase reimbursement, renewal conditions and so on.
For example, reimbursement for purchasing drugs, many specific drugs for malignant tumors are not covered by medical insurance, and the use of such drugs requires us to pay for it ourselves. Hundreds of thousands of drugs are still very stressful for ordinary families.
If the product provides the guarantee of reimbursement of purchased drugs, the economic pressure in this area will be much reduced.
Finally, people of different ages apply different insurance, and blind purchase may waste money. See here for the specific insurance scheme:
How to buy insurance at different ages? Everyone should have his own plan.
That's all the answers. Please accept them.
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