No matter what kind of insurance you buy, only the one that suits you is the best. Therefore, it is the same to insure health insurance. Only the products that suit you are the best.
The insurance of health insurance needs to be considered comprehensively according to age, physical condition, family structure and income and expenditure. According to the different functions of insurance, the following suggestions are for reference:
Critical illness insurance is the first choice.
The payment method of critical illness insurance is one-time advance payment. As long as the insured goes to the hospital to diagnose a serious illness, as long as he holds a doctor's disease diagnosis form, he can get a claim.
Claims are unlimited, whether it is for treating diseases, leaving them to family members, reading for children, or traveling, there are no restrictions, and insurance companies will not interfere.
Critical illness insurance helps the insured to solve the financial difficulties in emergencies to a great extent. When the risk comes, they will not panic because they have no money, but because insurance can keep the risk out, so that families will not worry because they can't get the money, and they will not use their savings or sell their property to reduce their quality of life because they need medical treatment.
So to sum up, the first choice of critical illness insurance is well-founded.
Medical insurance is a must.
Medical insurance can supplement the part that medical insurance can't cover, and the premium is cheap. As long as a few hundred dollars a year, you can have millions of insurance coverage. Can reimburse all kinds of expenses caused by various diseases, including but not limited to outpatient service, hospitalization, surgery, etc. With medical insurance, I only need to pay a small amount of money after reimbursement.
It is worth noting that because medical insurance cannot be reimbursed repeatedly, repeated purchases are not recommended. Only when the reimbursement amount exceeds, you can choose multiple claims. So the impact is not very big.
Tips and suggestions for purchasing health insurance
1, buy health insurance as soon as possible.
Life is impermanent, and no one knows when diseases and accidents will come, so make good protection in advance and minimize risks as much as possible.
Moreover, health insurance needs health notification and underwriting. If you get sick, the insurance company won't sell it to you. Therefore, it is early to buy health insurance.
2. Select the insured amount according to the demand and ability.
Many people buy health insurance, or the insurance coverage is too high, or they buy a bunch of repeated health insurance in a muddle. You must choose insurance according to your actual needs, and the part of health insurance is basically controlled at 5% of annual income. Don't buy blindly.
3. Pay attention to the observation period
At present, the health insurance on the market has an observation period, which is generally set to 90 days or 180 days. If the insured is in danger during the observation period, the insurance company will not settle the claim.
4. Don't hide health tips.
When buying health insurance, there are health instructions. The insurance company will ask some questions. We need to tell them the truth and never hide our medical history. Don't insist on taking insurance because you don't have the conditions to participate, which is likely to lead to refusal to pay after the accident and the premium can't be refunded.
5. You can pay less tax when you buy health insurance.
Buying health insurance can deduct a tax. China has been in 3 1 city for several years. As long as you buy health insurance, you can enjoy a tax discount with the invoice and policy certificate. You can consult your own personnel or the insurance company you bought.
6. Follow the principle of adult before child.
Medical insurance is no problem, and the premium is not expensive. Conditional family members can be equipped. However, for health insurance such as critical illness insurance, we must first buy it for adults at home, especially the pillars of the family, and then consider the children. Never think that children's health is more important, buy them first. In this case, if you are sick, the child will have no protection. This is the most terrible thing.
Quote from: network link
Satisfied, please adopt!