1) Pay attention to the observation period of health insurance. Observation period means that in medical insurance and critical illness insurance, when the insured applies for insurance for the first time, the insurance company will not pay for the disease or accident agreed in the contract within a certain period from the effective date of the contract. Judging from the duration of the observation period, it is generally 60 days or 90 days in general hospitalization medical insurance; In critical illness insurance, the observation period is generally 90 days, 180 days or one year.
2) When the critical illness insurance is out of danger, the insurance company will generally observe for a period of time to determine the true state of the insured, and then pay compensation. The contract shall prevail.
3) Deductible clause. In health insurance contracts, medical expenses generally adopt a certain deductible, that is, the expenses below a certain amount shall be borne by the insured.
4) Because health insurance is risky, difficult to control and unpredictable, in health insurance, the insurer often has many restrictions or restrictive clauses on the payment of medical insurance benefits for diseases. These restrictive clauses must be made clear.
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.