Because there are many professional words introduced below, you may wish to learn some basic insurance knowledge first, so that you can better understand the following contents:
"Super complete! Everything you want to know about insurance is here.
1. How to buy critical illness insurance?
Configuring an excellent critical illness insurance is actually very simple, as long as you start with the following points:
1, comprehensive protection for mild and moderate diseases.
Mild, moderate and severe diseases are the onset process of diseases from mild to severe.
If the critical illness insurance products we choose can only protect serious diseases, but not mild and moderate diseases.
Then we buy such products, which means that we can only get compensation if we are terminally ill.
If the disease is well controlled and does not develop in its early stage, then we have no chance to get compensation.
If you wait until you are terminally ill in order to get compensation, if you go to treatment at this time, there is little hope.
These two situations are obviously not what we want to see.
Therefore, when choosing critical illness insurance products, friends can choose some mild products.
2. There is extra compensation for special age.
We play different roles and assume different responsibilities at different ages, so suffering from serious illness at different ages will have different effects.
At present, many insurance companies in the market have developed critical illness insurance products that pay extra for special age. If you get more than 30% compensation in the first 15 years, or get more than 50% compensation before you are 60 years old.
It is undoubtedly very considerate for the insured to get extra compensation at a special age. When we insure the critical illness insurance, we should try our best to be close to such products.
There are many compensations for high incidence and serious illness.
Cancer and other high-incidence and serious diseases not only need to spend a lot of treatment costs, but also are prone to recurrence, metastasis or development. It would be better if the initial critical illness insurance supported multiple compensation.
At present, there are still some light and serious illness insurances in the market, which are high-risk diseases and pay multiple payments. We can see their differences. If there is not much difference in price, one insurance includes the right to pay for high-risk diseases many times, while the other insurance does not have this right, then we can decisively rule out the latter and choose the former.
After all, after suffering from a serious illness, it is difficult for us to inform the insurance company of the health situation and then start the critical illness insurance.
This is also why the senior has been emphasizing that when planning to insure critical illness insurance, we should first consider products with high incidence of critical illness insurance and excessive compensation.
Because of the limited space of the article, Senior Sister only introduced three standards. For more detailed selection strategies, please click the link below:
"Good critical illness insurance long like this! You have been cheated for so many years ... "
Let's take a look at what problems should be paid attention to when purchasing critical illness insurance.
Second, what problems should I pay attention to when purchasing critical illness insurance?
When we insure the critical illness insurance, we should not be careless about the following issues:
1, the higher the coverage, the better.
The same proportion of compensation, high insurance coverage, insurance companies pay more, so the more you buy, the more you lose.
However, we must pay attention to a critical illness insurance product. If the insurance coverage we buy is too high, the premium will definitely be more expensive!
High premium will cause great expenditure pressure, which may not be worth the loss, so it is not recommended to insure too much, but it is not recommended to buy too low insurance.
If the insurance coverage is low, even the basic protection may become a problem, and the disease risk will be more difficult to deal with, which is also not feasible.
According to the advice given by the senior sister, under normal circumstances, the insured amount is calculated according to the treatment reserve of 300,000-500,000+the income of 3-5 years under normal working conditions.
2, the protection of serious illness is not as much as possible.
According to the research of China Insurance Association and Medical Association, only 28 kinds of serious diseases are the most common.
According to relevant data, we can see that 28 kinds of serious diseases are common, accounting for 95% of claims.
The China Insurance Association informed that the critical illness insurance must include 28 common high-risk serious diseases. In other words, every critical illness insurance product on sale has the protection of these 28 kinds of high and critical diseases.
At present, some critical illness insurance products in the market are aimed at protecting a large number of diseases, and the premiums set are still very high.
At first glance, we think it can provide protection for many diseases, which is quite comprehensive, but if we look closely, we will find that there are actually many rare diseases.
This kind of critical illness insurance product is really lame. Everyone must be careful when buying, or be careful not to fall into the trap of the merchant.
The length of this article is limited. For the answers to the problems of critical illness insurance, please refer to the following:
Is the number of minor illnesses in critical illness insurance as large as possible? 》
Summary: the standard of an excellent critical illness insurance is comprehensive protection, and it is best to have extra compensation for special age groups and multiple compensation for high-risk diseases;
When we insure critical illness insurance, we must not allocate too much coverage to prevent excessive economic pressure.
Write it at the end
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