1. What is the function of critical illness insurance?
Critical illness insurance, in popular terms, is insurance with major diseases as the scope of protection, such as cancer, cardiovascular and cerebrovascular diseases. And add a critical illness insurance. In case the major diseases stipulated in the contract are diagnosed and the relevant compensation standards are met, the insurance company will compensate you in one lump sum.
In addition, critical illness insurance can be roughly divided into three types: consumption type, savings type and return type. Of course, senior sister gives priority to recommending everyone to take out savings-type critical illness insurance, and you can get compensation for illness or death, which is still very cost-effective.
Moreover, it is normal to buy insurance 25-28 days after the baby is born. At this time, it is the cheapest to buy critical illness insurance for children.
It takes about 1 0,000 yuan to get a critical illness insurance product with a coverage of 500,000 yuan. Not only is underwriting relatively loose, but it will be extended if there are health risks, and it is usually not so easy to refuse insurance (congenital heart disease will refuse insurance).
Another point is quite important. Everyone must make it clear that the sooner you buy critical illness insurance, the cheaper it will be. It is not good to start when you are old!
So what are the better savings-type critical illness insurance on the market? The following articles will be introduced, and interested friends can read them here:
Inventory of Top Ten Cheap and Good Critical Illness Insurance
Second, what are the pits that need attention in critical illness insurance?
1. Returned critical illness insurance
You can get money for treatment if you are diagnosed, and you can get money back if you are not sick. Are you happy after listening to it? Do you think this business will have a stable profit?
But in fact, this is extremely wrong. The return insurance is expensive and the protection is still poor. Moreover, it is 50% more expensive than the current consumer critical illness insurance that does not refund the premium, which is equivalent to replacing a consumer critical illness insurance of about 5,000 yuan with a return critical illness insurance, which can be sold to 10000 yuan.
The money that the insurance company promised to return decades later is becoming less and less valuable because of inflation.
Is 10000 yuan 30 years ago the same as 10000 yuan now? Everyone must admit that the value of money will change with time, and you can't ignore this.
2. critical illness insurance who paid many times.
At present, the critical illness insurance in the market has single payment type and multiple payment type, and the multiple payment type has two, three or even five or six critical illness insurances.
Everyone will be moved to see the critical illness insurance that can be paid for many times. Is there such an idea: "Since everyone has paid many times, who will choose a single payment or multiple payments?"
However, the senior student here still reminds everyone that it covers the critical illness insurance paid for many times, and whether the diseases are grouped is a detail that needs attention.
If the diseases are not grouped, it is definitely the best. If one serious disease is solved, other diseases can be guaranteed. Critical illness insurance belonging to the same disease, even if grouped, will only be paid once. If you suffer from the same group of serious diseases when you get sick for the second time, you can't claim compensation!
In addition, the price of multi-compensation critical illness insurance is not low, so friends can make corresponding choices according to their own budgets.
3. Don't blindly choose the budget.
Many critical illness insurances have options of whole life insurance and death insurance, but compared with regular critical illness insurance, whole life insurance is more expensive.
Of course, it is undoubtedly better to be able to guarantee life-long critical illness insurance, but if the budget is insufficient, you should choose to buy life-long and life-saving critical illness insurance. Senior sister advises you to do what you can and keep the law. This choice is also very good.
Don't burn yourself out because of an insurance, and you may not be able to pay the premium in the end. Why? Let's take a look at this article carefully prepared by senior sister. After reading it, we will know what our choice is:
Should critical illness insurance be guaranteed for a fixed period or for life? 》
Third, senior sister suggested.
Generally speaking, when choosing critical illness insurance, we must pay attention to the types and budgets of critical illness insurance. Although critical illness insurance is very good, you need to distinguish between right and wrong, so as to protect everyone's health!
Of course, there are still many excellent critical illness insurance on the market. Want to know what products are available, I suggest collecting the following articles:
"Top Ten Hot Critical Illness Insurance Inventory Worth Buying! 》
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