Before purchasing health insurance, the health status of the insured should be truthfully informed to the insurance company to avoid the settlement of disputes in the later period. The terms of the purchase order suggest that adults be insured first, and then children be insured. Buy those who earn more, and buy those who earn less. It is recommended to purchase accident and hospitalization insurance first, and then purchase critical illness insurance and long-term life insurance after completing these basic insurances.
Health insurance, take China Merchants Cigna Life Insurance Co., Ltd. as an example, which is a Sino-US joint venture specializing in health insurance business. The shareholders of China and the United States are China Merchants Bank and Cigna Group, the world's top 500 enterprises. Medical insurance, dental insurance, behavioral health insurance, medical insurance, vision insurance, life insurance, accident and disability insurance products and services are the reasons why you buy health insurance. Health insurance is neither bad nor bad. For the insured, only the right one is the best. It is suggested that people choose health insurance according to their own health insurance needs. Insurance experts believe that, generally speaking, as long as you pay attention to several links in the purchase process, there should be no big gap.
Health insurance is divided into medical insurance, critical illness insurance, nursing insurance and income loss insurance. Different insurances have different insurance fees. There is no specific limit to the amount of general medical insurance premium rate, which is related to the insured's age, health status, gender, occupation and other factors, and the specific situation also depends on the insured's own situation. Before purchasing, it is best to ask the insurance company according to the actual situation of the insured to avoid unnecessary troubles and purchase mistakes. It is suggested to improve the most basic social security and medical insurance first. The products of any insurance company are not good or bad, and the products of each insurance company are no different. There are three choices to buy insurance: choose the company, choose the agent, and finally choose the product. Such as serious illness, accidental injury, accidental medical treatment, hospitalization, old-age insurance, etc. We should plan as early as possible to be younger and healthier.