(1) critical illness insurance
The cost of treating major diseases can generally be solved through critical illness insurance, which is more cost-effective for people of all ages in Xian Yi, and if you buy critical illness insurance in advance.
In the process of choosing critical illness insurance, you need to pay attention to:
1, light, moderate and severe illness protection should be complete.
An excellent critical illness insurance product will include the protection of mild and moderate diseases and the high incidence of mild and moderate diseases. At the same time, we should also pay attention to whether we can protect as many mild and moderate diseases as possible, so that the probability of the insured getting compensation will increase. However, the number of serious diseases cannot be an important criterion to judge whether a product is good or not. According to the new regulations of critical illness insurance formulated by the state, critical illness insurance must have 28 kinds of serious diseases with extremely high incidence, which have covered most common high-incidence diseases. Whether the critical illness insurance is 100 or 80, the difference will not be great.
2. Choose adequate insurance coverage.
At present, the cost of treating serious diseases mostly fluctuates around 300,000. If you want to have a better treatment effect, the cost should reach at least 500 thousand yuan. Therefore, when consumers buy critical illness insurance, it is best to take 300,000 as the minimum requirement and at least reach the lower limit of the treatment standard. If the budget is sufficient, you can continue to increase the insured amount. How much coverage should we choose for critical illness insurance is practical for us? If you want to know more, you can read this article: "What is the best insurance coverage to buy? In fact, it is based on ... "
3. It is best to have extra points such as multiple compensation for cancer
Critical illness insurance not only has the basic protection of the insured's death and exemption, but also has the advantage of multiple compensation for cancer, which will be better and more comprehensive. More detailed suggestions on critical illness insurance have been summarized, all of which are dry goods. Don't miss it: "The new definition of critical illness insurance is actually these ten models! 》
(2) Medical insurance
Medical insurance is mainly a supplement to medical insurance, and it is a kind of reimbursement insurance.
When purchasing products, you need to pay attention to:
1, pay attention to the safety content.
Medical insurance basically covers a wide range, including general hospitalization and serious illness hospitalization, special outpatient service, outpatient surgery and emergency treatment before and after hospitalization. Good million medical insurance, of course, the more comprehensive the protection responsibility, the better, so it also means that when we are out of danger, we can enjoy more reimbursement items and more medical expenses can be reimbursed.
2. See renewal conditions.
If you want to buy medical insurance, I suggest you choose products with friendly renewal conditions or guaranteed renewal. An excellent medical insurance product will not refuse insurance or increase the premium because the insured is in poor health or has settled claims.
3. Pay attention to value-added services
Some value-added services are still very practical. Generally, there will be advances for hospitalization expenses, medical services, proton heavy ion reimbursement and so on. If you want to know more about the value-added services of medical insurance, please poke the following: "Do you have any misunderstanding about the value-added services in medical insurance?"
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