Insurance in China is divided into commercial insurance and social insurance. Commercial insurance is divided into personal insurance and property insurance. Personal insurance includes health insurance, life insurance and accident insurance. Health insurance includes critical illness insurance, so critical illness insurance is commercial health insurance. Commercial health insurance refers to the insurance that insurance companies pay insurance money for losses caused by health reasons through sickness insurance, medical insurance, disability insurance and nursing insurance. Critical illness insurance, namely critical illness insurance, is a kind of health insurance, which refers to the commercial insurance behavior handled by insurance companies and taking specific major diseases as the insurance object, such as malignant tumor, severe acute myocardial infarction, severe stroke sequelae, etc. As the insured, and the insured suffers from the above diseases, the insurance company will pay directly.
When purchasing critical illness insurance, you should pay attention to the following points:
1. Fully understand the current health and safety situation and assess health risks.
2. Do what you can and choose the right amount of health insurance.
3. Pay attention to the practicality of health insurance and don't blindly pursue high insurance coverage. Different people and families face different risks, different financial conditions and different health insurance options.
4. Pay attention to whether the purchased health insurance conflicts with social security. Medical insurance of social security and health insurance of commercial insurance emphasize goodness to some extent, so that medical insurance of supplementary insurance and hospitalization of commercial insurance may conflict.
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