(1) critical illness insurance
The nature of critical illness insurance is used to treat major diseases, and the applicable population is men, women and children. The sooner you insure, the more cost-effective.
Attention should be paid to when choosing critical illness insurance:
1, light, moderate and severe illness protection should be complete.
An excellent critical illness insurance should cover mild and moderate diseases and ensure 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 insured will be more fully protected. However, whether the product is good or not can't just focus on the number of diseases. The state stipulates that every insurance company's critical illness insurance product must contain 28 kinds of high-risk critical illness, so it can be said that the insured's critical illness insurance protection is sufficient, so there is not much difference between 100 insurance and 80 insurance.
2. Choose adequate insurance coverage.
At present, the treatment of serious diseases generally needs about 300 thousand. In order to have a more effective treatment plan, the treatment cost should reach at least 500 thousand and above. Therefore, when choosing critical illness insurance, it is recommended to cover at least 300 thousand, so as to reach the basic line of treatment. If economic conditions permit, the insured amount can be increased in the future. How much coverage should I choose to buy critical illness insurance? Please refer to this article: "People who know insurance buy insurance in this way."
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, exemption, etc., but also has bonus items such as multiple compensation for cancer, which will be more excellent and comprehensive. More detailed suggestions on critical illness insurance have been summarized, all of which are dry goods. Don't miss: "Super Amway! You deserve these ten new definitions of critical illness insurance! 》
(2) Medical insurance
Medical insurance is mainly used as a supplement to medical insurance and can reimburse expenses.
Pay attention to the following questions when purchasing:
1, pay attention to the safety content.
General hospitalization, serious illness hospitalization, special outpatient service, outpatient surgery, and emergency treatment before and after hospitalization are all included in the basic scope of medical insurance. Good million medical insurance, the more comprehensive the protection, the better, because it is beneficial to consumers, which means that our reimbursement scope is wider and we can reimburse more treatment expenses.
2. See renewal conditions.
If you want to buy medical insurance, it is better to choose products with relaxed or guaranteed renewal conditions. In other words, a good medical insurance product will not refuse to renew the insurance or raise the premium because the insured is in poor health or claims.
3. Pay attention to value-added services
Including cost-effective value-added services, generally covering hospitalization expenses advance, medical green link, proton heavy ion reimbursement and so on. If you don't know enough about medical insurance value-added services, the next one has what you want: "Overfilled! Knowledge list of "value-added services" in medical insurance.
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