It seems that there are still quite a lot of whites. Senior sisters must make it clear to them today that there is a difference between health insurance and critical illness insurance!
Because there are many insurance words in this article, friends can learn the basic knowledge of insurance so as to better understand the following contents:
Before buying insurance, you must first understand these key knowledge points! 》
1. What is health insurance? What does it have to do with critical illness insurance?
In fact, health insurance is a kind of life insurance that takes the insurer's health as the standard and compensates the insured for his economic losses when the insured causes harm to himself due to illness or accident.
The main contents of health insurance include medical insurance, sickness insurance, income insurance and nursing insurance. Among them, medical insurance and sickness insurance are the most important.
Medical insurance: it is an insurance that provides medical expenses protection and can be used to reimburse various expenses incurred in treating diseases.
Sickness insurance: In fact, it refers to the insurance that provides protection for the insured when the disease stipulated in the insurance contract occurs. Critical illness insurance is the most important part of sickness insurance, mainly to protect income loss during convalescence.
Critical illness insurance and medical insurance, one is reimbursement of treatment costs, the other is the cost of rehabilitation and the income lost due to serious illness.
For critical illness insurance and medical insurance, it is of great help and needs more, while the demand for income protection insurance and nursing insurance is less, so most of the health insurance products provided by many insurance companies belong to critical illness insurance and medical insurance.
In fact, there is a concept about health insurance as a whole, which is directly analyzed by senior sister here. If friends want to know more, you can see what the following experts say:
Is it necessary to buy health insurance? These routines must be paid attention to! 》
So far, my friends believe that you are also aware that health insurance and critical illness insurance are actually guaranteed, and health insurance actually includes critical illness insurance.
So, what's the difference between critical illness insurance and medical insurance in health insurance? Next, let's continue to analyze.
2. What is the difference between critical illness insurance and medical insurance in health insurance?
There are two main differences between critical illness insurance and medical insurance: insurance function and guarantee period.
1. Insurance function
In fact, millions of medical insurance refers to reimbursement insurance, and you need to take documents to the insurance company for reimbursement.
This is equivalent to the insurance company's reimbursement, which is based on the insurer's expenses, consumption and reimbursement. The insured can only reimburse all these extra benefits.
Then after all the medical expenses are reimbursed, there is no way to go out to work during the treatment and recuperation period, and there is no income during the period. What about the loss of income? How should the cost of purchasing nutritional products during convalescence come from? How can families maintain a normal life?
At this time, critical illness insurance will come in handy.
Critical illness insurance is income loss insurance and payment insurance. When the disease is contracted, the insured can get a large sum of compensation at one time.
This money can be used at will, just like repaying loans, raising children, as living expenses, and even traveling after illness to ensure the normal operation of life during illness.
2. Warranty period
Critical illness insurance is a long-term insurance. Regular critical illness insurance can generally cover 20 or 30 years, and can also cover 70 or 80 years old. Life-long critical illness insurance can protect the insured for life.
The guarantee period of critical illness insurance has been fixed on the day of signing the contract, which means that the insured is in poor health and the guarantee will not be lost. During the protection period of this critical illness insurance, as long as the insured is sick, the claims must be paid in place.
If the insurance purchased is a single payment for critical illness insurance, the insured has received the claim and the insurance contract has been terminated. However, the purchased critical illness insurance is paid for many times, and the claim payment contract is still valid, which truly guarantees the life-long critical illness insurance.
Contrary to critical illness insurance, medical insurance is a short-term insurance.
There are many millions of medical insurance in the market, all of which are short-term insurance for one year. In other words, buy for one year and guarantee for one year. Therefore, the most important issue for us to purchase medical insurance is renewal.
What should I do if I buy this year and stop selling next year?
If we are healthy, we can still continue to insure. However, if we have made claims before, or our health status has changed, we may not be able to tell you through medical insurance, which is equivalent to our lack of protection for the rest of our lives.
Who doesn't want to spend their old age? Medical insurance obviously can't give us long-term protection.
Critical illness insurance and medical insurance can make up for each other, so that we can better resist risks for us.
If you don't understand the difference between critical illness insurance and medical insurance, you might as well see what the experts say:
What's the difference between critical illness insurance, medical insurance, accident insurance and life insurance? Will there be conflicts when making claims? 》
Write it at the end
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