We need to pay attention to when buying critical illness insurance:
Guarantee period: buy for adults, of course, the longer the guarantee period, the better, and try to protect your life; Buy it for your child, and then buy your own life-long critical illness insurance when your child is financially independent.
Coverage: at least 300,000. It is suggested to increase the security according to the actual situation of the family and the economic contribution of the insured in the family. With the improvement of economic ability, you can increase the insurance coverage, that is, buy another critical illness insurance.
Coverage: Of course, the more kinds of serious diseases, the better the coverage, but the more kinds of serious diseases, the higher the premium! It is necessary to choose between insurance coverage and disease range, and give priority to ensuring adequate insurance coverage.
Number of claims: On the surface, the more claims, the better. However, the probability of a person recovering from a serious illness in his life is low, and the probability of suffering from other serious diseases is even lower. Therefore, it depends on the conditions and responsibilities of the second serious illness claim.
Mild illness protection: under normal circumstances, it is recommended to choose mild illness protection. People get sick from health to sub-health, to mild illness, and then to serious illness.
Pay after diagnosis: you don't have to pay after diagnosis. Even if it is clearly written in the propaganda copy, in fact, most diseases have to meet the corresponding conditions and conditions. The real value of critical illness insurance lies not in the form of reimbursement, but in the fixed payment.
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