I bought good medical insurance and long-term medical insurance on Alipay insurance. Do I still need to buy health insurance and critical illness insurance?

Good medical insurance, long-term medical care and critical illness insurance are two different types of insurance, which provide different insurance responsibilities and do not conflict. For consumers with economic conditions, they can buy together.

Under the new regulations, we evaluated more than a thousand critical illness insurance products, and screened out the ten best critical illness insurance products on the market. The new definition of serious illness ranking is announced! The first place is it!

Good medical insurance Long-term medical insurance covers general diseases and accidental medical care, 100 kinds of serious illness medical care and 100 kinds of serious illness allowance, with a waiting period of 30 days, which belongs to the expense reimbursement type; Critical illness insurance is a one-time payment, and the waiting period will be longer than medical insurance. At the same time, purchase can make up for each other's shortcomings and let the insured enjoy more comprehensive protection.

Matters needing attention in purchasing insurance

1. Buy from the bottom to the top of the insurance. The first layer of health insurance, including critical illness insurance; The second layer of accident insurance includes accident injury insurance and accident medical insurance; The third layer of medical insurance, including hospitalization insurance; The fourth layer of savings insurance includes children's education insurance. Endowment insurance; The fifth layer of investment insurance.

2. Read the terms of the contract clearly. Insurance contract is the only reference document when we settle claims, and it is also the only certificate to safeguard our legitimate rights and interests. Therefore, it is very necessary to read the terms of the insurance contract clearly.

3. Tell the truth. At all times, people should be honest and trustworthy, and so should buying insurance. And if we don't tell the insurer the actual situation of the insured when buying insurance, the insurance company can refuse to pay compensation.

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