1. Get insurance early. According to the latest data, the number of breast cancer patients in China is increasing in recent years. In addition, female cancers such as cervical cancer are gradually becoming younger. So be sure to take out insurance as soon as possible and plan ahead.
2. Women's insurance is preferred. Before buying insurance, women need to be clear, that is, don't forget to look at targeted insurance, such as women's insurance designed for women, such as women's cancer insurance.
3. Ordinary critical illness insurance with special cancer insurance Although there are many insurance products on the market, the existence of any insurance product has its specific value, such as women's cancer insurance and ordinary critical illness insurance. Just because women's insurance involves women, the value of ordinary critical illness insurance cannot be denied. Under the same premium budget, women can reasonably purchase women's critical illness insurance and ordinary critical illness insurance, which is not only economical, but also more comprehensive and targeted.
4. Take care of the disease first, and then prevent cancer. If you want to configure health insurance, the correct insurance order is very important. Under normal circumstances, first do a good job of serious illness protection, and then consider cancer prevention protection. In other words, we can consider adding some cancer insurance protection after taking out the critical illness insurance. Anti-cancer insurance in the market can be purchased separately as the main insurance or in the form of additional insurance. The guarantee period can be divided into 1 year, 20 years and lifelong cancer insurance. From the perspective of long-term protection, the total premium of products with return function is actually more cost-effective than consumer products. According to your own economic situation, you can match the purchase consumption type and the return type.
5, savings, consumption suitability insurance, in fact, due to the particularity of physical function, women are prone to various cancers. Then it is necessary to configure women's cancer insurance. Cancer insurance can generally be divided into two types: consumer insurance and savings insurance. Savings-type cancer insurance has a return function and can generally be sold as the main insurance.
6. Supplementary protection of additional risks There are many types of cancer insurance on the market. Generally, we have term insurance and return insurance, including life insurance and consumer insurance. If you feel that your cancer protection is insufficient after purchasing critical illness insurance, you can consider choosing consumer cancer insurance for women. Compared with the refundable type, the consumer-type female cancer insurance has a lower premium of several hundred yuan a year, but the amount of protection is not much different from the refundable type.
To sum up, when women over 40 years old apply for critical illness insurance, they must scientifically plan insurance according to their own needs and basic insurance principles to give themselves perfect protection. Women should learn to take care of themselves before they can take care of their families better.
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.