(1) critical illness insurance
Critical illness insurance is a kind of insurance for treating major diseases, which is suitable for children, young people and middle-aged people, and the earlier you buy the premium, the cheaper it is.
Pay attention to when choosing critical illness insurance:
1, light, moderate and severe illness protection should be complete.
It is not enough to protect the seriously ill. An excellent product also needs to protect 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 can get claims more easily. The number of serious diseases cannot be used as one of the main criteria. Now the newly defined critical illness insurance stipulates that there must be 28 high-risk diseases in the critical illness insurance protection, and it is understandable that all the common serious diseases of adults are covered. Therefore, 100 or 1 10 diseases have little significance for the protection of critical illness.
2. Choose adequate insurance coverage.
At present, the average cost of curing major diseases is about 300,000 yuan. If the treatment effect is better, the medical expenses may be 500,000 or more. Therefore, when purchasing critical illness insurance, it is best to take 300,000 yuan as the minimum requirement and at least meet the basic medical standards. If the economic conditions are good, the insured amount can be superimposed upwards. How much protection do you choose to buy critical illness insurance? You can poke this article to find out: "What is the best amount of insurance to buy? The doorways are all here. "
3. It is best to have extra points such as multiple compensation for cancer
In addition to the common protection of the insured's death and exemption, the critical illness insurance has additional points such as multiple compensation for cancer, which is more comprehensive. More detailed suggestions on critical illness insurance have been summarized for everyone. When the dry goods are full, get quickly: "What is the strongest new definition of critical illness insurance? Tell you in one article! 》
(2) Medical insurance
Medical insurance is mainly a supplement to medical insurance and has the function of reimbursement.
Pay attention when buying:
1, pay attention to the safety content.
The basic coverage of medical insurance includes general hospitalization and serious illness hospitalization, special outpatient service, outpatient operation and emergency treatment before and after hospitalization. For example, for the million medical insurance with superior terms, the coverage of the terms must be as comprehensive as possible, because the increase of the guarantee responsibility means that we can enjoy more reimbursement items and reimburse more medical expenses.
2. See renewal conditions.
When buying medical insurance, the renewal conditions are relaxed or the products that guarantee renewal are more cost-effective In other words, an excellent medical insurance product will not refuse insurance or increase the premium because of the insured's poor health or claims.
3. Pay attention to value-added services
Including cost-effective value-added services, such as advance payment of hospitalization expenses, green pass for medical treatment, proton heavy ion reimbursement and so on. If you want to know more about medical insurance value-added services, the following article has what you want to know: "Overfull! Knowledge list of "value-added services" in medical insurance.
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