(1) critical illness insurance
The nature of critical illness insurance is used to treat major diseases. Children, teenagers and middle-aged and elderly people are all suitable for purchase. Friends who need critical illness insurance should take out insurance as soon as possible.
Pay attention to the following points when choosing critical illness insurance:
1, light, moderate and severe illness protection should be complete.
An excellent serious illness insurance should not only cover serious illness, but also protect mild and moderate illness. The more types of high-risk diseases covered by mild and moderate diseases, the better, the wider the coverage, and the higher the probability of claims. However, it is not better to ensure the number of serious diseases. The newly implemented new regulations on critical illness insurance point out that all critical illness insurance must have 28 high-critical diseases, which means that most of the high-critical 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.
At present, it generally costs about 300,000 yuan 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, before buying critical illness insurance, it is recommended to buy a minimum of 300,000, so as to reach the basic line of treatment. Assuming that the budget is sufficient, the insured amount can be increased. How much protection do you choose to buy critical illness insurance? You can refer to the following article: "What is the best amount of insurance to buy? In fact, it is based on ... "
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 have the advantage of multiple compensation for cancer, which is more excellent and comprehensive. Detailed suggestions on critical illness insurance are summarized for everyone. To have dry goods, it is worth having: "Ten New Definitions of the Most Worth Buying Critical Illness Insurance"
(2) Medical insurance
Medical insurance is mainly a supplement to medical insurance and can also be reimbursed.
Pay attention to the following points when buying:
1, pay attention to the safety content.
Common medical behaviors such as special outpatient service, outpatient operation, general hospitalization and serious illness hospitalization, and emergency before and after hospitalization are all included in the basic medical insurance responsibility. For example, for an excellent medical insurance with a million yuan, the coverage of the policy should be as comprehensive as possible, because it is beneficial to consumers, which means that our reimbursement scope is wider and more medical expenses can be reimbursed.
2. See renewal conditions.
When people buy medical insurance, products with relaxed or guaranteed renewal conditions are better choices. In other words, an excellent medical insurance product will not refuse the insured's renewal application or raise the premium because of the insured's poor health or claims.
3. Pay attention to value-added services
Including special value-added services, generally covering hospitalization expenses first, green links for medical treatment, proton heavy ion reimbursement, etc. If you want to know more about the value-added services of medical insurance, the next article has what you want: "Do you have any misunderstanding about the value-added services in medical insurance?"
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