(1) critical illness insurance
Buying critical illness insurance can prevent serious illness and there is no money for treatment. Suitable for children, adults and some middle-aged and elderly people. Friends who need critical illness insurance should take out insurance as soon as possible.
In the process of choosing critical illness insurance, you need to pay attention to:
1, light, moderate and severe illness protection should be complete.
An excellent critical illness insurance product will include the protection of mild and moderate diseases and the high incidence of mild and moderate diseases. The more diseases with high incidence, mild illness and moderate illness, the better, so that the probability of the insured getting claims will increase. The number of serious diseases cannot be used as one of the main criteria. The newly implemented new regulations on critical illness insurance show that all critical illness insurance must have 28 kinds of high-risk critical illness, in other words, the critical illness protection has been better improved, so whether it is 100 or 80 kinds of critical illness, there is actually little difference.
2. Choose adequate insurance coverage.
As far as the current economic situation is concerned, it takes about 300 thousand to treat a serious illness. If you want to get a better treatment effect, the treatment cost of more than 500 thousand yuan can be guaranteed. Therefore, when consumers buy critical illness insurance, it is recommended that the insured amount be at least 300,000 yuan, so as to play a basic role in treatment guarantee. If the economic situation permits, the insured amount can be increased in the future. How much protection do you choose to buy critical illness insurance? Let's take a look at 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
Critical illness insurance can not only provide basic protection such as death and exemption of the insured, but also add bonus items such as multiple compensation for cancer, which will make the protection more comprehensive. More detailed suggestions on critical illness insurance will be summarized for you. Dry goods are full and quick: "The new definition of critical illness insurance pk, the most worth buying is actually these ten models! 》
(2) Medical insurance
Medical insurance and medical insurance are complementary and both have the function of reimbursement.
When choosing a product, there are several things to pay attention to:
1, pay attention to the safety content.
Medical insurance basically covers a wide range, including general hospitalization and serious illness hospitalization, special outpatient service, outpatient surgery and emergency treatment before and after hospitalization. Of course, the coverage of a million-dollar medical insurance with excellent terms is as comprehensive as possible. Why? Because it also means that we can enjoy a wider range of reimbursement, and we can reimburse more expenses during the treatment.
2. See renewal conditions.
When you choose medical insurance, it is a better choice to choose products with relaxed renewal conditions or products that guarantee renewal. Generally speaking, excellent medical insurance products will not refuse to renew insurance or raise premiums because the insured is in poor health or has already settled claims.
3. Pay attention to value-added services
Including practical value-added services, such as advance payment of hospitalization medical expenses, medical green link, proton heavy ion reimbursement, etc. The more, the better. If you want to know more about medical insurance value-added services, here is what you want to know. Go in and have a look: "Super full! Knowledge list of "value-added services" in medical insurance.
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