Hello! What problems should I pay attention to when buying health insurance for myself? It should be noted that the underwriting requirements of health insurance are generally stricter than life insurance. Because disease is the main risk of health insurance, the factors that cause disease need to be strictly examined. Generally, it is judged according to the medical records of the insured, so as to know the past and present medical history of the insured, and sometimes it is necessary to know the family medical history of the insured.
What problems should I pay attention to when buying health insurance for myself?
1, first of all, the amount of insurance: the amount of insurance is the most critical when buying insurance.
2. Then there is the guarantee content: what to protect and what not to protect. The wider the coverage, the better for customers. Also, when will it take effect, that is, the waiting period of insurance. The shorter the waiting period, the better for customers.
3. Can today's guarantee have the same purchasing power in the future? The core function of insurance products is accident protection. A serious illness leads to a healthy life, and a high degree of disability leads to high compensation. It is a real protective product.
Don't worry about buying insurance: a seemingly simple insurance policy actually contains a lot of knowledge. When buying health insurance, we need to pay attention to a "observation period/waiting period" limit.
In addition, the occupation, geographical location and lifestyle of the insured should also be evaluated. Choosing to buy a health insurance can often make people who were originally desperate see the dawn of hope again. But not everyone can buy health insurance, so when buying health insurance, you should pay attention to choosing a suitable insurance professional to plan for you. He will be your best partner.